Stock fact sheet · data as of
Summit Bank Group, Inc. (SBKO): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is SBKO undervalued?
SBKO has a margin of safety of 51%: the stock closed at 24.50 on 16 Oct 2026 against a GLS average fair value of 50.31. 5 of the 8 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between Lynch (2.98) and Payback Time (112.43). 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 SBKO under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for SBKO
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 | 55.65 | +127% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 29.01 | +18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 23.85 | -3% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.98 | -88% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 69.10 | +182% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 85.42 | +249% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 112.43 | +359% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 24.08 | -2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -132.68 | -642% | 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
Summit Bank Group, Inc. scores only 4 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 SBKO scores 6.7/10 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 moderate - ROIC 9.7%, ROE 11.5%, ROA 1.1% - with debt at 0.19 times equity and negative free cash flow.
Summit Bank Group, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 9.7% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 11.5% |
| Debt / equity | 0.19 | ROA | 1.1% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Summit Bank Group, 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 0k shares a day on a market cap of $191M, with a beta of 0.28 - 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 | 9 / 20 | Piotroski 4/9 | |
| Moat | 10 / 15 | moat 6.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $191M cap, beta 0.28 |
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
Summit Bank Group, Inc. reports earnings on 21 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 Summit Bank Group, 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 |
|---|---|---|---|---|---|
| TYFG Tri-County Financial Group, Inc. | 80.00 | 93.07 | +14% | 39No options | $191M |
| INBC InBankshares, Corp | 15.95 | 12.97 | -23% | 26No options | $191M |
| LARK Landmark Bancorp, Inc. | 31.55 | 42.44 | +26% | 39No options | $192M |
| BMBN Benchmark Bankshares, Inc. | 43.33 | 124.21 | +65% | 39No options | $193M |
| MSWV Main Street Financial Services Corp. | 24.00 | 47.16 | +49% | 39No options | $188M |
| CBFV CB Financial Services, Inc. | 38.18 | 33.49 | -14% | 31No options | $194M |
| QNBC QNB Corp. | 45.80 | 35.38 | -29% | 24No options | $185M |
| UBAB United Bancorporation of Alabama, Inc. | 60.35 | 135.73 | +56% | 39No options | $184M |
| BVFL BV Financial, Inc. | 21.75 | 36.91 | +41% | 39No options | $184M |
| SBFG SB Financial Group, Inc. | 29.34 | 38.02 | +23% | 39No options | $183M |
| PSBQ PSB Holdings, Inc. | 49.60 | 49.29 | -1% | 39No options | $199M |
| CSBB CSB Bancorp, Inc. | 75.99 | 90.45 | +16% | 39No options | $200M |
⚖ Compare SBKO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SBKO
Is SBKO undervalued right now?
By the GLS models, yes: at 24.50 the stock is 51% below the average fair value of 50.31 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SBKO and what does it mean?
SBKO 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 SBKO?
50.31 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 Summit Bank Group, Inc. report earnings next?
The next earnings report is due on 21 Oct 2026 (before the open), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does SBKO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SBKO, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.