Head-To-Head Review: Quaint Oak Bancorp (OTCMKTS:QNTO) vs. NBT Bancorp (NASDAQ:NBTB)

Quaint Oak Bancorp (OTCMKTS:QNTO) and NBT Bancorp (NASDAQ:NBTB) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, valuation, earnings, risk and dividends.

Dividends

Quaint Oak Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 0.9%. NBT Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 3.3%. Quaint Oak Bancorp pays out 76.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. NBT Bancorp pays out 42.2% of its earnings in the form of a dividend. NBT Bancorp has increased its dividend for 12 consecutive years. NBT Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Risk and Volatility

Quaint Oak Bancorp has a beta of -0.09, indicating that its share price is 109% less volatile than the S&P 500. Comparatively, NBT Bancorp has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Quaint Oak Bancorp and NBT Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Quaint Oak Bancorp	0	0	0	0	0.00
NBT Bancorp	0	3	2	1	2.67

NBT Bancorp has a consensus price target of $49.50, indicating a potential upside of 10.49%. Given NBT Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe NBT Bancorp is more favorable than Quaint Oak Bancorp.

Valuation and Earnings

This table compares Quaint Oak Bancorp and NBT Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Quaint Oak Bancorp	$47.79 million	0.94	$320,000.00	$0.21	80.83
NBT Bancorp	$906.48 million	2.57	$169.24 million	$3.51	12.76

NBT Bancorp has higher revenue and earnings than Quaint Oak Bancorp. NBT Bancorp is trading at a lower price-to-earnings ratio than Quaint Oak Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

8.6% of Quaint Oak Bancorp shares are owned by institutional investors. Comparatively, 58.5% of NBT Bancorp shares are owned by institutional investors. 28.6% of Quaint Oak Bancorp shares are owned by company insiders. Comparatively, 3.0% of NBT Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Quaint Oak Bancorp and NBT Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Quaint Oak Bancorp	1.19%	1.09%	0.08%
NBT Bancorp	19.59%	11.06%	1.28%

Summary

NBT Bancorp beats Quaint Oak Bancorp on 16 of the 18 factors compared between the two stocks.

About Quaint Oak Bancorp

Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania. It offers various deposit products, including money market accounts, certificates of deposit, interest and non-interest-bearing checking accounts for businesses and consumers, and savings accounts. The company also provides residential and commercial mortgage loans, construction loans, commercial business loans, home equity loans, and lines of credit; mortgage banking, real estate sales, title abstract, and insurance services; and multi-state equipment financing services. It serves its customers through offices, as well as correspondence, telephone, and online banking. Quaint Oak Bancorp, Inc. was incorporated in 1926 and is headquartered in Southampton, Pennsylvania.

About NBT Bancorp

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.