Stock fact sheet · data as of
BankGuam Holding Co. (BKGM): fair value, margin of safety and Wheel Score
Ticker symbol BKGM · Financial Services · Banks - Regional · Guam · Blend
Is BKGM undervalued?
At 9,000.00 (close of 5 Nov 2026), BKGM trades 73% below the GLS average fair value of 32,907.51. That average comes from 9 models run on the latest filings, and 8 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 BankGuam Holding Co. 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 DDM (4,009.64) and GLS Growth (79,491.95). 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, neither cheapness nor growth clearly wins for BKGM, so the nightly engine files it under Blend (value score 87, growth score 68, out of 100).
Nine valuation models for BKGM
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 | 12,553.74 | +39% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 18,654.07 | +107% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 35,400.97 | +293% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12,584.31 | +40% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 79,491.95 | +783% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 44,619.09 | +396% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 74,426.46 | +727% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4,009.64 | -55% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 14,427.35 | +60% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -152,416.30 | -1794% | 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
BankGuam Holding Co. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability BKGM scores 6.2/10 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 8.9%, ROE 10.9%, ROA 0.8% - with debt at 0.22 times equity and a free-cash-flow yield of 20.9%.
The dividend yield is 3.03% at a payout ratio of 24%; 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. Revenue comes mainly from Asset Based Fees 49%, Service Charges On Deposit Accounts 41%, Online Fees 10% (fiscal year FY2021).
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 | 8.9% |
|---|---|---|---|
| GLS Moat | 6.2 / 10 | ROE | 10.9% |
| Debt / equity | 0.22 | ROA | 0.8% |
| Free-cash-flow yield | 20.9% | Payout ratio | 24% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 30: No options
No options are listed on BankGuam Holding Co. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 30, 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 $164M, with a beta of 1.58 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $164M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 73% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.2/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Weak | beta 1.58, $164M company |
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 BKGM 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 BankGuam Holding Co. 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 |
|---|---|---|---|---|---|
| MNAT Marquette National Corporation | 37.55 | 82.25 | +54% | 34No options | $165M |
| HNVR Hanover Bancorp, Inc. | 23.01 | 38.24 | +40% | 32No options | $162M |
| JDVB JD Bancshares, Inc. | 47.25 | 39.11 | -21% | 19No options | $162M |
| FMBM F & M Bank Corp. | 45.55 | 61.42 | +26% | 32No options | $162M |
| AMBK American Bank Incorporated | 25.51 | 27.66 | +8% | 22No options | $162M |
| WRIV White River Bancshares Co. | 34.00 | 33.12 | -3% | 19No options | $166M |
| SFIGA STAR Financial Group, Inc. | 60.06 | 201.52 | +70% | 32No options | $166M |
| BKUTK Bank of Utica | 671.06 | 3,131.50 | +79% | 30No options | $168M |
| TRCY Tri City Bankshares Corporation | 18.99 | 27.16 | +30% | 32No options | $169M |
| NODB North Dallas Bank & Trust Co | 66.10 | 29.73 | -122% | 16No options | $170M |
| ARBV American Riviera Bancorp | 29.50 | 30.04 | +2% | 19No options | $170M |
| CMRB First Commerce Bank | 7.55 | 9.28 | +19% | 27No options | $157M |
⚖ Compare BKGM with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BKGM
Is BKGM undervalued right now?
By the GLS models, yes: at 9,000.00 the stock is 73% below the average fair value of 32,907.51 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BKGM and what does it mean?
BKGM has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for BKGM?
32,907.51 per share as of 5 Nov 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 BankGuam Holding Co. report earnings next?
No upcoming earnings date is recorded for BKGM in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does BKGM have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BKGM, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.