Stock fact sheet · data as of
Mauch Chunk Trust Financial Corp. (MCHT): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is MCHT undervalued?
MCHT closed at 9.40 on 16 Oct 2026 against a GLS average fair value of 9.05 - 3.9% above fair value, which our screens read as "fairly priced". 2 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
The 9 models disagree widely: GLS Growth gives 0.7379 while 10 Cap gives 36.39. 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 MCHT 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 MCHT
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 | 3.22 | -66% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 4.64 | -51% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 7.21 | -23% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.79 | -81% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.7379 | -92% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 36.39 | +287% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 20.10 | +114% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.35 | -75% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 4.97 | -47% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -178.68 | -2001% | 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: MCHT 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 5.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are thin or negative - ROIC 4.5%, ROE 54.8%, ROA 0.2% - with debt at 11.16 times equity and negative free cash flow. Debt of 11.16 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 1.70% 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 | 3 / 9 | ROIC | 4.5% |
|---|---|---|---|
| GLS Moat | 5.3 / 10 | ROE | 54.8% |
| Debt / equity | 11.16 | ROA | 0.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 31: No options
MCHT 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" (31 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $31M, with a beta of -0.14 - 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 | 11 / 25 | -4% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 8 / 15 | moat 5.3/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 2k shares/day, $31M cap, beta -0.14 |
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 MCHT 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 Mauch Chunk Trust Financial 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 |
|---|---|---|---|---|---|
| PCLB Pinnacle Bancshares, Inc. | 35.00 | 85.02 | +59% | 39No options | $31M |
| WVFC WVS Financial Corp. | 19.00 | 24.31 | +22% | 39No options | $31M |
| HRBK Harbor Bankshares Corporation | 26.32 | 28.94 | +9% | 39No options | $32M |
| WOBK Woodsboro Bank | 81.00 | 182.45 | +56% | 39No options | $32M |
| SOUB SouthPoint Bancshares, Inc. | 10.25 | 108.41 | +91% | 39No options | $30M |
| PPAL Peoples Trust Company of St. Albans | 60.10 | 201.59 | +70% | 39No options | $33M |
| CBFC CNB Financial Services, Inc. | 80.00 | 226.68 | +65% | 39No options | $30M |
| CNBZ CNB Corporation | 27.00 | 59.61 | +55% | 39No options | $33M |
| JFWV JSB Financial Inc. | 128.45 | 273.16 | +53% | 39No options | $33M |
| CDAB Coeur d'Alene Bancorp, Inc. | 15.60 | 15.62 | +0% | 39No options | $30M |
| ELMA Elmer Bancorp, Inc. | 25.60 | 53.09 | +52% | 39No options | $29M |
| EBSH Empire Bancshares, Inc. | 44.00 | 30.36 | -45% | 14No options | $29M |
⚖ Compare MCHT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MCHT
Is MCHT undervalued right now?
Not meaningfully: at 9.40 the stock trades within a few percent of the GLS average fair value of 9.05 (3.9% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of MCHT and what does it mean?
MCHT 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 MCHT?
9.05 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 Mauch Chunk Trust Financial Corp. report earnings next?
No upcoming earnings date is recorded for MCHT in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does MCHT have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MCHT, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.