Honat Bancorp, Inc. (HONT): fair value, margin of safety and Wheel Score

Is HONT undervalued?

Honat Bancorp, Inc. (HONT) closed at 150.00 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 220.02, which puts the price 32% below it. 7 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.

There is a wide gap between DDM (44.14) and Graham Growth (337.59). 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.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for HONT, so the nightly engine files it under Blend (value score 63, growth score 74, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).

Nine valuation models for HONT

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.

Quality and financial health

Honat Bancorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 7.8/10 puts HONT among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.

Returns on capital are moderate - ROIC 10.7%, ROE 11.0%, ROA 1.5% - with debt at 0.03 times equity and negative free cash flow.

The dividend yield is 2.00% 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.

Wheel Score 37: No options

No options are listed on Honat Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 37, under 70) and is left out of every options scan; 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 $215M, with a beta of 0.10 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

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 HONT in the nightly calendar. The shares go ex-dividend on 13 Nov 2026 (0.9000 per share), so a covered call sold before then carries a small early-assignment risk around that date.

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 Honat 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.

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