Woodsboro Bank (WOBK): fair value, margin of safety and Wheel Score

Is WOBK undervalued?

Woodsboro Bank (WOBK) closed at 82.00 on 5 Nov 2026. The GLS average fair value - the simple average of the 3 valuation models that produced a positive number - is 182.45, which puts the price 55% below it. 1 of the 3 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 average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.

Ranked against every other company we cover, WOBK is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 76, growth score 55, out of 100).

Nine valuation models for WOBK

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

No Piotroski health score is on file for WOBK (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. On durability WOBK scores 6.2/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are high - ROIC 13.2%, ROE 13.8%, ROA 1.0% - with debt at 0.04 times equity and a free-cash-flow yield of 29.2%.

The dividend yield is 0.63% with a payout ratio of 4% - a small yield that leaves most of the earnings in the business.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 32: No options

No options are listed on Woodsboro Bank in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 32, 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 0k shares a day on a market cap of $32M, with a beta of -0.01 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

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 WOBK in the nightly calendar. The shares go ex-dividend on 6 Nov 2026 (0.1500 per share), so a covered call sold before then carries a small early-assignment risk around that date.

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 Woodsboro 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.

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