Wilson Bank Holding Company (WBHC): fair value, margin of safety and Wheel Score

Is WBHC undervalued?

Wilson Bank Holding Company (WBHC) closed at 550.00 on 5 Nov 2026, 363% above the GLS average fair value of 118.74. 9 of the 9 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.

The 9 models disagree widely: DDM gives 19.86 while Payback Time gives 203.40. 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.

Ranked against every other company we cover, WBHC is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 5, growth score 63, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).

Nine valuation models for WBHC

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.

Quality and financial health

On financial health WBHC scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 8.1 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.

Returns on capital are high - ROIC 13.0%, ROE 13.0%, ROA 1.3% - with debt at 0.00 times equity and a free-cash-flow yield of 1.3%.

The dividend yield is 0.25% with a payout ratio of 2% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Brokerage Income 48%, Service Charges on Deposits 43%, Other Non interest income 10% (fiscal year FY2025).

Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 21 Oct 2026.

Wheel Score 21: No options

WBHC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (21 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 $6.8B, with a beta of 3.27 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.

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 WBHC 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 Wilson Bank Holding Company 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.

⚖ Compare WBHC with 7 of them   All Financial Services stocks →