Stock fact sheet · data as of
Steele Bancorp Inc. (STLE): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is STLE undervalued?
Steele Bancorp Inc. (STLE) closed at 46.66 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 205.00, which puts the price 77% below it. 8 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.
The 9 models disagree widely: DDM gives 22.22 while GLS Growth gives 528.53. 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 STLE under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for STLE
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 | 146.83 | +215% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 84.25 | +81% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 493.83 | +958% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 215.83 | +363% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 528.53 | +1033% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 95.52 | +105% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 162.10 | +247% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 22.22 | -52% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 95.93 | +106% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -267.21 | -673% | 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 average - STLE passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 8.0 out of 10, built from ten years of revenue, earnings, margins, cash flow, share count and returns on capital scored for consistency - a high reading that points to a durable business.
Returns on capital are high - ROIC 16.9%, ROE 19.3%, ROA 1.8% - with debt at 0.14 times equity and a free-cash-flow yield of 8.8%.
The dividend yield is 3.24% at a payout ratio of 17%; 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. Revenue comes mainly from Credit and Debit Card 35%, Trust 28%, Deposit Account 20% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 16.9% |
|---|---|---|---|
| GLS Moat | 8.0 / 10 | ROE | 19.3% |
| Debt / equity | 0.14 | ROA | 1.8% |
| Free-cash-flow yield | 8.8% | Payout ratio | 17% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
STLE 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" (39 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 $159M, 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 | 25 / 25 | 77% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 12 / 15 | moat 8.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $159M 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 STLE 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 Steele 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 |
|---|---|---|---|---|---|
| WRIV White River Bancshares Co. | 32.65 | 31.33 | -4% | 39No options | $159M |
| TYCB Calvin B. Taylor Bankshares, Inc. | 60.00 | 139.25 | +57% | 39No options | $158M |
| EMYB Embassy Bancorp, Inc. | 21.34 | 38.11 | +44% | 39No options | $158M |
| CNBW CNB Corp. | 97.00 | 50.41 | -92% | 24No options | $161M |
| SLBK Skyline Bankshares, Inc. | 28.69 | 68.60 | +58% | 39No options | $163M |
| DIMC Dimeco, Inc. | 64.03 | 135.90 | +53% | 39No options | $163M |
| BKGM BankGuam Holding Co. | 9,000.00 | 32,944.53 | +73% | 39No options | $164M |
| MNAT Marquette National Corporation | 37.30 | 73.23 | +49% | 39No options | $164M |
| ARBV American Riviera Bancorp | 28.49 | 28.44 | -0% | 37No options | $164M |
| AMBK American Bank Incorporated | 24.23 | 26.35 | +8% | 38No options | $154M |
| SFIGA STAR Financial Group, Inc. | 59.58 | 196.21 | +70% | 39No options | $165M |
| EBMT Eagle Bancorp Montana, Inc. | 20.68 | 26.35 | +22% | 39No options | $165M |
⚖ Compare STLE with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about STLE
Is STLE undervalued right now?
By the GLS models, yes: at 46.66 the stock is 77% below the average fair value of 205.00 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of STLE and what does it mean?
STLE 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 STLE?
205.00 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 Steele Bancorp Inc. report earnings next?
No upcoming earnings date is recorded for STLE in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does STLE have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on STLE, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.