Stock fact sheet · data as of
Boyle Bancorp, Inc. (BYLB): fair value, margin of safety and Wheel Score
Ticker symbol BYLB · Financial Services · Banks - Regional · United States · Blend
Is BYLB undervalued?
Boyle Bancorp, Inc. (BYLB) closed at 123.00 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 303.29, which puts the price 59% below it. 8 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (61.06) and Graham Growth (455.82). 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 BYLB, so the nightly engine files it under Blend (value score 78, growth score 75, out of 100).
Nine valuation models for BYLB
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 | 412.35 | +235% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 196.09 | +59% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 455.82 | +271% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 167.35 | +36% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 436.38 | +255% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 399.33 | +225% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 429.38 | +249% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 61.06 | -50% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 171.85 | +40% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,001.16 | -914% | 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
No Piotroski health score is on file for BYLB (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 7.5/10 puts BYLB 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 14.0%, ROE 14.0%, ROA 1.3% - with debt at 0.00 times equity and a free-cash-flow yield of 11.3%.
The dividend yield is 3.37% at a payout ratio of 26%; 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 | - / 9 | ROIC | 14.0% |
|---|---|---|---|
| GLS Moat | 7.5 / 10 | ROE | 14.0% |
| Debt / equity | 0.00 | ROA | 1.3% |
| Free-cash-flow yield | 11.3% | Payout ratio | 26% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 34: No options
No options are listed on Boyle Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 34, 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 $106M, with a beta of 0.03 - 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 $106M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 59% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.5/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.03, $106M 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 BYLB 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 Boyle 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 |
|---|---|---|---|---|---|
| PBHC Pathfinder Bancorp, Inc. | 16.76 | 18.70 | +10% | 23No options | $105M |
| PNBK Patriot National Bancorp, Inc. | 0.8940 | 2.10 | +57% | 26No options | $106M |
| CITZ Citizens Bancshares Corp. | 50.35 | 126.53 | +60% | 31No options | $105M |
| SEBC Southeastern Banking Corporation | 32.75 | 42.52 | +23% | 29No options | $104M |
| STBK Studio Bank | 14.50 | 14.77 | +2% | 16No options | $104M |
| CNBB CNB Community Bancorp, Inc. | 51.40 | 67.57 | +24% | 29No options | $104M |
| JBTC JBT Bancorp Inc. | 42.60 | 88.46 | +52% | 32No options | $104M |
| BYFC Broadway Financial Corp. | 11.62 | 10.12 | -15% | 17No options | $108M |
| BNCC BNCCORP, Inc. | 30.75 | 55.08 | +44% | 33No options | $108M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.86 | +5% | 15No options | $109M |
| BKSC Bank of South Carolina Corporation | 20.51 | 37.80 | +46% | 37No options | $110M |
| PFBX Peoples Financial Corporation | 23.72 | 12.77 | -86% | 17No options | $110M |
⚖ Compare BYLB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BYLB
Is BYLB undervalued right now?
By the GLS models, yes: at 123.00 the stock is 59% below the average fair value of 303.29 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BYLB and what does it mean?
BYLB 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 BYLB?
303.29 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 Boyle Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for BYLB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does BYLB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BYLB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.