Quaint Oak Bancorp Inc

Quaint Oak Bancorp Inc has a total equity of $51.39 million and a debt-to-equity ratio of 0.43, indicating a relatively conservative capital structure. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 0.19%, and the return on assets (ROA) is 0.01%, both of which are below the typical performance metrics for banks.

The company's profitability is modest, with a net income of $100,000 on revenue of $4.074 million. The ROE and ROA figures suggest that the company is not generating strong returns relative to its equity and asset base. These metrics are below the industry norms for banks, which typically have higher ROE and ROA due to the leverage inherent in the banking business.

Quaint Oak Bancorp Inc's revenue is not segmented by geographic or product lines in the available data, making it difficult to assess the concentration of its revenue streams. However, the company's total assets of $701.89 million and total liabilities of $650.496 million suggest a relatively small asset base compared to major competitors like JPMorgan Chase, Bank of America, and Citigroup.

The company's growth trajectory is not clearly defined in the available data. The outlook for the current fiscal year does not provide specific numeric deltas for revenue or earnings, and there is no detailed guidance for the next fiscal year. The company's operating cash flow of $27.262 million is positive, but the free cash flow is negative at -$160,000, indicating that the company is not generating sufficient cash to cover its capital expenditures.

The risk assessment for Quaint Oak Bancorp Inc highlights a medium liquidity risk and a low dilution risk. The company's capital structure is relatively stable, with a low level of long-term debt. However, the negative net cash position after subtracting total debt is a key flag that could impact the company's ability to meet short-term obligations.

There are no recent events or filings mentioned in the available data that would significantly impact the company's operations or financial position. The company's capital expenditures are negative at -$414,000, suggesting that it is not investing in new assets or infrastructure at this time.

Total assets grew at a 5.1% CAGR over five years, indicating consistent balance sheet expansion despite recent revenue stagnation.

Equity grew at a 10.7% CAGR over five years, suggesting strong capital accumulation relative to asset growth trends.

The company ranks best-in-class for cash conversion within its bank cohort, highlighting superior cash generation efficiency.

Dilution risk is assessed as low, providing stability for existing shareholders amidst potential capital raising needs.

Revenue showed slight year-over-year growth of 0.5% in the latest period, halting a longer-term decline trend.

Revenue declined at a 3.5% CAGR over four years, indicating a persistent inability to grow top-line operating income.