Stock fact sheet · data as of
Benchmark Bankshares, Inc. (BMBN): fair value, margin of safety and Wheel Score
Ticker symbol BMBN · Financial Services · Banks - Regional · United States · Blend
Is BMBN undervalued?
BMBN has a margin of safety of 66%: the stock closed at 43.40 on 5 Nov 2026 against a GLS average fair value of 126.07. 8 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (14.42) and GLS Growth (310.41). 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 BMBN, so the nightly engine files it under Blend (value score 74, growth score 80, out of 100).
Nine valuation models for BMBN
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 | 99.64 | +130% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 59.69 | +38% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 190.66 | +339% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 75.95 | +75% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 310.41 | +615% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 130.44 | +201% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 197.13 | +354% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 14.42 | -67% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 56.34 | +30% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -274.15 | -732% | 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
Benchmark Bankshares, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes 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. A GLS Moat score of 8.6/10 puts BMBN among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are high - ROIC 15.6%, ROE 15.6%, ROA 1.5% - with debt at 0.00 times equity and a free-cash-flow yield of 11.5%.
The dividend yield is 2.26% at a payout ratio of 27%; 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 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 15.6% |
|---|---|---|---|
| GLS Moat | 8.6 / 10 | ROE | 15.6% |
| Debt / equity | 0.00 | ROA | 1.5% |
| Free-cash-flow yield | 11.5% | Payout ratio | 27% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 37: No options
No options are listed on Benchmark Bankshares, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 37, 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 $193M, with a beta of 0.06 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| 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 | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 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 $193M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 66% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 8.6/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.06, $193M 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 BMBN 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 Benchmark Bankshares, 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 |
|---|---|---|---|---|---|
| FNWD Finward Bancorp | 44.66 | 71.06 | +37% | 34No options | $193M |
| INBC InBankshares, Corp | 16.30 | 14.08 | -16% | 18No options | $195M |
| FINW FinWise Bancorp | 13.67 | 31.25 | +56% | 33No options | $190M |
| UBAB United Bancorporation of Alabama, Inc. | 62.05 | 137.53 | +55% | 33No options | $190M |
| SBFG SB Financial Group, Inc. | 30.29 | 38.48 | +21% | 32No options | $189M |
| LARK Landmark Bancorp, Inc. | 32.39 | 46.50 | +30% | 34No options | $198M |
| BVFL BV Financial, Inc. | 22.28 | 39.02 | +43% | 34No options | $189M |
| FGBI First Guaranty Bancshares, Inc. | 11.29 | 45.99 | +75% | 32No options | $188M |
| CSBB CSB Bancorp, Inc. | 76.36 | 81.05 | +6% | 25No options | $201M |
| ECBK ECB Bancorp, Inc. | 22.97 | 57.81 | +60% | 35No options | $201M |
| SBKO Summit Bank Group, Inc. | 25.75 | 51.16 | +50% | 34No options | $201M |
| PLQC Plains Acquisition Corporation | 72.00 | 94.67 | +24% | 32No options | $186M |
⚖ Compare BMBN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BMBN
Is BMBN undervalued right now?
By the GLS models, yes: at 43.40 the stock is 66% below the average fair value of 126.07 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BMBN and what does it mean?
BMBN 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 BMBN?
126.07 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 Benchmark Bankshares, Inc. report earnings next?
No upcoming earnings date is recorded for BMBN in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does BMBN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BMBN, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.