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Bank of Labor Bancshares Inc (BHDB) fair value: what the stock is really worth

As of Oct 22, 2026: fair value (intrinsic value) of Bank of Labor Bancshares Inc stock $216, price $143, upside +51.9%, quality 57 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BO Bank of Labor Bancshares Inc logo Some data Nov 6, 2026

Bank of Labor Bancshares Inc

BHDB · US
Meets all rules

The stock costs 34% less than our calculation considers fair.

Fair value $216.44 · Strongly undervalued
Solidly profitable · 16.6% net margin (FY2025)
Costs just 5.4 times its yearly profit.
Quality 57/100
Mixed Growth (revenue 5y +11.3 %/yr in USD)
Mixed vs. peers (5/11)
Moderate moat 49/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$142.50 $13.07 Fair Value $216.44 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $13.07 – $142.50 · fair‑value band $158.82 – $326.19 · the $142.50 price screens below the $216.44 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Bank of Labor Bancshares, Inc. operates as the bank holding company for Bank of Labor that provides various banking products and services in Kansas. The company accepts checking, money market, savings, zero balance accounts, and insured cash sweep accounts.

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Its loan products include equipment loans, commercial real estate loans, commercial line of credit, emergency loan programs, and paycheck-protection program loans.

The company also offers credit and debit cards; investment solutions comprising national certificate of deposits, investment management, and custodial accounts; and ACH, lock box, merchant, payroll, and online and mobile banking services.

The company was formerly known as Brotherhood Bancshares, Inc. Bank of Labor Bancshares, Inc. was founded in 1924 and is based in Kansas City, Kansas.

Bank of Labor Bancshares, Inc. operates as a subsidiary of International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers and Helpers.

Stock analysis

Bank of Labor Bancshares Inc (BHDB) currently trades at $142.50, while our model-based Fair Value estimate is $216.44, implying the stock looks roughly 34% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $260.95 per share, and 3 of the 6 models we run sit above the $142.50 price.

Bear case: the Dividend Discount group reads lowest at $76.46, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $158.82 (bear) to $326.19 (bull), the price of $142.50 sits below 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 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank of Labor Bancshares Inc reported revenue of $54.8M in FY2025 versus $29.8M in FY2021, a compound +16.5%/yr. Reported net income was $9.1M in FY2025, compounding +26.9%/yr from FY2021.

Key figures

Market cap $48.8M Micro · P/E ratio 5.4 · P/S ratio 0.89 · EPS (TTM) $26.60 · Net margin 16.6% · Return on assets (EBIT) 0.8% (5-year average) · Free cash flow $9.5M · Net cash $106M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 64% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 52%, BHDB screens cheaper than that median.

Fair Value models

Bear $158.82 Fair Value $216.44 Bull $326.19
Price $142.50 · Upside +51.9%
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 ($22.81 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.
Best data coverage
Residual Income $158.82 $216.44 $391.75 72
Gordon GGM $41.71 $81.64 $121.39 67
DDM Multi-Stage $41.71 $71.27 $86.38 67
All 6 models by family
Dividend Discount
Gordon GGM $41.71 $81.64 $121.39 67
DDM Multi-Stage $41.71 $71.27 $86.38 67
Multiples
P/E Multiple $259.32 $345.77 $432.21 63
P/B Multiple $132.10 $176.13 $220.16 55
Asset-Based
NCAV (Graham) $62.90 $84.29 $125.81 51
Economic Profit
Residual Income $158.82 $216.44 $391.75 72

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Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 74
Do the profits arrive as real cash?
Financial strength 37
Debt, balance sheet and risk of trouble
Investment 58
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 81
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 92
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.1%
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.
+19.6%
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.
+11.3%
Start year 2020 (pandemic)
Revenue growth 6 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.
+11.7%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+41.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.5%
Dividend (yield on the price)0.0%
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.6% → 22%
2025 sits 100% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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 · 996 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside +51.9% · Top 25%
Profitability
Return on assets 0.9% · Below median
Net margin (12 months) 16.6% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.4× · Cheapest 25%
P/B 1.13× · Cheaper than median
Price / free cash flow (fiscal year) 5.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BHDB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BHDB
BNP Paribas SA BNP €91.93 €106.01 +15% vs BHDB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BHDB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BHDB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BHDB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BHDB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BHDB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BHDB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BHDB

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Bank of Labor Bancshares Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of Labor Bancshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/BHDB

Frequently asked questions

Is Bank of Labor Bancshares Inc (BHDB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $216.44 versus the last price from Oct 22, 2026 of $142.50, about +52% upside (undervalued).
What is the fair value of BHDB?
Our model-based fair value for Bank of Labor Bancshares Inc is $216.44 (as of Nov 6, 2026), built from audited fundamentals. Last price (from Oct 22, 2026): $142.50.
What is the quality score of BHDB?
Bank of Labor Bancshares Inc has a Quality Score of 57/100. 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 Bank of Labor Bancshares Inc (BHDB)?
Our model-based price target is the fair value of $216.44 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $158.82, optimistic scenario $326.19. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of Labor Bancshares Inc stock forecast for 2026?
Our models put fair value at $216.44, about +52% upside versus the last price from Oct 22, 2026 of $142.50 (undervalued). Cautious scenario $158.82, optimistic scenario $326.19. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Bank of Labor Bancshares Inc (BHDB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of Labor Bancshares Inc it is $216.44 per share (as of Nov 6, 2026), against a price of $142.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of Labor Bancshares Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BHDB trades below its calculated fair value: price $142.50, fair value $216.44, a gap of about +52% (undervalued). 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 BHDB?
No. The price is what the market pays today ($142.50); the fair value is what the company's own numbers justify ($216.44). For Bank of Labor Bancshares Inc the two are $73.94 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of Labor Bancshares Inc worth?
The market values Bank of Labor Bancshares Inc at about $48.8M (market capitalisation, as of Nov 6, 2026). Per share that is $142.50; our models calculate a fair value of $216.44 per share.
What do the bullish and bearish scenarios say about BHDB?
Our models span a range for Bank of Labor Bancshares Inc: cautious scenario $158.82, base $216.44, optimistic $326.19 per share (as of Nov 6, 2026, price $142.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BHDB?
Bank of Labor Bancshares Inc trades at a price-to-earnings ratio of 5.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $216.44 is built from several models across several years. Other multiples: P/B 1.1.
How far is BHDB from its 52-week high?
Bank of Labor Bancshares Inc trades at $142.50, at its 52-week high of $142.50 and 64% above the low of $87.15 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $216.44 is for.
Which stocks are comparable to Bank of Labor Bancshares Inc?
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 Bank of Labor Bancshares Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $142.50, calculated fair value $216.44 (+52%), Quality Score 57/100, 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 BHDB calculated?
We run Bank of Labor Bancshares Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $216.44 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 13.3% above its aggregate fair value. Bank of Labor Bancshares Inc currently trades 34% below its own fair value, and the market average says nothing about that. 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 Bank of Labor Bancshares Inc (BHDB)?
The latest price we hold is from Oct 22, 2026 and stands at $142.50. Our model-based fair value is $216.44, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of Labor Bancshares Inc right now?
The price is below even our cautious bear case ($158.82). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($158.82 to $326.19) 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.

Key figures of Bank of Labor Bancshares Inc

How large is the market capitalisation of Bank of Labor Bancshares Inc (BHDB)?
The market capitalisation of Bank of Labor Bancshares Inc is $48.8M. 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 Bank of Labor Bancshares Inc (BHDB)?
The price-to-sales ratio of Bank of Labor Bancshares Inc is 0.89 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of Labor Bancshares Inc (BHDB)?
Earnings per share at Bank of Labor Bancshares Inc are $26.60 (price ÷ EPS = P/E 5.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank of Labor Bancshares Inc (BHDB)?
The net margin of Bank of Labor Bancshares Inc is 16.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Bank of Labor Bancshares Inc (BHDB)?
On an EBIT basis the return on assets of Bank of Labor Bancshares Inc is 0.8% (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.
How much free cash flow does Bank of Labor Bancshares Inc (BHDB) generate?
The free cash flow of Bank of Labor Bancshares Inc is $9.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Bank of Labor Bancshares Inc (BHDB) hold?
Bank of Labor Bancshares Inc holds more cash than debt, $106M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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