Stock fact sheet · data as of
Liberty Northwest Bancorp, Inc. (LBNW): fair value, margin of safety and Wheel Score
Ticker symbol LBNW · Financial Services · Banks - Regional · United States · Speculative
Is LBNW undervalued?
At 5.80 (close of 5 Nov 2026), LBNW trades 67% below the GLS average fair value of 17.57. That average comes from 1 models run on the latest filings, and 1 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Liberty Northwest Bancorp, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The average is built from just 1 models (10 Cap) - 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.
The nightly engine files LBNW under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for LBNW
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 | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| 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 | 17.57 | +203% | 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 | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -93.18 | -1707% | 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 LBNW (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. A GLS Moat score of 2.4/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -1.5%, ROE -4.1%, ROA -0.3% - with debt at 1.71 times equity and a free-cash-flow yield of 16.5%.
Liberty Northwest Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
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 | -1.5% |
|---|---|---|---|
| GLS Moat | 2.4 / 10 | ROE | -4.1% |
| Debt / equity | 1.71 | ROA | -0.3% |
| Free-cash-flow yield | 16.5% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 28: No options
No options are listed on Liberty Northwest Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 28, 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 4k shares a day on a market cap of $10M, with a beta of 0.17 - 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 | Fails | speculative (a loss, or a weak Piotroski score) |
| 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 $10M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 67% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.4/10 | |
| 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 0.17, $10M 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 LBNW 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 Liberty Northwest 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 |
|---|---|---|---|---|---|
| CARV Carver Bancorp, Inc. | 1.87 | - | - | 10No options | $10M |
| LWCL Lewis & Clark Bancorp | 10.00 | 80.77 | +88% | 27No options | $11M |
| FSGB 1st Federal Savings Bank of SC, Inc. | 10.57 | 14.85 | +29% | 30No options | $11M |
| FNFI First Niles Financial, Inc. | 10.00 | 20.51 | +51% | 29No options | $11M |
| VERF Versailles Financial Corporation | 32.22 | 32.15 | -0% | 15No options | $11M |
| FCPB First Capital Bancshares, Inc. | 14.75 | 57.39 | +74% | 31No options | $8M |
| SBNY Signature Bank | 0.1800 | 612.25 | +100% | 31No options | $11M |
| UFCP Union Financial Corporation | 2.51 | 1.69 | -49% | 16No options | $8M |
| GLBZ Glen Burnie Bancorp | 4.10 | 1.74 | -136% | 11No options | $12M |
| WCFB WCF Bancorp, Inc. | 6.49 | 0.7357 | -782% | 15No options | $12M |
| USMT US Metro Bancorp, Inc. | 6.15 | 7.94 | +23% | 28No options | $12M |
| SRNN The Southern Banc Company, Inc. | 16.21 | 32.98 | +51% | 33No options | $12M |
⚖ Compare LBNW with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about LBNW
Is LBNW undervalued right now?
By the GLS models, yes: at 5.80 the stock is 67% below the average fair value of 17.57 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of LBNW and what does it mean?
LBNW 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 LBNW?
17.57 per share as of 5 Nov 2026 - the simple average of the 1 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 Liberty Northwest Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for LBNW in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does LBNW have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on LBNW, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.