Stock fact sheet · data as of
Keweenaw Financial Corporation (KEFI): fair value, margin of safety and Wheel Score
Ticker symbol KEFI · Financial Services · Banks - Regional · United States · Blend
Is KEFI undervalued?
Keweenaw Financial Corporation (KEFI) closed at 72.00 on 5 Nov 2026, close to the GLS average fair value of 79.33 (9.2% below fair value). 1 of the 3 models that produced a number sit above the price, 2 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for KEFI, so the nightly engine files it under Blend (value score 45, growth score 63, out of 100).
Nine valuation models for KEFI
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 | 59.65 | -17% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 148.90 | +107% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 29.43 | -59% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -738.45 | -1126% | 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
No Piotroski health score is on file for KEFI (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. On durability KEFI scores 6.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 6.0%, ROE 9.4%, ROA 0.9% - with debt at 0.57 times equity and a free-cash-flow yield of 10.0%.
The dividend yield is 2.78% at a payout ratio of 23%; 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 | - / 9 | ROIC | 6.0% |
|---|---|---|---|
| GLS Moat | 6.4 / 10 | ROE | 9.4% |
| Debt / equity | 0.57 | ROA | 0.9% |
| Free-cash-flow yield | 10.0% | Payout ratio | 23% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 23: No options
No options are listed on Keweenaw Financial Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 23, 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 - a day on a market cap of $83M, with a beta of 0.50 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $83M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 9% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.4/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.50, $83M company |
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 KEFI in the nightly calendar. The shares go ex-dividend on 10 Nov 2026 (0.5200 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 Keweenaw Financial Corporation 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 |
|---|---|---|---|---|---|
| CYFL Century Financial Corporation | 50.10 | 135.37 | +63% | 33No options | $83M |
| FDVA Freedom Financial Holdings, Inc. | 11.60 | 3.69 | -215% | 15No options | $82M |
| CZNL Citizens National Corporation | 85.00 | 69.75 | -22% | 20No options | $83M |
| UBCP United Bancorp, Inc. | 14.34 | 21.91 | +35% | 37No options | $82M |
| SVBT SVB & T Corporation | 75.41 | 130.88 | +42% | 33No options | $83M |
| IBTN InsCorp, Inc. | 28.15 | 14.10 | -100% | 18No options | $82M |
| FRSB First Resource Bancorp Inc. | 27.83 | 77.26 | +64% | 31No options | $84M |
| ASRV AmeriServ Financial, Inc. | 4.77 | 4.01 | -19% | 30Weak | $81M |
| JUVF Juniata Valley Financial Corp. | 16.00 | 23.24 | +31% | 35No options | $81M |
| MNMB Merchants & Marine Bancorp, Inc. | 60.00 | 156.76 | +62% | 31No options | $80M |
| CPBI Central Plains Bancshares, Inc. Common Stock | 20.63 | 37.25 | +45% | 33No options | $86M |
| FBTT First Bankers Trustshares, Inc. | 26.50 | 40.44 | +34% | 27No options | $79M |
⚖ Compare KEFI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about KEFI
Is KEFI undervalued right now?
Not meaningfully: at 72.00 the stock trades within a few percent of the GLS average fair value of 79.33 (9.2% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of KEFI and what does it mean?
KEFI has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for KEFI?
79.33 per share as of 5 Nov 2026 - the simple average of the 3 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 Keweenaw Financial Corporation report earnings next?
No upcoming earnings date is recorded for KEFI in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does KEFI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on KEFI, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.