CLARKE JAMES J 4

What Happened
Director James J. Clarke made two open-market purchases of Quaint Oak Bancorp (QNTO) stock on February 5, 2026, acquiring a total of 1,350 shares. He bought 200 shares at $12.74 ($2,548) and 1,150 shares at $12.75 ($14,663), for a combined cash outlay of about $17,211. These were purchases (insider buys), which investors often view as a more informative signal than sales, though they do not prove future performance.

Key Details

• Transaction date: 2026-02-05 (both trades); transaction code: P (purchase).
• Prices and amounts: 200 shares @ $12.74 ($2,548); 1,150 shares @ $12.75 ($14,663); total ~1,350 shares for ~$17,211.
• Shares owned after transaction: the Form‑4 footnotes indicate beneficial ownership includes unvested and jointly held shares (see footnotes below); the filing does not state a single consolidated "owned after" number in the summary section provided here.
• Footnotes of note:
  • Includes 600 unvested shares from the Issuer’s 2023 Stock Incentive Plan (original grant 1,000 shares vesting 20% per year starting May 10, 2024). (F1/F2)
  • Footnotes reference shares held jointly with spouse (filing lists amounts such as 34,100 and 35,250 in different entries). (F1/F2)
  • Related option vesting notes: some options vested fully as of May 9, 2023 (F3); other options vest at 20% per year starting May 10, 2024 (F4).
• Timeliness: Report was filed with an SEC accession date of 2026-02-05 (same day), with no late-filing note in the provided data.

Context
This filing records straightforward open-market purchases by a company director (not an option exercise or gift). Insider purchases can be interpreted as a potentially positive signal because the insider is buying company stock with personal funds, but they are not guarantees of future performance. The footnotes show some holdings are unvested award shares and joint holdings with a spouse; review the full Form 4 for complete beneficial-ownership totals and any additional context.