Stock fact sheet · data as of
Denali Bancorporation, Inc. (DENI): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is DENI undervalued?
DENI has a margin of safety of 50%: the stock closed at 20.00 on 16 Oct 2026 against a GLS average fair value of 39.64. 7 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.
The 9 models disagree widely: GLS Growth gives 12.19 while 10 Cap gives 87.71. 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.
The nightly engine files DENI under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for DENI
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 | 20.54 | +3% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 30.94 | +55% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 67.79 | +239% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 23.40 | +17% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 12.19 | -39% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 87.71 | +339% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 69.98 | +250% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 14.71 | -26% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 29.47 | +47% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -160.04 | -900% | 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 weak: DENI passes 0 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are high - ROIC 14.4%, ROE 16.5%, ROA 1.5% - with debt at 0.15 times equity and a free-cash-flow yield of 17.1%.
The dividend yield is high at 5.00% (payout ratio 32%). 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 | 0 / 9 | ROIC | 14.4% |
|---|---|---|---|
| GLS Moat | 6.3 / 10 | ROE | 16.5% |
| Debt / equity | 0.15 | ROA | 1.5% |
| Free-cash-flow yield | 17.1% | Payout ratio | 32% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
DENI has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 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 $58M, with a beta of -0.17 - 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 | 50% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 9 / 15 | moat 6.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $58M cap, beta -0.17 |
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 DENI 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 Denali Bancorporation, 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 |
|---|---|---|---|---|---|
| NEFB Neffs Bancorp, Inc. | 400.00 | 208.83 | -92% | 25No options | $58M |
| NIDB Northeast Indiana Bancorp, Inc. | 24.11 | 37.44 | +36% | 39No options | $58M |
| OSBK Oconee Financial Corporation | 55.00 | 83.54 | +34% | 39No options | $58M |
| FFWC FFW Corporation | 53.18 | 73.01 | +27% | 39No options | $58M |
| BSPA Ballston Spa Bancorp, Inc. | 80.04 | 20.12 | -298% | 24No options | $59M |
| OTTW Ottawa Bancorp, Inc. | 19.10 | 13.38 | -43% | 27No options | $60M |
| NTBP New Tripoli Bancorp, Inc. | 950.00 | 653.74 | -45% | 13No options | $60M |
| LSFG Lifestore Financial Group, Inc. | 58.65 | 90.03 | +35% | 39No options | $60M |
| NEFBP Neffs Bancorp, Inc. PFD SER A | 400.00 | 199.67 | -100% | 14No options | $61M |
| FMFG Farmers and Merchants Bancshares, Inc. | 18.60 | 23.10 | +19% | 39No options | $61M |
| INFT Infinity Bancorp | 17.90 | 53.82 | +67% | 39No options | $56M |
| SSBP SSB Bancorp, Inc. | 25.20 | 59.62 | +58% | 39No options | $55M |
⚖ Compare DENI with 7 of them All Financial Services stocks →
Screen 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 same eight-rule screen, 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 DENI
Is DENI undervalued right now?
By the GLS models, yes: at 20.00 the stock is 50% below the average fair value of 39.64 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of DENI and what does it mean?
DENI 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 DENI?
39.64 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 Denali Bancorporation, Inc. report earnings next?
No upcoming earnings date is recorded for DENI in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does DENI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on DENI, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.