{"filings":[{"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}],"next_cursor":null}