Stock fact sheet · data as of
Wilson Bank Holding Company (WBHC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is WBHC undervalued?
Wilson Bank Holding Company (WBHC) closed at 550.00 on 16 Oct 2026, 363% above the GLS average fair value of 118.88. 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.
The nightly engine files WBHC under Blend.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 89.80 | -84% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 87.20 | -84% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 192.86 | -65% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 69.83 | -87% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 151.15 | -73% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 180.52 | -67% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 203.40 | -63% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.86 | -96% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 75.28 | -86% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -400.38 | -173% | 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
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 7.1 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
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.
| Piotroski F-score | 7 / 9 | ROIC | 13.0% |
|---|---|---|---|
| GLS Moat | 7.1 / 10 | ROE | 13.0% |
| Debt / equity | 0.00 | ROA | 1.3% |
| Free-cash-flow yield | 1.3% | Payout ratio | 2% |
| Institutions | 5 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 32: 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; the Wheel Score is capped at 39 and shown as "No options" (32 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 3.13 - 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 gives that 5 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -363% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 11 / 15 | moat 7.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 5 / 20 | 0k shares/day, $6.8B cap, beta 3.13 |
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 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| VLY Valley National Bancorp | 12.41 | 20.97 | +41% | 83Prime | $6.9B |
| VLYPN Valley National Bancorp | 24.84 | 32.95 | +25% | 39No options | $6.9B |
| UBSI United Bankshares, Inc. | 45.78 | 48.91 | +6% | 79Good | $6.2B |
| GGAL Grupo Financiero Galicia S.A. | 36.47 | 6,568.17 | +99% | 79Good | $6.2B |
| FNB F.N.B. Corporation | 17.16 | 30.99 | +45% | 88Prime | $6.1B |
| BOKF BOK Financial Corporation | 125.00 | 224.10 | +44% | 83Prime | $7.6B |
| IFS Intercorp Financial Services Inc. | 54.31 | 201.99 | +73% | 39No options | $6.0B |
| HWC Hancock Whitney Corporation | 73.03 | 83.87 | +13% | 76Good | $5.9B |
| HWCPZ Hancock Whitney Corporation - 6 | 20.88 | 49.31 | +58% | 39No options | $5.9B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.90 | 5,904.36 | +100% | 39No options | $5.8B |
| WAL Western Alliance Bancorporation | 72.22 | 147.19 | +51% | 82Prime | $7.9B |
| HOMB Home Bancshares, Inc. | 28.87 | 29.54 | +2% | 76Good | $5.8B |
⚖ Compare WBHC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about WBHC
Is WBHC undervalued right now?
No: at 550.00 the stock trades 363% above the GLS average fair value of 118.88 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of WBHC and what does it mean?
WBHC 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 WBHC?
118.88 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 Wilson Bank Holding Company report earnings next?
No upcoming earnings date is recorded for WBHC in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does WBHC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on WBHC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.