Stock fact sheet · data as of
West Shore Bank Corp. (WSSH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is WSSH undervalued?
WSSH has a margin of safety of 66%: the stock closed at 44.67 on 16 Oct 2026 against a GLS average fair value of 132.73. 7 of the 8 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (13.83) and Graham Growth (242.83). 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.
The nightly engine files WSSH under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for WSSH
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 | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 73.00 | +63% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 242.83 | +444% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 102.53 | +130% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 198.22 | +344% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 152.02 | +240% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 222.82 | +399% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 13.83 | -69% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 56.57 | +27% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -588.69 | -1418% | 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
West Shore Bank Corp. scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. 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. On durability WSSH scores 6.5/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 5.8%, ROE 10.9%, ROA 0.8% - with debt at 0.90 times equity and a free-cash-flow yield of 14.5%.
The dividend yield is 2.10% at a payout ratio of 18%; 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.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 5.8% |
|---|---|---|---|
| GLS Moat | 6.5 / 10 | ROE | 10.9% |
| Debt / equity | 0.90 | ROA | 0.8% |
| Free-cash-flow yield | 14.5% | Payout ratio | 18% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on West Shore Bank Corp. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; 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 $55M, with a beta of 0.04 - 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 | 66% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 10 / 15 | moat 6.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $55M cap, beta 0.04 |
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 WSSH 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 West Shore Bank Corp. 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 |
|---|---|---|---|---|---|
| KEFI Keweenaw Financial Corporation | 48.00 | 79.33 | +39% | 38No options | $55M |
| SSBP SSB Bancorp, Inc. | 25.20 | 59.62 | +58% | 39No options | $55M |
| INFT Infinity Bancorp | 17.90 | 53.82 | +67% | 39No options | $56M |
| BBBK Baker Boyer Bancorp | 41.14 | 64.41 | +36% | 39No options | $54M |
| WDFN Woodlands Financial Services Company | 38.50 | 49.75 | +23% | 39No options | $54M |
| FGFI First Greenwich Financial, Inc. | 20.00 | 17.82 | -12% | 20No options | $54M |
| CIBH CIB Marine Bancshares, Inc. | 39.00 | 44.58 | +13% | 39No options | $53M |
| GVYB Golden Valley Bancshares, Inc. | 24.00 | 27.98 | +14% | 39No options | $53M |
| FFWC FFW Corporation | 53.18 | 73.01 | +27% | 39No options | $58M |
| OSBK Oconee Financial Corporation | 55.00 | 83.54 | +34% | 39No options | $58M |
| NIDB Northeast Indiana Bancorp, Inc. | 24.11 | 37.44 | +36% | 39No options | $58M |
| ESBS ES Bancshares, Inc. | 7.60 | 9.26 | +18% | 39No options | $52M |
⚖ Compare WSSH with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about WSSH
Is WSSH undervalued right now?
By the GLS models, yes: at 44.67 the stock is 66% below the average fair value of 132.73 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of WSSH and what does it mean?
WSSH 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 WSSH?
132.73 per share as of 16 Oct 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 West Shore Bank Corp. report earnings next?
No upcoming earnings date is recorded for WSSH in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does WSSH have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on WSSH, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.