Stock fact sheet · data as of
JD Bancshares, Inc. (JDVB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is JDVB undervalued?
At 42.91 (close of 16 Oct 2026), JDVB trades within a few percent of the GLS average fair value of 39.25 (9.3% above fair value). 9 models produced a value and they split 5 above the price to 4 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 9 models disagree widely: Lynch gives 7.45 while 10 Cap gives 65.28. 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 JDVB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for JDVB
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 | 50.05 | +17% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.25 | +22% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 46.78 | +9% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 7.45 | -83% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 35.48 | -17% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 65.28 | +52% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 34.95 | -19% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 17.95 | -58% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 43.06 | +0% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -313.38 | -830% | 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 average - JDVB passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.8 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are moderate - ROIC 9.7%, ROE 12.5%, ROA 1.0% - with debt at 0.29 times equity and negative free cash flow.
The dividend yield is 2.84% 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 | 9.7% |
|---|---|---|---|
| GLS Moat | 4.8 / 10 | ROE | 12.5% |
| Debt / equity | 0.29 | ROA | 1.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 33: No options
JDVB 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" (33 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 $147M, with a beta of -0.09 - 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 | 9 / 25 | -9% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.8/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $147M cap, beta -0.09 |
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 JDVB 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 JD 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 |
|---|---|---|---|---|---|
| FMBM F & M Bank Corp. | 40.85 | 62.17 | +34% | 39No options | $147M |
| FSRL First Reliance Bancshares, Inc. | 18.85 | 26.77 | +30% | 39No options | $149M |
| FINW FinWise Bancorp | 10.75 | 23.10 | +53% | 39No options | $149M |
| BCBP BCB Bancorp, Inc. | 8.31 | 18.20 | +54% | 45Weak | $144M |
| CBBI CBB Bancorp, Inc. | 13.52 | 50.33 | +73% | 39No options | $143M |
| CHBH Croghan Bancshares, Inc. | 71.25 | 90.68 | +21% | 39No options | $143M |
| BLHK Blueharbor Bank | 48.30 | 102.01 | +53% | 39No options | $143M |
| BEOB BEO Bancorp | 62.26 | 174.17 | +64% | 39No options | $151M |
| FMBN Farmers & Merchants Bancshares, Inc. | 43.20 | 89.99 | +52% | 39No options | $143M |
| LSBK Lake Shore Bancorp, Inc. | 18.12 | 21.97 | +18% | 39No options | $142M |
| SFDL Security Federal Corporation | 45.86 | 60.46 | +24% | 39No options | $142M |
| PBCO PBCO Financial Corporation | 27.88 | 22.88 | -22% | 25No options | $141M |
⚖ Compare JDVB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about JDVB
Is JDVB undervalued right now?
Not meaningfully: at 42.91 the stock trades within a few percent of the GLS average fair value of 39.25 (9.3% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of JDVB and what does it mean?
JDVB 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 JDVB?
39.25 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 JD Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for JDVB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does JDVB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on JDVB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.