Stock fact sheet · data as of
Lewis & Clark Bancorp (LWCL): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is LWCL undervalued?
LWCL has a margin of safety of 88%: the stock closed at 9.60 on 16 Oct 2026 against a GLS average fair value of 80.71. 2 of the 7 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 7 models disagree widely: Lynch gives 0.2224 while DDM gives 515.00. 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 LWCL under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for LWCL
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 | 38.60 | +302% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 6.24 | -35% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.8970 | -91% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.2224 | -98% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.40 | -65% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 515.00 | +5265% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 0.6178 | -94% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -266.90 | -2880% | 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 weak: LWCL passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 3.2 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 thin or negative - ROIC 0.1%, ROE 0.2%, ROA 0.0% - with debt at 2.18 times equity and negative free cash flow. Debt of 2.18 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is high at 364.58% (payout ratio 136%) - a payout above 100% of earnings, which is not covered by profits. A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 0.1% |
|---|---|---|---|
| GLS Moat | 3.2 / 10 | ROE | 0.2% |
| Debt / equity | 2.18 | ROA | 0.0% |
| Free-cash-flow yield | -32.9% | Payout ratio | 136% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
LWCL 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" (39 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 $10M, with a beta of 0.15 - 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 | 25 / 25 | 88% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 5 / 15 | moat 3.2/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $10M cap, beta 0.15 |
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 LWCL 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 Lewis & Clark Bancorp 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 |
|---|---|---|---|---|---|
| FNFI First Niles Financial, Inc. | 9.25 | 20.45 | +55% | 39No options | $10M |
| LBNW Liberty Northwest Bancorp, Inc. | 6.00 | 17.57 | +66% | 38No options | $10M |
| FSGB 1st Federal Savings Bank of SC, Inc. | 10.57 | 14.85 | +29% | 39No options | $11M |
| WCFB WCF Bancorp, Inc. | 6.11 | 0.7357 | -730% | 22No options | $11M |
| VERF Versailles Financial Corporation | 27.25 | 30.76 | +11% | 39No options | $12M |
| CARV Carver Bancorp, Inc. | 1.75 | - | - | 27No options | $9M |
| USMT US Metro Bancorp, Inc. | 6.05 | 5.26 | -15% | 29No options | $12M |
| SRNN The Southern Banc Company, Inc. | 16.50 | 31.93 | +48% | 39No options | $13M |
| UFCP Union Financial Corporation | 2.51 | 1.69 | -49% | 22No options | $8M |
| FCPB First Capital Bancshares, Inc. | 14.33 | 56.75 | +75% | 39No options | $8M |
| ASCN Absecon Bancorp | 121.00 | 159.73 | +24% | 39No options | $13M |
| GLBZ Glen Burnie Bancorp | 4.57 | 1.90 | -141% | 14No options | $13M |
⚖ Compare LWCL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about LWCL
Is LWCL undervalued right now?
By the GLS models, yes: at 9.60 the stock is 88% below the average fair value of 80.71 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of LWCL and what does it mean?
LWCL 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 LWCL?
80.71 per share as of 16 Oct 2026 - the simple average of the 7 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 Lewis & Clark Bancorp report earnings next?
No upcoming earnings date is recorded for LWCL in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does LWCL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on LWCL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.