Stock fact sheet · data as of
TEB Bancorp, Inc (TBBA): fair value, margin of safety and Wheel Score
Ticker symbol TBBA · Financial Services · Banks - Regional · United States · Growth
Is TBBA undervalued?
TBBA closed at 7.85 on 5 Nov 2026, which is 18% above the GLS average fair value of 6.65 from 8 models. 4 of them value the shares below today's price. Our scans read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between DCF (0.2282) and Graham Growth (18.37). 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.
Ranked against every other company we cover, TBBA is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 49, growth score 78, out of 100).
Nine valuation models for TBBA
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 | 0.2282 | -97% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.10 | +16% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 18.37 | +134% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.03 | +2% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 10.54 | +34% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 1.62 | -79% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1.71 | -78% | 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 | 3.57 | -55% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -110.35 | -1506% | 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
TEB Bancorp, Inc scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. 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. A GLS Moat score of 1.7/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.0%, ROE 2.4%, ROA 0.2% - with debt at 0.20 times equity and negative free cash flow.
TEB Bancorp, 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 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 2.0% |
|---|---|---|---|
| GLS Moat | 1.7 / 10 | ROE | 2.4% |
| Debt / equity | 0.20 | ROA | 0.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 13: No options
No options are listed on TEB Bancorp, Inc in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 13, 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 3k shares a day on a market cap of $21M, 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 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 | Fails | trades 18% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 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 $21M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 18% above fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 1.7/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.32, $21M 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 TBBA 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 TEB 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 |
|---|---|---|---|---|---|
| CCYY CCCB Bancorp Inc. | 12.44 | 5.43 | -129% | 15No options | $21M |
| CBHC CBC Holding Company | 28.40 | 4.00 | -609% | 18No options | $21M |
| UNTN United Tennessee Bankshares, Inc. | 27.56 | 38.01 | +27% | 31No options | $20M |
| MSBB Mercer Bancorp, Inc. | 20.00 | 7,153.61 | +100% | 35No options | $20M |
| SICP Silvergate Capital Corporation | 0.6400 | 71.24 | +99% | 27No options | $20M |
| FIBH First Bancshares, Inc. | 38.50 | 20.31 | -90% | 15No options | $21M |
| JTNB JTNB Bancorp, Inc. | 21.15 | 56.50 | +63% | 31No options | $20M |
| TVLF Tennessee Valley Financial Holdings, Inc. | 12.00 | 18.68 | +36% | 33No options | $22M |
| UNIF U & I Financial Corp. | 4.02 | 2.77 | -45% | 10No options | $22M |
| CRZY Crazy Woman Creek Bancorp Incorporated | 36.00 | 64.46 | +44% | 34No options | $19M |
| CIBN Community Investors Bancorp, Inc. | 28.04 | 103.49 | +73% | 30No options | $22M |
| GOVB Gouverneur Bancorp, Inc. | 21.25 | 5.85 | -263% | 15No options | $23M |
⚖ Compare TBBA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about TBBA
Is TBBA undervalued right now?
No: at 7.85 the stock trades 18% above the GLS average fair value of 6.65 (data as of 5 Nov 2026). The margin of safety is negative.
What is the Wheel Score of TBBA and what does it mean?
TBBA 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 TBBA?
6.65 per share as of 5 Nov 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 TEB Bancorp, Inc report earnings next?
No upcoming earnings date is recorded for TBBA in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does TBBA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on TBBA, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.