A portfolio of stocks I've been building since September 3 is named Volio. It will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

Today I'm reviewing the first of four financial services sector stocks striving to join my Volio folio. This could be the seventeenth pick for Volio!

That financial services sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

My subject today is a micro-cap regional bank, named, Quaint Oak Bancorp Inc. Their trading ticker symbol is QNTO. This is my first report on QNTO.

Quaint Oak Bancorp Inc is a holding company. The bank provides banking services in Bucks County, Pennsylvania.

Its offerings include deposit products, real estate loans, mortgages, insurance as well as online banking services, among others.

Quaint Oak Bank offers mortgage banking, real estate sales, title abstract and insurance services through its subsidiary companies. Quaint Oak Bank serves its customers through its offices as well as through correspondence, telephone, and online banking.

The company operates through its main office located in Bucks County, Pennsylvania and a regional office in Allentown, Pennsylvania. Quaint Oak Bancorp, Inc. was founded in 2007 and is headquartered in Southampton, Pennsylvania.

I use three key data points to gauge dividend-paying equities or funds like Quaint Oak Bancorp Inc:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest, or not.

Those three basic keys, however, best tell whether a company has made, is making, and will make money.

QNTO Price

Quaint Oak's price per share closed at $14.37 yesterday. A year ago its price was $12.01. So, in the past year, its price moved up $2.36, or over 19.65%.

Assuming Quaint Oak's stock trades in the range of $12 to $18 this next year, it's recent $14.37 price could rise by $1.63  to reach $16.00 by late-December, 2020, assuming upward price momentum continues.

QNTO Dividends

Quaint Oak's latest declared quarterly dividend was $0.09 per share paid November 4th.

That $0.09 Q dividend equates to $0.36 annually and yields 2.51% based on yesterday's $14.37 closing price.

QNTO Gains?

Adding the $0.36 annual estimated dividend to my $1.63 optimistic estimate of Quaint Oak's price upside shows a $1.99 potential gross gain, per share, which will be reduced by any costs to trade these shares.

As for costs, if we put a little over $1,000.00 today in Quaint Oak Bancorp Inc at its recent $14.37 price, would buy 70 shares of QNTO.

A $10 broker fee paid half at purchase and half at sale could cost us about $0.14 per share.

Subtract that $0.14 brokerage cost from the estimated $1.99 gross estimated gain per share leaves a net gain of $1.85 X 70 shares = $129.50 or a 12.9% net gain on a $1,005.90 investment.

Therefore, Quaint Oak Bancorp Inc, whose trading ticker symbol is QNTO shows a possible 12.9% net gain including a 2.51% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to learn if Quaint Oak Bancorp Inc, is worth your time and money.