Stock fact sheet · data as of
Neffs Bancorp, Inc. PFD SER A (NEFBP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is NEFBP undervalued?
NEFBP closed at 400.00 on 16 Oct 2026, more than 30% above the GLS average fair value of 199.67. Only 1 of the 8 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
There is a wide gap between GLS Growth (5.19) 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 NEFBP 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 NEFBP
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 | 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 | 5.19 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 263.29 | -34% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 145.28 | -64% | 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) | -2,599.37 | -750% | 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. PFD SER A scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability NEFBP scores 5.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 2.6%, ROE 3.9%, ROA 0.6% - with debt at 0.53 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 | 0 / 9 | ROIC | 2.6% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 3.9% |
| Debt / equity | 0.53 | ROA | 0.6% |
| Free-cash-flow yield | 2.2% | Payout ratio | 45% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 14: No options
No options are listed on Neffs Bancorp, Inc. PFD SER A in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 14) 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 $61M, with a beta of -0.29 - 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 | -100% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $61M cap, beta -0.29 |
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 NEFBP 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. PFD SER A 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 |
|---|---|---|---|---|---|
| FMFG Farmers and Merchants Bancshares, Inc. | 18.60 | 23.10 | +19% | 39No options | $61M |
| LSFG Lifestore Financial Group, Inc. | 58.65 | 90.03 | +35% | 39No options | $60M |
| MBKL MBT Bancshares, Inc. | 30.00 | 88.09 | +66% | 39No options | $61M |
| NTBP New Tripoli Bancorp, Inc. | 950.00 | 653.74 | -45% | 13No options | $60M |
| BAOB The Baraboo Bancorporation, Inc. | 6.99 | 8.52 | +18% | 39No options | $62M |
| OTTW Ottawa Bancorp, Inc. | 19.10 | 13.38 | -43% | 27No options | $60M |
| BSPA Ballston Spa Bancorp, Inc. | 80.04 | 20.12 | -298% | 24No options | $59M |
| HBSI Highlands Bankshares, Inc. | 47.00 | 78.91 | +40% | 39No options | $62M |
| CEFC Commercial National Financial Corporation | 15.71 | 20.04 | +22% | 39No options | $62M |
| IBWC IBW Financial Corporation | 97.00 | 25.36 | -283% | 12No options | $63M |
| STBI Sturgis Bancorp, Inc. | 28.94 | 63.28 | +54% | 39No options | $63M |
| NEFB Neffs Bancorp, Inc. | 400.00 | 208.83 | -92% | 25No options | $58M |
⚖ Compare NEFBP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about NEFBP
Is NEFBP undervalued right now?
No: at 400.00 the stock trades 100% above the GLS average fair value of 199.67 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of NEFBP and what does it mean?
NEFBP 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 NEFBP?
199.67 per share as of 16 Oct 2026 - the simple average of the 8 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. PFD SER A report earnings next?
No upcoming earnings date is recorded for NEFBP in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does NEFBP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on NEFBP, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.