Stock fact sheet · data as of
Neffs Bancorp, Inc. (NEFB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is NEFB undervalued?
Neffs Bancorp, Inc. (NEFB) closed at 400.00 on 16 Oct 2026, 92% above the GLS average fair value of 208.83. 8 of the 9 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
There is a wide gap between GLS Growth (56.24) and Graham Number (461.09). 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.
The nightly engine files NEFB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for NEFB
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 | 206.40 | -48% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 461.09 | +15% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 309.99 | -23% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 76.86 | -81% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 56.24 | -86% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 263.22 | -34% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 170.00 | -57% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 122.13 | -69% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 213.49 | -47% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -2,695.44 | -774% | 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
Neffs Bancorp, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. 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. A GLS Moat score of 3.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.6%, ROE 3.9%, ROA 0.6% - with debt at 0.50 times equity and a free-cash-flow yield of 2.2%.
The dividend yield is 2.08% at a payout ratio of 45%; 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 | 2.6% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 3.9% |
| Debt / equity | 0.50 | ROA | 0.6% |
| Free-cash-flow yield | 2.2% | Payout ratio | 45% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 25: No options
No options are listed on Neffs Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 25) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $58M, with a beta of 0.34 - 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 | 0 / 25 | -92% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 3.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $58M cap, beta 0.34 |
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 NEFB in the nightly calendar. The shares go ex-dividend on 30 Oct 2026 (4.15 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 Neffs 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 |
|---|---|---|---|---|---|
| DENI Denali Bancorporation, Inc. | 20.00 | 39.64 | +50% | 39No options | $58M |
| NIDB Northeast Indiana Bancorp, Inc. | 24.11 | 37.44 | +36% | 39No options | $58M |
| OSBK Oconee Financial Corporation | 55.00 | 83.54 | +34% | 39No options | $58M |
| FFWC FFW Corporation | 53.18 | 73.01 | +27% | 39No options | $58M |
| BSPA Ballston Spa Bancorp, Inc. | 80.04 | 20.12 | -298% | 24No options | $59M |
| OTTW Ottawa Bancorp, Inc. | 19.10 | 13.38 | -43% | 27No options | $60M |
| NTBP New Tripoli Bancorp, Inc. | 950.00 | 653.74 | -45% | 13No options | $60M |
| LSFG Lifestore Financial Group, Inc. | 58.65 | 90.03 | +35% | 39No options | $60M |
| NEFBP Neffs Bancorp, Inc. PFD SER A | 400.00 | 199.67 | -100% | 14No options | $61M |
| FMFG Farmers and Merchants Bancshares, Inc. | 18.60 | 23.10 | +19% | 39No options | $61M |
| MBKL MBT Bancshares, Inc. | 30.00 | 88.09 | +66% | 39No options | $61M |
| INFT Infinity Bancorp | 17.90 | 53.82 | +67% | 39No options | $56M |
⚖ Compare NEFB with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about NEFB
Is NEFB undervalued right now?
No: at 400.00 the stock trades 92% above the GLS average fair value of 208.83 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of NEFB and what does it mean?
NEFB 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 NEFB?
208.83 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 Neffs Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for NEFB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does NEFB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on NEFB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.