Stock fact sheet · data as of
Foresight Financial Group, Inc. (FGFH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is FGFH undervalued?
FGFH closed at 49.89 on 16 Oct 2026, which is 17% above the GLS average fair value of 42.68 from 9 models. 5 of them value the shares below today's price. Our screens read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between GLS Growth (0.6138) and 10 Cap (108.15). 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.
The nightly engine files FGFH under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for FGFH
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 | 27.21 | -45% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 61.23 | +23% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 55.41 | +11% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 13.74 | -72% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.6138 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 108.15 | +117% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 66.97 | +34% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 12.65 | -75% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 38.16 | -24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -288.47 | -678% | 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
Foresight Financial Group, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability FGFH scores 5.1/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 3.5%, ROE 4.6%, ROA 0.5% - with debt at 0.31 times equity and negative free cash flow.
The dividend yield is 1.72% at a payout ratio of 0%; 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 | 5 / 9 | ROIC | 3.5% |
|---|---|---|---|
| GLS Moat | 5.1 / 10 | ROE | 4.6% |
| Debt / equity | 0.31 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 30: No options
No options are listed on Foresight Financial Group, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 30) and the stock is left out of every options screen; 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 $180M, with a beta of 0.11 - 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 | 5 / 25 | -17% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 8 / 15 | moat 5.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $180M cap, beta 0.11 |
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 FGFH 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 Foresight Financial Group, 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 |
|---|---|---|---|---|---|
| PRMY Primary Bank | 37.25 | 34.86 | -7% | 26No options | $180M |
| CPKF Chesapeake Financial Shares, Inc. | 38.51 | 37.43 | -3% | 36No options | $181M |
| FNWD Finward Bancorp | 41.79 | 76.03 | +45% | 39No options | $181M |
| SABK South Atlantic Bancshares, Inc. | 24.00 | 26.99 | +11% | 39No options | $183M |
| PLQC Plains Acquisition Corporation | 68.94 | 94.76 | +27% | 39No options | $178M |
| SBFG SB Financial Group, Inc. | 29.34 | 38.02 | +23% | 39No options | $183M |
| BVFL BV Financial, Inc. | 21.75 | 36.91 | +41% | 39No options | $184M |
| UBAB United Bancorporation of Alabama, Inc. | 60.35 | 135.73 | +56% | 39No options | $184M |
| QNBC QNB Corp. | 45.80 | 35.38 | -29% | 24No options | $185M |
| ECBK ECB Bancorp, Inc. | 19.85 | 54.96 | +64% | 39No options | $173M |
| MNSB MainStreet Bancshares, Inc. | 24.27 | 32.99 | +26% | 39No options | $173M |
| MSWV Main Street Financial Services Corp. | 24.00 | 47.16 | +49% | 39No options | $188M |
⚖ Compare FGFH with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FGFH
Is FGFH undervalued right now?
No: at 49.89 the stock trades 17% above the GLS average fair value of 42.68 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of FGFH and what does it mean?
FGFH 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 FGFH?
42.68 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 Foresight Financial Group, Inc. report earnings next?
No upcoming earnings date is recorded for FGFH in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FGFH have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FGFH, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.