Stock fact sheet · data as of
CBC Holding Company (CBHC): fair value, margin of safety and Wheel Score
Ticker symbol CBHC · Financial Services · Banks - Regional · United States · Growth Income
Is CBHC undervalued?
At 28.40 (close of 5 Nov 2026), CBHC trades 609% over the GLS average fair value of 4.00, with 1 of 9 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
The 9 models disagree widely: EPV gives 0.0334 while DDM gives 35.31. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, CBHC is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 1, growth score 28, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for CBHC
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 | 0.1998 | -99% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 0.0442 | -100% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.1414 | -100% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.0595 | -100% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.0677 | -100% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 0.0800 | -100% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 0.0947 | -100% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 35.31 | +24% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 0.0334 | -100% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 0.0274 | -100% | 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 CBHC (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. The GLS Moat score is 5.5 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 10.5%, ROE 10.5%, ROA 1.3% - with debt at 0.00 times equity and a free-cash-flow yield of 0.0%.
The dividend yield is high at 8.45% (payout ratio 34%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
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 | 10.5% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 10.5% |
| Debt / equity | 0.00 | ROA | 1.3% |
| Free-cash-flow yield | 0.0% | Payout ratio | 34% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 18: No options
CBHC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (18 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $21M, with a beta of 0.20 - 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 | Fails | trades 609% above our fair value |
| 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 $21M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 609% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.5/10 | |
| 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 0.20, $21M 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 CBHC in the nightly calendar. The shares go ex-dividend on 6 Nov 2026 (1.70 per share), so a covered call sold before then carries a small early-assignment risk around that date.
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 CBC Holding Company 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 |
|---|---|---|---|---|---|
| CCYY CCCB Bancorp Inc. | 12.44 | 5.43 | -129% | 15No options | $21M |
| TBBA TEB Bancorp, Inc | 7.85 | 6.65 | -18% | 13No options | $21M |
| FIBH First Bancshares, Inc. | 38.50 | 20.31 | -90% | 15No options | $21M |
| UNTN United Tennessee Bankshares, Inc. | 27.56 | 38.01 | +27% | 31No options | $20M |
| MSBB Mercer Bancorp, Inc. | 20.00 | 7,153.61 | +100% | 35No options | $20M |
| SICP Silvergate Capital Corporation | 0.6400 | 71.24 | +99% | 27No options | $20M |
| JTNB JTNB Bancorp, Inc. | 21.15 | 56.50 | +63% | 31No options | $20M |
| TVLF Tennessee Valley Financial Holdings, Inc. | 12.00 | 18.68 | +36% | 33No options | $22M |
| UNIF U & I Financial Corp. | 4.02 | 2.77 | -45% | 10No options | $22M |
| CIBN Community Investors Bancorp, Inc. | 28.04 | 103.49 | +73% | 30No options | $22M |
| GOVB Gouverneur Bancorp, Inc. | 21.25 | 5.85 | -263% | 15No options | $23M |
| CRZY Crazy Woman Creek Bancorp Incorporated | 36.00 | 64.46 | +44% | 34No options | $19M |
⚖ Compare CBHC with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about CBHC
Is CBHC undervalued right now?
No: at 28.40 the stock trades 609% above the GLS average fair value of 4.00 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of CBHC and what does it mean?
CBHC 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 CBHC?
4.00 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 CBC Holding Company report earnings next?
No upcoming earnings date is recorded for CBHC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CBHC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBHC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.