{"filings":[{"id":1687676,"accession_number":"0000927089-26-000124","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-07-16T18:28:11+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.04 quarterly dividend payable Aug 10, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.04 per share declared on July 15, 2026.","Payable on August 10, 2026 to shareholders of record as of July 27, 2026.","Company trades on OTCQB under symbol QNTO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":494916,"accession_number":"0000927089-26-000097","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-05-18T18:23:26+00:00","items":["5.07","9.01"],"status":"ready","headline":"Quaint Oak Bancorp shareholders elect three directors, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["James J. Clarke, William R. Gonzalez, and Susan M. Vettori elected as directors for three-year terms ending 2029.","Director votes: Clarke 1,089,319 for/60,200 withheld; Gonzalez 1,085,876 for/63,943 withheld; Vettori 1,045,739 for/104,080 withheld.","Ratification of S.R. Snodgrass, P.C. as independent auditor for FY 2026 passed with 1,593,196 for, 9,039 against, 1,612 abstain.","Meeting held May 13, 2026; 1,603,847 shares represented (60.7% of 2,640,997 eligible shares) constituting a quorum."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92578,"accession_number":"0000927089-26-000082","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q1 net income $166K vs $83K loss YoY; NPLs rise to $9.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $166K ($0.06 per share) vs net loss $83K ($0.03 per share) in Q1 2025.","Net interest margin improved to 2.90% from 2.63% YoY; interest expense decreased $580K (10.0%).","Non-interest expense increased $580K (10.5%) driven by salaries, professional fees, and SaaS costs.","Non-performing loans increased to $9.9M (1.87% of loans) from $7.3M (1.36%) at December 2025.","Regulatory consent order fully lifted during the quarter after completion of corrective actions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92577,"accession_number":"0000927089-26-000062","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-04-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.04 quarterly cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.04 per share quarterly dividend on April 15, 2026.","Dividend payable on May 11, 2026 to shareholders of record as of April 27, 2026.","OTCQB-listed (QNTO) holding company for Quaint Oak Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92576,"accession_number":"0000927089-26-000047","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-04-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Quaint Oak Bank's BSA consent orders terminated by FDIC and PA regulator","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["FDIC and Pennsylvania Bureau of Bank Supervision terminated May 15, 2025 consent orders on March 30, 2026.","Consent orders related to Bank Secrecy Act compliance; bank resolved within ~10 months.","Bank implemented enhancements to compliance, financial crime management, and third-party risk oversight.","Remediation adversely affected short-term financial performance; company now focused on strategic initiatives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103516,"accession_number":"0000927089-26-000027","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Quaint Oak Bancorp amends bylaws to allow book-entry shares, clarify CEO powers","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Bylaws amended to eliminate physical stock certificates; shares may be held solely in uncertificated (book-entry) form.","Clarifies that CEO (if separate from President) may preside over shareholder meetings and call special board meetings.","Removes obsolete references to first annual meeting and outdated communications equipment for notices.","Amended and restated bylaws effective February 11, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103515,"accession_number":"0000927089-26-000017","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q4 net income drops 89% to $174K; FY2025 net income down 88.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $174K ($0.07/share) vs $1.6M ($0.60) in Q4 2024, down 89%.","Full year 2025 net income $322K ($0.12/share) vs $2.8M ($1.08) in 2024, down 88.5%.","Non-interest expense rose $2.2M in 2025 for technology and personnel investments in international correspondent banking.","SBA loan originations surged to $36.2M in 2025 from $18.5M in 2024, up 96%.","Issued $10M Senior Notes at 11%, due 2028; used proceeds to repay $14M subordinated notes."],"consensus_eps_estimate":null,"consensus_eps_actual":0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103514,"accession_number":"0000927089-26-000003","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2026-01-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.04 quarterly dividend, payable Feb. 9, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.04 per share on January 14, 2026.","Dividend payable on February 9, 2026, to shareholders of record as of January 26, 2026.","Ticker QNTO; no change in dividend rate indicated from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119768,"accession_number":"0000927089-25-000199","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-10-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp posts Q3 net loss of $41k vs net income of $243k YoY; investing in new correspondent banking line","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net loss $41k ($0.02/share) vs net income $243k ($0.09) in Q3 2024.","Non-interest income rose 44.5% ($538k); net interest margin improved to 2.77% from 2.59%.","Loss driven by $804k (16.3%) increase in non-interest expense for international correspondent banking buildout.","Issued $10M senior notes at 11% fixed due 2028; used proceeds to repay $14M subordinated notes maturing March 2025.","Non-performing loans 1.16% of loans; Texas Ratio 9.80%; CEO says ratios remain manageable."],"consensus_eps_estimate":null,"consensus_eps_actual":0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119767,"accession_number":"0000927089-25-000168","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-10-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.04 quarterly dividend, payable Nov 3, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.04 per share declared on October 8, 2025.","Dividend payable November 3, 2025 to shareholders of record October 20, 2025.","Company continues its regular quarterly dividend program; no change in amount indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136339,"accession_number":"0000927089-25-000128","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q2 net income $272K vs $100K YoY; EPS $0.10 vs $0.04","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $272K for Q2 2025, up 172% from $100K in Q2 2024; diluted EPS $0.10.","Six-month net income $189K, down 80.6% from $973K in prior-year period.","Non-performing assets/total assets at 0.89%; NPL ratio 1.10%; Texas ratio 9.24% as of June 30.","Total assets $670.8M, down 2.1% from Dec 2024; deposits decreased $21.1M (3.8%).","Issued $10M Senior Notes at 11% due 2028; repaid $14M subordinated notes due March 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136338,"accession_number":"0000927089-25-000114","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-07-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp cuts quarterly dividend to $0.04 per share; cites capital enhancement","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend reduced to $0.04 per share, payable Aug 4, 2025 to holders of record July 21, 2025.","CEO states reduction supports capital levels, liquidity, and reinvestment in strategic initiatives.","Dividend cut follows Board decision on July 9, 2025; previous dividend level not disclosed.","Company trades on OTCQB under ticker QNTO; holding company for Quaint Oak Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153461,"accession_number":"0000927089-25-000101","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Quaint Oak Bank subsidiary enters consent orders with FDIC and PA regulator over BSA/AML program","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Consent orders issued May 15, 2025; bank neither admitted nor denied unsafe practices or violations.","No fines, penalties, or activity restrictions imposed; orders require enhanced AML/CFT policies and controls.","Remediation deadlines: 90 days for third-party risk program, 180 days for AML internal controls and risk assessment.","Bank has already hired VP Financial Crimes, expanded AML staff, and enhanced training and audit functions.","Orders follow joint FDIC/state examination that began Feb 20, 2024, based on 2023 financial data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153460,"accession_number":"0000927089-25-000099","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-05-16T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Quaint Oak Bancorp shareholders elect directors, ratify auditor, approve say-on-pay, choose triennial vote","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected for three-year term: Augustine (1,071,531 for), Gant (1,050,787 for), Strong (1,066,050 for).","Ratification of S.R. Snodgrass, P.C. as auditor for 2025: 1,612,602 for, 1,153 against.","Non-binding say-on-pay approved: 947,104 for, 123,068 against.","Advisory vote on frequency: three years received 894,827 votes; board adopts triennial advisory vote on exec comp.","No other proposals; all items passed with required votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153459,"accession_number":"0000927089-25-000086","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp reports Q1 net loss of $83,000 vs. $873K profit in prior year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $83,000 or ($0.03) per share vs. net income of $873,000 ($0.36) in Q1 2024.","Net interest margin fell to 2.63% from 2.96%; loan portfolio average balance decreased $69.8M.","Issued $10M in 11% senior notes due 2028; used proceeds to repay $14M subordinated notes.","Non-performing loans slightly increased to $5.9M (1.13% of loans) from $5.7M at Dec 2024.","Total deposits decreased $45.7M to $507.6M, primarily from exiting a correspondent banking relationship."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153458,"accession_number":"0000927089-25-000072","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-04-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly dividend, payable May 5","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.13 per share declared on April 9, 2025.","Dividend payable on May 5, 2025 to shareholders of record as of April 21, 2025.","Announced via press release on April 10, 2025; no change in dividend rate indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172207,"accession_number":"0000927089-25-000054","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-02-24T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp issues $10M senior unsecured notes at 11% to repay maturing subordinated debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $9.75M (plus $250k committed) of 11.00% Fixed Rate Senior Unsecured Notes due March 1, 2028.","Net proceeds to repay $14M of 8.5% Fixed Rate Subordinated Notes maturing March 15, 2025.","Notes rank pari passu with existing senior unsecured debt; unsecured and effectively subordinate to secured debt.","Piper Sandler & Co. served as exclusive placement agent.","Updated Risk Factors filed as Exhibit C, superseding those in 2023 10-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172206,"accession_number":"0000927089-25-000050","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-02-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp elects William R. Gonzalez President and enters new employment agreements","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William R. Gonzalez, 41, elected President of Quaint Oak Bancorp and to the Board (class of 2026), effective Feb 12, 2025.","Robert T. Strong continues as CEO; new employment agreements for four executives with three-year terms and automatic extensions.","Minimum base salaries: Strong $376k, Gonzalez $265k, Augustine $265k, Ott $213k.","Severance: 3x base salary for pre/post-Change in Control termination without cause; 2.99x avg comp within 24 months of Change in Control.","Non-compete of 1 year and non-solicit of 3 years included in agreements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172205,"accession_number":"0000927089-25-000039","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q4 net income $1.6M, up 38.3% YoY; full-year $2.8M, up 38.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 EPS $0.60 vs $0.49 in Q4 2023; full-year EPS $1.08 vs $0.90.","Non-interest income rose $1.8M in Q4, driven by a $1.5M gain on sale-leaseback of Allentown property.","Non-performing loans at 1.07% of total loans; allowance for credit losses increased to 1.20%.","Total assets fell 9.1% to $685.2M; deposits decreased $78.4M; FHLB borrowings rose 64.9%.","Board declared $0.13 per share dividend payable Feb 10, 2025; risk-based capital ratio 14.34%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172204,"accession_number":"0000927089-25-000028","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2025-01-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13/share quarterly dividend, payable Feb 10, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.13 per share declared on January 15, 2025.","Dividend payable February 10, 2025 to shareholders of record January 27, 2025.","Routine quarterly dividend; no change in rate from prior quarter indicated.","Company trades on OTCQB under symbol QNTO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189180,"accession_number":"0000927089-24-000159","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K/A","filed_at":"2024-11-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp amends Q3 earnings to reclassify OCH gain to discontinued ops","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Reclassification of OCH gain from continuing to discontinued ops for 9M ended Sep 30, 2024; no impact on net income or EPS.","Corrected continuing ops: total non-interest income $4.1M (2024) vs $3.1M (2023); net income $0.81M vs $1.49M.","Corrected discontinued ops: net income $0.41M vs loss ($0.61M); basic EPS $0.15 vs ($0.28).","Basic EPS from continuing ops $0.32 (2024) vs $0.68 (2023); diluted $0.32 vs $0.66.","No change to previously reported overall net income or earnings per share."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189183,"accession_number":"0000927089-24-000153","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-10-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp reports Q3 net income of $243k vs loss a year ago; 9-month income up 38.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2024 net income $243k ($0.09/share) vs net loss of $255k (-$0.11) in Q3 2023; 9-month net income $1.2M, up 38.5% YoY.","Non-interest income increased 78.4% YoY to $5.5M (9-mo), driven by $1.4M gain on sale of Oakmont Capital Holdings.","Total assets $701.6M, down 7% from Dec 2023; loans receivable net decreased $70.4M (11.4%).","Allowance for credit losses increased to 1.24% of loans (1.11% at Dec 2023); non-performing loans at 0.99% of loans.","Dividend of $0.13/share declared, payable Nov 12, 2024 to holders of record Oct 28, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189182,"accession_number":"0000927089-24-000149","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-10-29T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp sells Allentown property for $2.94M, leases back for 15 years","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreement to sell property at 1710 Union Blvd, Allentown, PA for $2,940,000 to Mountainseed Real Estate Services.","Simultaneous leaseback for 15 years at initial annual rent of $279,300; Company guarantees lease.","Closing must occur by December 31, 2024; buyer has inspection period up to 45 days.","Property currently houses bank's Lehigh Valley office and admin space; subleased portion to third party."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189181,"accession_number":"0000927089-24-000137","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly cash dividend payable Nov 12","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.13 per share declared on October 16, 2024.","Dividend payable November 12, 2024 to shareholders of record October 28, 2024.","Ticker: QNTO (OTCQB); holding company for Quaint Oak Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205675,"accession_number":"0000927089-24-000127","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-09-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director George M. Ager retires from Quaint Oak Bancorp board effective September 11, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["George M. Ager retired from the boards of Quaint Oak Bancorp and Quaint Oak Bank on September 11, 2024.","Retirement was for personal reasons; no disagreement with the company.","Board reduced size to eliminate vacancy; no replacement appointed.","Ager served on the Bank board since 1968 and the holding company board since its formation in 2007."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205672,"accession_number":"0000927089-24-000119","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K/A","filed_at":"2024-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp amends 8-K to correct book value per share to $19.54 from $17.54","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Book value per share as of June 30, 2024 corrected from $17.54 to $19.54.","Prior 8-K dated August 1, 2024 had misstated the figure in the Per Common Share Data table.","Corrected book value per share of $19.54 compares to $18.91 at June 30, 2023.","No other amendments made to the original August 1, 2024 filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205674,"accession_number":"0000927089-24-000115","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q2 net income falls 82.5% to $100k; NPLs rise to $8.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $100k ($0.04/sh) vs $570k ($0.25/sh) in Q2 2023, down 82.5%.","Total assets decreased $52.2M (6.9%) to $701.9M; loans held for sale down 72.4%.","Provision for credit losses increased $148k (78.3%) to $337k; NPLs rose to $8.7M (1.46% of loans).","Net interest margin compressed from 2.65% to 2.28% YoY; margin compression cited as headwind.","Dividend of $0.13/sh declared payable Aug 5, 2024; two private placements raised $2.5M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205673,"accession_number":"0000927089-24-000108","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-07-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly dividend, payable August 5","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.13 per share declared on July 10, 2024.","Payable on August 5, 2024 to shareholders of record as of July 22, 2024.","Represents a regular quarterly dividend; no change from prior rate.","Ticker QNTO on OTCQB; holding company for Quaint Oak Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222607,"accession_number":"0000927089-24-000080","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Quaint Oak Bancorp shareholders elect directors and ratify auditor at 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["1,532,442 shares represented at meeting out of 2,493,154 eligible, constituting a quorum.","Three directors elected for three-year terms: DiPiero, Phillips, Ozkan, with over 1M votes for each.","Ratification of S.R. Snodgrass as auditor passed with 1,523,782 votes for, 8,659 against.","All proposals were approved by the requisite affirmative vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222606,"accession_number":"0000927089-24-000078","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q1 2024 net income rises 55.1% to $873,000, sells Oakmont Capital stake","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $873,000 ($0.36 per share) vs $563,000 ($0.26) in Q1 2023, a 55.1% increase.","Sold 51% interest in Oakmont Capital Holdings and exited Quaint Oak Real Estate to reduce losses.","Non-performing loans rose to 1.28% of total loans from 0.25% a year ago; Texas Ratio increased to 12.0% from 2.73%.","Total assets $775.5M, deposits $673.4M; Bank's Total Risk-Based Capital Ratio 13.61%.","Board declared $0.13 per share dividend payable May 6, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.36,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222605,"accession_number":"0000927089-24-000063","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-04-19T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp sells 128,500 shares at $11.27 to Areti Bank for $1.45M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 128,500 shares of common stock to Areti Bank International at $11.27/share for aggregate proceeds of $1,448,195.","Shares represent approximately 4.9% of pro forma outstanding common stock.","Transaction exempt from registration under Section 4(a)(2) and Rule 506(b) of Regulation D.","Proceeds to be used for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222604,"accession_number":"0000927089-24-000060","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-04-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly dividend, payable May 6","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a quarterly cash dividend of $0.13 per share on April 10, 2024.","Dividend payable on May 6, 2024 to shareholders of record as of April 22, 2024.","No change in dividend amount from prior quarter indicated in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222603,"accession_number":"0000927089-24-000055","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-04-03T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp sells majority stake in Oakmont Capital to JA Mitsui for $4.3M plus debt assumption","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Quaint Oak Bank sold its 51% equity in Oakmont Capital Holdings to JA Mitsui Leasing USA Holdings for $4.3M cash plus assumption of $15.9M in debt.","Buyer also purchased $45.3M of loans originated by Oakmont Capital and held for sale by Quaint Oak Bank.","Quaint Oak Bancorp discontinued operations of subsidiary Quaint Oak Real Estate and leased premises to HomeStarr Realty for five years.","Under the agreement, Quaint Oak Bank received $4.3M estimated cash payment at closing on March 29, 2024.","The remaining equity holders in Oakmont Capital (officers) entered employment agreements with the buyer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242138,"accession_number":"0000927089-24-000037","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-02-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp appoints Bora Ozkan to board of directors effective Feb 14, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Bora Ozkan, Ph.D., appointed to board effective February 14, 2024; term expires at May 8, 2024 annual meeting.","Ozkan has served on subsidiary Quaint Oak Bank board since November 2022; is Associate Professor of Finance at Temple University.","No arrangements, related-party transactions, or familial relationships with directors or officers.","No other material changes reported in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242137,"accession_number":"0000927089-24-000034","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-02-15T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp sells 3.4% stake to Fintech Holdings for $1M; may sell additional shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["On Feb 14, 2024, Quaint Oak issued 84,818 shares at $11.79/share to Fintech Holdings for $1,000,004.","Fintech has option to buy up to 39,217 more shares (VWAP pricing) within 120 days, capped at 4.9% ownership.","Sale exempt under Section 4(a)(2) and Rule 506(b); Fintech represented as accredited investor.","Net proceeds will be used for general corporate purposes.","Post-sale, Fintech holds approximately 3.4% of Quaint Oak common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242136,"accession_number":"0000927089-24-000024","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-02-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q4 net income $1.1M; full-year 2023 net income drops 74.3% to $2.0M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023 net income $1.1M ($0.49/sh) vs $1.2M ($0.58/sh) in Q4 2022.","Full-year 2023 net income $2.0M ($0.90/sh) vs $7.9M ($3.85/sh) in 2022; decrease of 74.3%.","Net interest margin narrowed to 2.39% for 2023 from 3.56% in 2022 due to higher deposit costs.","Cash and cash equivalents increased $58.2M; FHLB borrowings reduced by $130.2M; deposits up $82.5M.","Board declared $0.13/sh dividend payable Feb 5, 2024; nonperforming loans at 0.07% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.89,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242135,"accession_number":"0000927089-24-000010","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2024-01-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly dividend, payable Feb 5","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.13 per share declared on January 10, 2024.","Dividend payable on February 5, 2024 to shareholders of record as of January 22, 2024.","Company trades on OTCQB under symbol QNTO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259534,"accession_number":"0000927089-23-000159","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-12-15T23:59:59+00:00","items":["4.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp restates Jun/Sep 2023 financials on deposit reclassification; net income unchanged","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee determined June 30, 2023 and September 30, 2023 financial statements should no longer be relied upon.","Correspondent relationship deposits reclassified from non-interest to interest-bearing, increasing interest expense by $750k (Q3) and $456k (Q2 2023).","Net interest income decreased by $750k (Q3) and $456k (Q2), but net income and EPS unchanged for both periods.","Total deposits and stockholders' equity unchanged; no impact on statement of cash flows.","Company to amend Form 10-Qs for Q2 and Q3 2023; management discussed with auditor S.R. Snodgrass."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259533,"accession_number":"0000927089-23-000144","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-11-03T23:59:59+00:00","items":["1.01","3.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp sells 117K shares (4.9%) to ItalBank at $13.87/share for $1.62M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 117,125 shares of common stock to ItalBank International at $13.87 per share, aggregate $1,624,524.","Sale represents approximately 4.9% of pro forma outstanding common stock; net proceeds for general corporate purposes.","ItalBank represented as accredited investor; shares issued under Section 4(a)(2) and Rule 506(b) exemption.","Closing occurred on November 2, 2023; customary representations, warranties, and conditions included."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259532,"accession_number":"0000927089-23-000140","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp reports Q3 net loss of $255K on higher interest expense; net interest margin shrinks to 2.63%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $255K ($0.11 per share) vs net income $2.6M ($1.29 per share) in Q3 2022.","Net interest margin fell to 2.63% from 3.75% as interest expense surged 158.6%.","Non-interest income dropped 49.3% due to a 75.4% decline in gain on loan sales.","Board declared $0.13 quarterly dividend payable Nov 6; insiders purchased $580K of stock.","Non-performing assets remained minimal at 0.02% of total assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":259531,"accession_number":"0000927089-23-000129","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-10-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly dividend, payable Nov 6","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.13 per share cash dividend on Oct 11, 2023.","Dividend payable Nov 6, 2023; record date Oct 23, 2023.","The company (OTCQB:QNTO) continues its regular quarterly distribution."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276790,"accession_number":"0000927089-23-000117","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Q2 net income $570K, down 68% YoY; net interest margin falls to 2.66%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $570K ($0.25 EPS) vs $1.8M ($0.87) in Q2 2022, a 68% decline; H1 2023 net income $1.1M ($0.51) vs $4.0M ($1.99).","Net interest margin compressed to 2.66% from 3.54%; interest rate spread shrank from 3.37% to 1.83%.","Non-interest income down 21.3% as net gain on loan sales fell 62.5%; management cites scarcity of liquidity from Fed balance sheet contraction.","Non-performing assets only $73K (0.01% of assets); Texas Ratio at 0.13% as of June 30, 2023.","Issued $14M aggregate subordinated notes due 2025; deposits rose 4.4% to $573.4M; FHLB borrowings reduced 28.4% to $114.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":276789,"accession_number":"0000927089-23-000099","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-07-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak Bancorp declares $0.13 quarterly cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.13 per share quarterly cash dividend on July 12, 2023.","Dividend payable August 7, 2023 to shareholders of record July 24, 2023.","Company trades on OTCQB under symbol QNTO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294614,"accession_number":"0000927089-23-000070","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-05-12T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Quaint Oak Bancorp shareholders elect three directors, ratify auditor, approve 2023 Stock Incentive Plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected George Ager, James Clarke, and Susan Vettori as directors for three-year terms ending 2026; each received over 1M FOR votes.","Ratified S.R. Snodgrass, P.C. as independent auditor for FY2023 with 1,478,550 FOR, 17 AGAINST, 2,956 abstain.","Approved the 2023 Stock Incentive Plan with 1,036,937 FOR, 24,736 AGAINST, 2,110 abstain, and 417,740 broker non-votes.","Quorum achieved with 1,481,523 shares represented (67.6% of 2,191,450 eligible shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294613,"accession_number":"0000927089-23-000068","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-05-05T23:59:59+00:00","items":["1.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp's amended stock purchase pact with FNCB terminated after deadline","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["FNCB terminated the Amended Stock Purchase Agreement on May 2, 2023, as permitted.","Sale of up to 116,292 additional shares not completed by the April 30, 2023 deadline.","No termination penalties incurred by either party.","Initial sale of 105,904 shares closed December 12, 2022 remains unaffected.","Representations and warranties survive for one year after delivery of Shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294612,"accession_number":"0000927089-23-000064","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp Q1 net income plunges 75% to $563K on margin compression and lower fee income","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $563K ($0.26 basic EPS) vs $2.2M ($1.12) a year ago, down 75% YoY.","Net interest margin narrowed to 2.72% from 4.15% as average money market rates rose 321 bps.","Non-interest income fell $2.1M (38.6%) led by 79% drop in net gain on loan sales.","Deposits grew $5.2M to $554.4M; non-interest-bearing deposits increased $6.5M.","Asset quality improved: NPLs/loans 0.25%, NPAs/assets 0.19%, Texas ratio 2.73%; capital up $13.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294611,"accession_number":"0000927089-23-000051","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-04-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Quaint Oak declares $0.13 quarterly dividend, payable May 8 to holders of record Apr 24","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.13 per share declared on April 12, 2023.","Payable May 8, 2023 to shareholders of record as of April 24, 2023.","No change in dividend rate from prior quarter indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":294610,"accession_number":"0000927089-23-000046","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-04-04T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Quaint Oak amends stock purchase agreement with FNCB, extends closing deadline to April 30","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment clarifies purchase price for up to 116,292 additional shares based on 30-day VWAP.","Deadline for purchase of additional shares extended to April 30, 2023.","Previously, 105,904 shares sold to FNCB for $2,382,840 in December 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315215,"accession_number":"0000927089-23-000027","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-03-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Quaint Oak Bancorp appoints Susan M. Vettori to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective February 8, 2023; term expires at May 10, 2023 annual meeting.","Ms. Vettori has served on the board of Quaint Oak Bank since May 2021.","She is retired, formerly President of Aria, Inc. (Susan's Hallmark Shop) from 1987 to 2023.","No arrangements or related-party transactions exist between Ms. Vettori and the company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315214,"accession_number":"0000927089-23-000023","cik":1391933,"company_name":"QUAINT OAK BANCORP, INC.","ticker":"QNTO","form_type":"8-K","filed_at":"2023-03-21T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Quaint Oak Bancorp issues $2.0M of 8.5% subordinated notes due 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $2.0M aggregate principal of fixed-rate subordinated notes due March 15, 2025.","Notes bear 8.50% annual interest, payable semi-annually on March 15 and September 15.","Notes are unsecured and subordinated to senior debt, including depositor claims.","Net proceeds from the private placement will be used for general corporate purposes.","Notes sold to accredited investors in reliance on Rule 506(b) of Regulation D."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":44935608.3233533,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-03-21T23:59:59+00:00|315214"}