Stock fact sheet · data as of
Studio Bank (STBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is STBK undervalued?
Studio Bank (STBK) closed at 14.40 on 16 Oct 2026, close to the GLS average fair value of 14.74 (2.3% below fair value). 4 of the 8 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 8 models disagree widely: Payback Time gives 4.58 while Graham Growth gives 39.51. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files STBK 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 STBK
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 | 15.77 | +10% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 16.16 | +12% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 39.51 | +174% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.25 | +13% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 8.14 | -43% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 7.15 | -50% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 4.58 | -68% | 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 | 10.34 | -28% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -150.73 | -1147% | 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
Financial health is weak: STBK passes 0 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 4.0 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 3.8%, ROE 7.6%, ROA 0.5% - with debt at 1.00 times equity and negative free cash flow.
Studio Bank 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 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 3.8% |
|---|---|---|---|
| GLS Moat | 4.0 / 10 | ROE | 7.6% |
| Debt / equity | 1.00 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 25: No options
STBK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (25 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $103M, with a beta of 0.32 - 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 | 13 / 25 | 2% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 6 / 15 | moat 4.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $103M cap, beta 0.32 |
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 STBK 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 Studio Bank 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 |
|---|---|---|---|---|---|
| UWHR Uwharrie Capital Corp | 14.55 | 30.07 | +52% | 39No options | $103M |
| PPLL Peoples Ltd. | 57.20 | 76.30 | +25% | 39No options | $104M |
| CNBB CNB Community Bancorp, Inc. | 51.40 | 84.39 | +39% | 39No options | $104M |
| JBTC JBT Bancorp Inc. | 42.06 | 87.63 | +52% | 39No options | $102M |
| PBHC Pathfinder Bancorp, Inc. | 16.70 | 53.78 | +69% | 39No options | $105M |
| SEBC Southeastern Banking Corporation | 32.00 | 41.96 | +24% | 39No options | $102M |
| PNBK Patriot National Bancorp, Inc. | 0.8563 | 2.10 | +59% | 39No options | $102M |
| WBBW Westbury Bancorp, Inc. | 42.00 | 68.10 | +38% | 39No options | $105M |
| BNCC BNCCORP, Inc. | 29.99 | 53.47 | +44% | 39No options | $106M |
| CYVF Crystal Valley Financial Corporation | 80.50 | 135.40 | +41% | 39No options | $101M |
| CBKM Consumers Bancorp, Inc. | 31.90 | 24.08 | -32% | 28No options | $101M |
| NACB National Capital Bancorp, Inc. | 87.40 | 87.44 | +0% | 33No options | $101M |
⚖ Compare STBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about STBK
Is STBK undervalued right now?
Not meaningfully: at 14.40 the stock trades within a few percent of the GLS average fair value of 14.74 (2.3% below fair value, data as of 16 Oct 2026).
What is the Wheel Score of STBK and what does it mean?
STBK 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 STBK?
14.74 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 Studio Bank report earnings next?
No upcoming earnings date is recorded for STBK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does STBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on STBK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.