Stock fact sheet · data as of
Bonvenu Bancorp, Inc. (BBNA): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is BBNA undervalued?
BBNA closed at 18.50 on 16 Oct 2026 against a GLS average fair value of 20.40 - 9.3% below fair value, which our screens read as "fairly priced". 5 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between GLS Growth (4.36) and 10 Cap (40.13). 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.
The nightly engine files BBNA under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for BBNA
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 | 27.88 | +51% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 25.25 | +36% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 24.00 | +30% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.95 | -68% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.36 | -76% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 40.13 | +117% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 31.45 | +70% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.09 | -56% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 16.53 | -11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -199.74 | -1180% | 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
Bonvenu Bancorp, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. 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. A GLS Moat score of 4.4/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 3.8%, ROE 5.9%, ROA 0.5% - with debt at 0.55 times equity and negative free cash flow.
The dividend yield is 2.97% at a payout ratio of 0%; 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 | 6 / 9 | ROIC | 3.8% |
|---|---|---|---|
| GLS Moat | 4.4 / 10 | ROE | 5.9% |
| Debt / equity | 0.55 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bonvenu Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; 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 $121M, with a beta of 0.15 - 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 | 16 / 25 | 9% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 7 / 15 | moat 4.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $121M cap, beta 0.15 |
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 BBNA 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 Bonvenu Bancorp, 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 |
|---|---|---|---|---|---|
| KTHN Katahdin Bankshares Corp. | 38.00 | 48.84 | +22% | 39No options | $121M |
| CMHF Community Heritage Financial, Inc. | 40.74 | 37.65 | -8% | 31No options | $120M |
| JFBC Jeffersonville Bancorp | 28.62 | 54.99 | +48% | 39No options | $121M |
| RVSB Riverview Bancorp, Inc. | 6.01 | 6.83 | +12% | 45Weak | $120M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| CWBK CW Bancorp | 41.74 | 110.97 | +62% | 39No options | $122M |
| BOTJ Bank of the James Financial Group, Inc. | 26.99 | 33.57 | +20% | 39No options | $123M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
| NMBF Nmb Financial Corp | 22.05 | 34.86 | +37% | 38No options | $118M |
| BORT Bank of Botetourt | 59.24 | 107.04 | +45% | 39No options | $117M |
| CZBS Citizens Bancshares Corporation | 66.90 | 135.37 | +51% | 39No options | $117M |
| BSBK Bogota Financial Corp. | 9.13 | 6.67 | -37% | 36No options | $117M |
⚖ Compare BBNA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BBNA
Is BBNA undervalued right now?
Not meaningfully: at 18.50 the stock trades within a few percent of the GLS average fair value of 20.40 (9.3% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of BBNA and what does it mean?
BBNA 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 BBNA?
20.40 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 Bonvenu Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for BBNA in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BBNA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BBNA, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.