Baker Boyer Bancorp (BBBK): fair value, margin of safety and Wheel Score

Is BBBK undervalued?

At 41.67 (close of 5 Nov 2026), BBBK trades 39% below the GLS average fair value of 68.22. That average comes from 9 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Baker Boyer Bancorp the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between GLS Growth (10.01) and DCF (196.18). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, BBBK is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 69, growth score 35, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).

Nine valuation models for BBBK

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.

Quality and financial health

Baker Boyer Bancorp scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability BBBK scores 5.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are moderate - ROIC 5.5%, ROE 5.5%, ROA 0.5% - with debt at 0.00 times equity and negative free cash flow.

The dividend yield is high at 5.04% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 32: No options

No options are listed on Baker Boyer Bancorp in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 32, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 0k shares a day on a market cap of $55M, with a beta of -0.01 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for BBBK 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 Baker Boyer Bancorp 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.

⚖ Compare BBBK with 7 of them   All Financial Services stocks →