Stock fact sheet · data as of
Benchmark Bankshares, Inc. (BMBN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is BMBN undervalued?
BMBN has a margin of safety of 65%: the stock closed at 43.33 on 16 Oct 2026 against a GLS average fair value of 124.21. 8 of the 9 valuation models that produced a number sit above the price. Our screens 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 (304.22). 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 BMBN under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
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 | 97.01 | +124% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 58.44 | +35% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 186.86 | +331% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 74.43 | +72% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 304.22 | +602% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 130.06 | +200% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 197.20 | +355% | 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 | 55.21 | +27% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -273.95 | -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 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 8.8/10 puts BMBN among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
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 | 8 / 9 | ROIC | 15.6% |
|---|---|---|---|
| GLS Moat | 8.8 / 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 39: No options
No options are listed on Benchmark Bankshares, 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 $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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 65% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 13 / 15 | moat 8.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $193M cap, beta 0.06 |
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 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 |
|---|---|---|---|---|---|
| LARK Landmark Bancorp, Inc. | 31.55 | 42.44 | +26% | 39No options | $192M |
| CBFV CB Financial Services, Inc. | 38.18 | 33.49 | -14% | 31No options | $194M |
| TYFG Tri-County Financial Group, Inc. | 80.00 | 93.07 | +14% | 39No options | $191M |
| SBKO Summit Bank Group, Inc. | 24.50 | 50.31 | +51% | 39No options | $191M |
| INBC InBankshares, Corp | 15.95 | 12.97 | -23% | 26No options | $191M |
| MSWV Main Street Financial Services Corp. | 24.00 | 47.16 | +49% | 39No options | $188M |
| PSBQ PSB Holdings, Inc. | 49.60 | 49.29 | -1% | 39No options | $199M |
| CSBB CSB Bancorp, Inc. | 75.99 | 90.45 | +16% | 39No options | $200M |
| QNBC QNB Corp. | 45.80 | 35.38 | -29% | 24No options | $185M |
| RBKB Rhinebeck Bancorp, Inc. | 12.86 | 17.14 | +25% | 39No options | $201M |
| UBAB United Bancorporation of Alabama, Inc. | 60.35 | 135.73 | +56% | 39No options | $184M |
| BVFL BV Financial, Inc. | 21.75 | 36.91 | +41% | 39No options | $184M |
⚖ 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 43.33 the stock is 65% below the average fair value of 124.21 (data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BMBN?
124.21 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 Benchmark Bankshares, Inc. report earnings next?
No upcoming earnings date is recorded for BMBN in our calendar as of 16 Oct 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 is capped at 39.