Stock fact sheet · data as of
Pontiac Bancorp, Inc. (PONT): fair value, margin of safety and Wheel Score
Ticker symbol PONT · Financial Services · Banks - Regional · United States · Blend
Is PONT undervalued?
At 685.00 (close of 5 Nov 2026), PONT trades 16% under the GLS average fair value of 811.82. 1 of the 3 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS scan; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for PONT, so the nightly engine files it under Blend (value score 49, growth score 68, out of 100).
Nine valuation models for PONT
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 | 488.19 | -29% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 1,731.70 | +153% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 215.56 | -69% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -4,550.40 | -764% | 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
No Piotroski health score is on file for PONT (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. On durability PONT scores 7.3/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 9.8%, ROE 11.2%, ROA 1.3% - with debt at 0.14 times equity and a free-cash-flow yield of 12.5%.
The dividend yield is 2.14% at a payout ratio of 18%; 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 | - / 9 | ROIC | 9.8% |
|---|---|---|---|
| GLS Moat | 7.3 / 10 | ROE | 11.2% |
| Debt / equity | 0.14 | ROA | 1.3% |
| Free-cash-flow yield | 12.5% | Payout ratio | 18% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 27: No options
No options are listed on Pontiac Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 27, under 70) and is left out of every options scan; 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 $142M, with a beta of -0.25 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $142M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Fair | 16% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.3/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.25, $142M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PONT 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 Pontiac 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 |
|---|---|---|---|---|---|
| PBCO PBCO Financial Corporation | 27.95 | 23.60 | -18% | 19No options | $142M |
| FMBN Farmers & Merchants Bancshares, Inc. | 42.70 | 90.11 | +53% | 28No options | $141M |
| FFDF FFD Financial Corporation | 49.75 | 76.73 | +35% | 35No options | $145M |
| SFDL Security Federal Corporation | 46.80 | 60.62 | +23% | 32No options | $145M |
| HYNE Hoyne Bancorp, Inc. Common Stock | 18.62 | 0.8649 | -2053% | 16No options | $139M |
| SRBK SR Bancorp, Inc. Common stock | 19.04 | 30.52 | +38% | 32No options | $139M |
| CCNB Coastal Carolina Bancshares, Inc. | 18.19 | 38.26 | +52% | 31No options | $137M |
| CBBI CBB Bancorp, Inc. | 13.85 | 51.21 | +73% | 33No options | $147M |
| LSBK Lake Shore Bancorp, Inc. | 18.98 | 22.00 | +14% | 29No options | $148M |
| MGYR Magyar Bancorp, Inc. | 23.00 | 50.63 | +55% | 33No options | $148M |
| BLHK Blueharbor Bank | 50.49 | 105.15 | +52% | 31No options | $149M |
| FGBIP First Guaranty Bancshares, Inc. | 18.31 | 58.90 | +69% | 30No options | $151M |
⚖ Compare PONT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PONT
Is PONT undervalued right now?
By the GLS models, moderately: at 685.00 the stock trades 16% below the average fair value of 811.82 (data as of 5 Nov 2026).
What is the Wheel Score of PONT and what does it mean?
PONT has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PONT?
811.82 per share as of 5 Nov 2026 - the simple average of the 3 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 Pontiac Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for PONT in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does PONT have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PONT, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.