Profitability
This table compares Quaint Oak Bancorp and F & M Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Quaint Oak Bancorp | 1.64% | 1.49% | 0.12% |
| F & M Bank | 17.24% | 13.56% | 1.04% |
Dividends
Quaint Oak Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 1.1%. F & M Bank pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Quaint Oak Bancorp pays out 55.2% of its earnings in the form of a dividend. F & M Bank pays out 25.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. F & M Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.
Valuation & Earnings
This table compares Quaint Oak Bancorp and F & M Bank”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Quaint Oak Bancorp | $47.79 million | 0.78 | $320,000.00 | $0.29 | 48.69 |
| F & M Bank | $78.92 million | 1.83 | $11.23 million | $4.04 | 9.95 |
F & M Bank has higher revenue and earnings than Quaint Oak Bancorp. F & M Bank 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 and Insider Ownership
8.6% of Quaint Oak Bancorp shares are owned by institutional investors. Comparatively, 3.8% of F & M Bank shares are owned by institutional investors. 28.6% of Quaint Oak Bancorp shares are owned by insiders. Comparatively, 10.6% of F & M Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Risk and Volatility
Quaint Oak Bancorp has a beta of -0.06, indicating that its share price is 106% less volatile than the S&P 500. Comparatively, F & M Bank has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500.
Summary
F & M Bank beats Quaint Oak Bancorp on 10 of the 13 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 F & M Bank
F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It also provides construction loans, including residential, and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers brokerage services and commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.
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