Stock fact sheet · data as of
Crazy Woman Creek Bancorp Incorporated (CRZY): fair value, margin of safety and Wheel Score
Ticker symbol CRZY · Financial Services · Banks - Regional · United States · Value
Is CRZY undervalued?
At 36.00 (close of 5 Nov 2026), CRZY trades 44% below the GLS average fair value of 64.46. That average comes from 9 models run on the latest filings, and 6 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 Crazy Woman Creek Bancorp Incorporated the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 5.00 while Payback Time gives 116.85. 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, CRZY is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 77, growth score 53, out of 100).
Nine valuation models for CRZY
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 | 24.00 | -33% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 62.44 | +73% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 103.54 | +188% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 32.64 | -9% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 67.12 | +86% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 115.43 | +221% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 116.85 | +225% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.00 | -86% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 53.09 | +47% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -327.49 | -1010% | 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
Financial health is average - CRZY passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.2 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 6.7%, ROE 10.8%, ROA 1.0% - with debt at 0.62 times equity and a free-cash-flow yield of 12.7%.
The dividend yield is 0.94% with a payout ratio of 7% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.7% |
|---|---|---|---|
| GLS Moat | 6.2 / 10 | ROE | 10.8% |
| Debt / equity | 0.62 | ROA | 1.0% |
| Free-cash-flow yield | 12.7% | Payout ratio | 7% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 34: No options
CRZY 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" (34 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $19M, with a beta of 0.02 - 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 $19M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 44% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.2/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.02, $19M 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 CRZY 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 Crazy Woman Creek Bancorp Incorporated 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 |
|---|---|---|---|---|---|
| MFDB Mutual Federal Bancorp, Inc. | 5.57 | 3.12 | -78% | 11No options | $19M |
| JTNB JTNB Bancorp, Inc. | 21.15 | 56.50 | +63% | 31No options | $20M |
| TDCB Third Century Bancorp | 15.48 | 24.45 | +37% | 32No options | $18M |
| SICP Silvergate Capital Corporation | 0.6400 | 71.24 | +99% | 27No options | $20M |
| MSBB Mercer Bancorp, Inc. | 20.00 | 7,153.61 | +100% | 35No options | $20M |
| UNTN United Tennessee Bankshares, Inc. | 27.56 | 38.01 | +27% | 31No options | $20M |
| TBBA TEB Bancorp, Inc | 7.85 | 6.65 | -18% | 13No options | $21M |
| TCNB Town Center Bank | 7.55 | 18.78 | +60% | 30No options | $18M |
| CCYY CCCB Bancorp Inc. | 12.44 | 5.43 | -129% | 15No options | $21M |
| CBHC CBC Holding Company | 28.40 | 4.00 | -609% | 18No options | $21M |
| FIBH First Bancshares, Inc. | 38.50 | 20.31 | -90% | 15No options | $21M |
| FIDS FNB, Inc. | 25.53 | 36.39 | +30% | 28No options | $17M |
⚖ Compare CRZY with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CRZY
Is CRZY undervalued right now?
By the GLS models, yes: at 36.00 the stock is 44% below the average fair value of 64.46 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CRZY and what does it mean?
CRZY 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 CRZY?
64.46 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 Crazy Woman Creek Bancorp Incorporated report earnings next?
No upcoming earnings date is recorded for CRZY in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CRZY have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CRZY, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.