Stock fact sheet · data as of
Oak View Bankshares, Inc. (OAKV): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is OAKV undervalued?
Oak View Bankshares, Inc. (OAKV) closed at 19.00 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 38.98, which puts the price 51% below it. 7 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DCF (3.30) and Graham Growth (121.31). 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 OAKV 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 OAKV
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 | 3.30 | -83% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 29.11 | +53% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 121.31 | +538% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 53.02 | +179% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 70.92 | +273% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 23.18 | +22% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 21.24 | +12% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.15 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 23.57 | +24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -233.54 | -1329% | 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
Oak View Bankshares, Inc. scores only 3 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 OAKV scores 5.3/10 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 4.5%, ROE 12.5%, ROA 0.8% - with debt at 1.75 times equity and negative free cash flow.
The dividend yield is 1.84% 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 | 12.5% |
| Debt / equity | 1.75 | ROA | 0.8% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Oak View Bankshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) 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 1k shares a day on a market cap of $66M, 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 | 25 / 25 | 51% 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 | 1k shares/day, $66M 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 OAKV 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 Oak View Bankshares, 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 |
|---|---|---|---|---|---|
| EQFN Equitable Financial Corp. | 19.90 | 30.68 | +35% | 39No options | $66M |
| HLFN Home Loan Financial Corporation | 46.50 | 136.35 | +66% | 39No options | $66M |
| CLST Catalyst Bancorp, Inc. | 16.75 | 20.94 | +20% | 39No options | $68M |
| PGNN Paragon Financial Solutions, Inc. | 14.15 | 48.31 | +71% | 39No options | $65M |
| HFBK Harford Bank | 44.79 | 96.42 | +54% | 39No options | $68M |
| FFBW FFBW, Inc. | 15.83 | 15.91 | +0% | 39No options | $65M |
| RWCB Redwood Capital Bancorp | 34.61 | 37.73 | +8% | 39No options | $65M |
| STBI Sturgis Bancorp, Inc. | 28.94 | 63.28 | +54% | 39No options | $63M |
| CBAF CITBA Financial Corporation | 46.39 | 98.11 | +53% | 39No options | $70M |
| IBWC IBW Financial Corporation | 97.00 | 25.36 | -283% | 12No options | $63M |
| CEFC Commercial National Financial Corporation | 15.71 | 20.04 | +22% | 39No options | $62M |
| HBSI Highlands Bankshares, Inc. | 47.00 | 78.91 | +40% | 39No options | $62M |
⚖ Compare OAKV with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about OAKV
Is OAKV undervalued right now?
By the GLS models, yes: at 19.00 the stock is 51% below the average fair value of 38.98 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of OAKV and what does it mean?
OAKV 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 OAKV?
38.98 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 Oak View Bankshares, Inc. report earnings next?
No upcoming earnings date is recorded for OAKV in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does OAKV have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on OAKV, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.