Stock fact sheet · data as of
First Berlin Bancorp, Inc. (FTFI): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is FTFI undervalued?
FTFI has a margin of safety of 54%: the stock closed at 37.90 on 16 Oct 2026 against a GLS average fair value of 82.64. 8 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.
There is a wide gap between DDM (5.15) and Payback Time (152.72). 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 FTFI 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 FTFI
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 | 45.75 | +21% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 53.10 | +40% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 148.93 | +293% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 59.55 | +57% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 120.20 | +217% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 114.94 | +203% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 152.72 | +303% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.15 | -86% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 43.43 | +15% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -192.19 | -607% | 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
First Berlin Bancorp, Inc. scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 8.0/10 puts FTFI among the more durable businesses we track: over ten years the metrics the score watches (revenue, EPS, book value, margins, cash flow, ROIC) have mostly moved the right way, year after year.
Returns on capital are moderate - ROIC 8.2%, ROE 13.2%, ROA 1.5% - with debt at 0.62 times equity and negative free cash flow.
The dividend yield is 0.92% with a payout ratio of 0% - 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 | 8.2% |
|---|---|---|---|
| GLS Moat | 8.0 / 10 | ROE | 13.2% |
| Debt / equity | 0.62 | ROA | 1.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on First Berlin Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) 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 1k shares a day on a market cap of $99M, with a beta of -0.03 - 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 | 54% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 12 / 15 | moat 8.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $99M cap, beta -0.03 |
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 FTFI 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 First Berlin Bancorp, 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 |
|---|---|---|---|---|---|
| ORBN Oregon Bancorp, Inc. | 40.10 | 18.47 | -117% | 18No options | $99M |
| BKSC Bank of South Carolina Corporation | 18.67 | 37.75 | +51% | 39No options | $100M |
| CITZ Citizens Bancshares Corp. | 48.05 | 126.38 | +62% | 39No options | $100M |
| NACB National Capital Bancorp, Inc. | 87.40 | 87.44 | +0% | 33No options | $101M |
| CBKM Consumers Bancorp, Inc. | 31.90 | 24.08 | -32% | 28No options | $101M |
| CYVF Crystal Valley Financial Corporation | 80.50 | 135.40 | +41% | 39No options | $101M |
| PNBK Patriot National Bancorp, Inc. | 0.8563 | 2.10 | +59% | 39No options | $102M |
| SEBC Southeastern Banking Corporation | 32.00 | 41.96 | +24% | 39No options | $102M |
| JBTC JBT Bancorp Inc. | 42.06 | 87.63 | +52% | 39No options | $102M |
| UWHR Uwharrie Capital Corp | 14.55 | 30.07 | +52% | 39No options | $103M |
| BSFO Bank of San Francisco | 42.99 | 65.41 | +34% | 39No options | $95M |
| STBK Studio Bank | 14.40 | 14.74 | +2% | 25No options | $103M |
⚖ Compare FTFI 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 FTFI
Is FTFI undervalued right now?
By the GLS models, yes: at 37.90 the stock is 54% below the average fair value of 82.64 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FTFI and what does it mean?
FTFI 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 FTFI?
82.64 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 First Berlin Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for FTFI in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does FTFI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FTFI, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.