BEO Bancorp (BEOB) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of BEO Bancorp stock $50.29, price $62.68, that is 19.8% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $16.36 – $110.00 · fair‑value band $38.66 – $78.67 · the $62.68 price screens above the $50.29 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in the United States.
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The company offers checking, money market, time deposits, and savings accounts, as well as time certificates of deposit.
It also provides AG and commercial loan products, such as lines of credit, term loans, and commercial real estate and farmland; home loans, including new home and construction loans, home enhancement loan program, hobby farm loans, and refinancing loans; and installment, credit card, and mortgage loans.
In addition, the company offers internet banking and bill payment services; business sweep services; automated teller machines and safe deposit facilities; and originates and sells mortgage loans into the secondary market. BEO Bancorp was founded in 1945 and is headquartered in Heppner, Oregon.
Stock analysis
BEO Bancorp (BEOB) currently trades at $62.68, while our model-based Fair Value estimate is $50.29, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $70.78 per share, and 1 of the 6 models we run sit above the $62.68 price.
Bear case: the Dividend Discount group reads lowest at $13.08, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $38.66 (bear) to $78.67 (bull), the price of $62.68 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BEO Bancorp reported revenue of $59.3M in FY2025 versus $33.6M in FY2021, a compound +15.3%/yr. Reported net income was $16.2M in FY2025, compounding +23.3%/yr from FY2021.
Key figures
Market cap $158M Micro · P/E ratio 9.5 · P/S ratio 2.95 · EPS (TTM) $6.60 · Dividend yield 1.6% · Net margin 30.3% · Return on equity 18.3% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 43% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −20%, BEOB screens cheaper than that median.
Fair Value models
Bear$38.66Fair Value $50.29Bull$78.67
Price $62.68 · Downside -19.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.82 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+12.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.9%
Start year 2020 (pandemic). Over 10 years: +11.6% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+26.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.9%
Dividend (yield on the price)1.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.24.9% vs 18.3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 36%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−19.8% · Below median
Profitability
Return on equity (12 months)18.3% · Top 25%
Return on assets1.7% · Top 25%
Net margin (12 months)30.3% · Above median
Operating margin (12 months)18.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−2.7% · Bottom 25%
Dividend yield (12 months)1.6% · Below median
Balance sheet
Debt / equity0.10× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)9.5× · Cheaper than median
P/B1.64× · Priciest 25%
P/S (12 months)2.95× · Cheaper than median
Price / free cash flow (fiscal year)10.8× · Cheaper than median
EV/EBITDA7.2× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)7· sector 7
FUTURE (revenue growth)0· sector 47
PAST (return on equity)73· sector 43
HEALTH (low debt)–
DIVIDEND (yield)32· sector 52
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BEO Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/BEOB
Frequently asked questions
Is BEO Bancorp (BEOB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $50.29 versus a price of $62.68, about 20% lower (overvalued).
What is the fair value of BEOB?
Our model-based fair value for BEO Bancorp is $50.29 (as of Nov 8, 2026), built from audited fundamentals. The current price: $62.68.
What is the quality score of BEOB?
BEO Bancorp has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BEO Bancorp (BEOB)?
Our model-based price target is the fair value of $50.29 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $38.66, optimistic scenario $78.67. It is a calculation from audited fundamentals, not an analyst target.
What is the BEO Bancorp stock forecast for 2026?
Our models put fair value at $50.29, about 20% lower versus a price of $62.68 (overvalued). Cautious scenario $38.66, optimistic scenario $78.67. The calculation is refreshed regularly with new filings.
What is the revenue of BEO Bancorp (BEOB)?
BEO Bancorp reported trailing-twelve-month revenue of about $53.5M (latest available figure, as of Nov 8, 2026).
Does BEO Bancorp pay a dividend?
BEO Bancorp currently shows a dividend yield of 1.60% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of BEO Bancorp (BEOB) and when is the ex-dividend date?
BEO Bancorp pays a dividend of $1.00 per share a year, a dividend yield of 1.6%. The last ex-dividend date was Dec 8, 2025. A dividend has been paid every year since 2010. The payout ratio is 15.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of BEO Bancorp (BEOB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BEO Bancorp it is $50.29 per share (as of Nov 8, 2026), against a price of $62.68. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is BEO Bancorp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BEOB trades above its calculated fair value: price $62.68, fair value $50.29, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BEOB?
No. The price is what the market pays today ($62.68); the fair value is what the company's own numbers justify ($50.29). For BEO Bancorp the two are $12.39 per share apart. That gap is exactly why we show both numbers side by side.
How much is BEO Bancorp worth?
The market values BEO Bancorp at about $158M (market capitalisation, as of Nov 8, 2026). Per share that is $62.68; our models calculate a fair value of $50.29 per share.
What do the bullish and bearish scenarios say about BEOB?
Our models span a range for BEO Bancorp: cautious scenario $38.66, base $50.29, optimistic $78.67 per share (as of Nov 8, 2026, price $62.68). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BEOB?
BEO Bancorp trades at a price-to-earnings ratio of 9.5 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $50.29 is built from several models across several years. Other multiples: P/B 1.6, P/S 3.0, EV/EBITDA 7.2.
How solid is the balance sheet of BEO Bancorp (BEOB)?
Balance-sheet figures for BEO Bancorp (as of Nov 8, 2026): return on equity 18.3%, debt of 0.10 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is BEOB from its 52-week high?
BEO Bancorp trades at $62.68, about 43% below its 52-week high of $110.00 and 16% above the low of $53.81 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $50.29 is for.
Which stocks are comparable to BEO Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BEO Bancorp stock attractive at the current price?
The data as of Nov 8, 2026: price $62.68, calculated fair value $50.29 (−20%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BEOB calculated?
We run BEO Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $50.29 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.7% above its aggregate fair value. BEO Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BEO Bancorp (BEOB)?
The closing price on Nov 9, 2026 was $62.68. Our model-based fair value is $50.29, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BEO Bancorp right now?
Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($38.66 to $78.67) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of BEO Bancorp (BEOB) come from?
Earnings per share at BEO Bancorp grew +19.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.3 %, EBIT margin +5.4 %, tax rate +1.0 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of BEO Bancorp
How large is the market capitalisation of BEO Bancorp (BEOB)?
The market capitalisation of BEO Bancorp is $158M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BEO Bancorp (BEOB)?
The price-to-sales ratio of BEO Bancorp is 2.95 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BEO Bancorp (BEOB)?
Earnings per share at BEO Bancorp are $6.60 (price ÷ EPS = P/E 9.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BEO Bancorp (BEOB)?
The dividend yield of BEO Bancorp is 1.6% (payout 15.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of BEO Bancorp (BEOB)?
The net margin of BEO Bancorp is 30.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BEO Bancorp (BEOB)?
The return on equity (ROE) of BEO Bancorp is 18.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BEO Bancorp (BEOB)?
On an EBIT basis the return on assets of BEO Bancorp is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BEO Bancorp (BEOB)?
The operating margin of BEO Bancorp is 18.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BEO Bancorp (BEOB)?
Revenue at BEO Bancorp is growing −2.7% versus a year earlier (3y avg +17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BEO Bancorp (BEOB)?
Earnings per share at BEO Bancorp are growing −32.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BEO Bancorp (BEOB) generate?
The free cash flow of BEO Bancorp is $14.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does BEO Bancorp (BEOB) carry?
The net debt of BEO Bancorp is $3.0M (fiscal year 2025, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 8, 2026