Stock fact sheet · data as of
Empire Bancshares, Inc. (EBSH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is EBSH undervalued?
Empire Bancshares, Inc. (EBSH) closed at 44.00 on 16 Oct 2026, 45% above the GLS average fair value of 30.36. 7 of the 9 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
The 9 models disagree widely: DDM gives 6.77 while Payback Time gives 52.48. 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 EBSH 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 EBSH
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 | 22.58 | -49% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 36.71 | -17% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 39.78 | -10% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.05 | -75% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 29.44 | -33% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 50.08 | +14% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 52.48 | +19% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.77 | -85% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 24.30 | -45% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -271.82 | -718% | 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: EBSH 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 5.5 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 moderate - ROIC 7.2%, ROE 8.0%, ROA 0.7% - with debt at 0.11 times equity and a free-cash-flow yield of 4.7%.
The dividend yield is 1.05% with a payout ratio of 21% - 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 | 0 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 8.0% |
| Debt / equity | 0.11 | ROA | 0.7% |
| Free-cash-flow yield | 4.7% | Payout ratio | 21% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 14: No options
EBSH 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" (14 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 $29M, with a beta of 0.99; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -45% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 8 / 15 | moat 5.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $29M cap, beta 0.99 |
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 EBSH 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 Empire Bancshares, 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 |
|---|---|---|---|---|---|
| ELMA Elmer Bancorp, Inc. | 25.60 | 53.09 | +52% | 39No options | $29M |
| CDAB Coeur d'Alene Bancorp, Inc. | 15.60 | 15.62 | +0% | 39No options | $30M |
| VWFB VWF Bancorp, Inc. | 14.65 | 4.66 | -215% | 25No options | $28M |
| CBFC CNB Financial Services, Inc. | 80.00 | 226.68 | +65% | 39No options | $30M |
| SOUB SouthPoint Bancshares, Inc. | 10.25 | 108.41 | +91% | 39No options | $30M |
| WVFC WVS Financial Corp. | 19.00 | 24.31 | +22% | 39No options | $31M |
| PCLB Pinnacle Bancshares, Inc. | 35.00 | 85.02 | +59% | 39No options | $31M |
| MCHT Mauch Chunk Trust Financial Corp. | 9.40 | 9.05 | -4% | 31No options | $31M |
| HRBK Harbor Bankshares Corporation | 26.32 | 28.94 | +9% | 39No options | $32M |
| HRGG Heritage NOLA Bancorp, Inc. | 21.30 | 5.53 | -285% | 23No options | $26M |
| WOBK Woodsboro Bank | 81.00 | 182.45 | +56% | 39No options | $32M |
| APLO Apollo Bancorp, Inc. | 52.00 | 69.13 | +25% | 39No options | $26M |
⚖ Compare EBSH with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EBSH
Is EBSH undervalued right now?
No: at 44.00 the stock trades 45% above the GLS average fair value of 30.36 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of EBSH and what does it mean?
EBSH 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 EBSH?
30.36 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 Empire Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for EBSH in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does EBSH have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EBSH, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.