Stock fact sheet · data as of
The Baraboo Bancorporation, Inc. (BAOB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is BAOB undervalued?
BAOB closed at 6.99 on 16 Oct 2026, 18% below the GLS average fair value of 8.52 from 9 models (5 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 20 of the 25 Value points.
The 9 models disagree widely: DDM gives 1.91 while Graham Growth gives 17.35. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files BAOB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for BAOB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 9.12 | +31% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.87 | +41% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 17.35 | +148% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.31 | -10% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.50 | -36% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 11.51 | +65% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 9.42 | +35% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 1.91 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 6.72 | -4% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -52.03 | -844% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: BAOB passes 4 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 5.9 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 7.4%, ROE 8.4%, ROA 0.9% - with debt at 0.14 times equity and a free-cash-flow yield of 6.1%.
The dividend yield is 1.86% at a payout ratio of 20%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 7.4% |
|---|---|---|---|
| GLS Moat | 5.9 / 10 | ROE | 8.4% |
| Debt / equity | 0.14 | ROA | 0.9% |
| Free-cash-flow yield | 6.1% | Payout ratio | 20% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
BAOB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 5k shares a day on a market cap of $62M, with a beta of -0.04 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 20 / 25 | 18% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 9 / 15 | moat 5.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 5k shares/day, $62M cap, beta -0.04 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BAOB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to The Baraboo Bancorporation, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| HBSI Highlands Bankshares, Inc. | 47.00 | 78.91 | +40% | 39No options | $62M |
| MBKL MBT Bancshares, Inc. | 30.00 | 88.09 | +66% | 39No options | $61M |
| CEFC Commercial National Financial Corporation | 15.71 | 20.04 | +22% | 39No options | $62M |
| IBWC IBW Financial Corporation | 97.00 | 25.36 | -283% | 12No options | $63M |
| FMFG Farmers and Merchants Bancshares, Inc. | 18.60 | 23.10 | +19% | 39No options | $61M |
| NEFBP Neffs Bancorp, Inc. PFD SER A | 400.00 | 199.67 | -100% | 14No options | $61M |
| STBI Sturgis Bancorp, Inc. | 28.94 | 63.28 | +54% | 39No options | $63M |
| LSFG Lifestore Financial Group, Inc. | 58.65 | 90.03 | +35% | 39No options | $60M |
| NTBP New Tripoli Bancorp, Inc. | 950.00 | 653.74 | -45% | 13No options | $60M |
| OTTW Ottawa Bancorp, Inc. | 19.10 | 13.38 | -43% | 27No options | $60M |
| BSPA Ballston Spa Bancorp, Inc. | 80.04 | 20.12 | -298% | 24No options | $59M |
| RWCB Redwood Capital Bancorp | 34.61 | 37.73 | +8% | 39No options | $65M |
⚖ Compare BAOB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BAOB
Is BAOB undervalued right now?
By the GLS models, moderately: at 6.99 the stock trades 18% below the average fair value of 8.52 (data as of 16 Oct 2026).
What is the Wheel Score of BAOB and what does it mean?
BAOB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BAOB?
8.52 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does The Baraboo Bancorporation, Inc. report earnings next?
No upcoming earnings date is recorded for BAOB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BAOB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BAOB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.