Stock fact sheet · data as of
Katahdin Bankshares Corp. (KTHN): fair value, margin of safety and Wheel Score
Ticker symbol KTHN · Financial Services · Banks - Regional · United States · Blend
Is KTHN undervalued?
Katahdin Bankshares Corp. (KTHN) closed at 40.50 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 50.28, so the price sits 19% below it. 5 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
There is a wide gap between DDM (13.13) and 10 Cap (89.17). 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 KTHN, so the nightly engine files it under Blend (value score 61, growth score 69, out of 100).
Nine valuation models for KTHN
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 | 59.26 | +46% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 51.37 | +27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 60.17 | +49% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.59 | -62% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 38.75 | -4% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 89.17 | +120% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 85.41 | +111% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 13.13 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 39.68 | -2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -308.48 | -862% | 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
Katahdin Bankshares Corp. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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 KTHN scores 6.6/10 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 8.0%, ROE 10.3%, ROA 1.0% - with debt at 0.29 times equity and negative free cash flow.
The dividend yield is 2.20% 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 | 6 / 9 | ROIC | 8.0% |
|---|---|---|---|
| GLS Moat | 6.6 / 10 | ROE | 10.3% |
| 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 30: No options
No options are listed on Katahdin Bankshares Corp. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 30, 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 1k shares a day on a market cap of $129M, 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 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 $129M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Good | 19% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.6/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.11, $129M 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 KTHN 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 Katahdin Bankshares Corp. 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 |
|---|---|---|---|---|---|
| CZBS Citizens Bancshares Corporation | 72.13 | 135.70 | +47% | 34No options | $126M |
| BORT Bank of Botetourt | 63.52 | 112.99 | +44% | 33No options | $125M |
| FKYS First Keystone Corporation | 19.14 | 18.60 | -3% | 17No options | $125M |
| PPBN Pinnacle Bankshares Corporation | 61.35 | 69.13 | +11% | 24No options | $133M |
| SOMC Southern Michigan Bancorp, Inc. | 29.70 | 52.14 | +43% | 33No options | $134M |
| OXBC Oxford Bank Corporation | 50.10 | 98.54 | +49% | 31No options | $124M |
| CMHF Community Heritage Financial, Inc. | 41.80 | 41.42 | -1% | 16No options | $123M |
| JFBC Jeffersonville Bancorp | 29.00 | 55.42 | +48% | 31No options | $123M |
| WSBK Winchester Bancorp, Inc. Common Stock | 13.64 | 11.78 | -16% | 18No options | $122M |
| NMBF Nmb Financial Corp | 22.85 | 35.13 | +35% | 31No options | $122M |
| MPCB Mountain Pacific Bancorp Inc | 17.35 | 54.88 | +68% | 35No options | $121M |
| RVSB Riverview Bancorp, Inc. | 6.13 | 7.03 | +13% | 38Weak | $121M |
⚖ Compare KTHN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about KTHN
Is KTHN undervalued right now?
By the GLS models, moderately: at 40.50 the stock trades 19% below the average fair value of 50.28 (data as of 5 Nov 2026).
What is the Wheel Score of KTHN and what does it mean?
KTHN 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 KTHN?
50.28 per share as of 5 Nov 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 Katahdin Bankshares Corp. report earnings next?
No upcoming earnings date is recorded for KTHN in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does KTHN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on KTHN, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.