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BankFLORIDA Bancorp Inc. (BKFL) fair value: what the stock is really worth

As of Oct 21, 2026: fair value (intrinsic value) of BankFLORIDA Bancorp Inc. stock $13.86, price $16.95, that is 18.2% below the price, quality 67 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BB BankFLORIDA Bancorp Inc. logo Thin data Nov 6, 2026

BankFLORIDA Bancorp Inc.

BKFL · US
Solid, but expensive

Our calculation puts a fair price 18% below what the stock costs today.

Quality 67/100
Healthy Growth (revenue 3y +6.7 %/yr in USD)
Highly profitable · 20.5% net margin (FY2025)
Moderate moat 51/100 · thin data
Fair value $13.86 · Overvalued
Trails peers (2/11)
Thin 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

$17.15 $12.12 Fair Value $13.86 Apr 2023 Nov 2026

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

How to read this chart

43‑month range $12.12 – $17.15 · fair‑value band $10.40 – $17.33 · the $16.95 price screens above the $13.86 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

BankFLORIDA Bancorp, Inc. operates as the bank holding company for BankFlorida that provides various financial products and services to individuals and corporate customers.

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Its personal banking products and services include checking accounts, money market accounts, fixed rate term certificates of deposit, and residential mortgage loans.

The company's corporate banking products and services include small business checking accounts, business checking accounts, and business money market accounts; lines of credit, term loans, and commercial mortgage loans; and treasury management services.

It serves customers through its branch locations in Pasco, Palm Beach, and Osceola counties in the state of Florida. The company was founded in 2007 and is based in Dade City, Florida.

Stock analysis

BankFLORIDA Bancorp Inc. (BKFL) currently trades at $16.95, while our model-based Fair Value estimate is $13.86, 18% 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 $13.86 per share, and 0 of the 4 models we run sit above the $16.95 price.

Bear case: the Asset-Based group reads lowest at $7.71, and 4 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: $10.40 (bear) to $17.33 (bull), the price of $16.95 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 67/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

BankFLORIDA Bancorp Inc. reported revenue of $13.9M in FY2025 versus $6.7M in FY2021, a compound +19.8%/yr. Reported net income was $2.8M in FY2025, compounding +44.8%/yr from FY2021.

Key figures

Market cap $53.9M Micro · P/E ratio 12.7 · P/S ratio 2.61 · EPS (TTM) $1.33 · Net margin 20.5% · Free cash flow $3.7M · Net debt $5.9M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 22% 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 −18%, BKFL screens cheaper than that median.

Fair Value models

Bear $10.40 Fair Value $13.86 Bull $17.33
Price $16.95 · Downside -18.2%
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 ($1.14 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 $8.51 $8.67 $9.37 68
P/E Multiple $8.70 $11.60 $14.50 63
P/B Multiple $12.09 $16.12 $20.15 55
All 4 models by family
Multiples
P/E Multiple $8.70 $11.60 $14.50 63
P/B Multiple $12.09 $16.12 $20.15 55
Asset-Based
NCAV (Graham) $5.76 $7.71 $11.51 54
Economic Profit
Residual Income $8.51 $8.67 $9.37 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 67/100

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 71
Are margins and returns getting better?
Cashflow 89
Do the profits arrive as real cash?
Financial strength 51
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 74
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

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. 73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+61.5%
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.
+6.7%
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.
+34.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.4%
Dividend (yield on the price)0.0%

BKFL screens overvalued: fair value 18% below the price. Compare with China Merchants Bank Co →

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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 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 67 · Top 25%
Fair Value upside −18.2% · Above median
Profitability
Return on assets 0.7% · Below median
Net margin (12 months) 20.5% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.63× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.7× · Pricier than median
P/B 1.47× · Pricier than median
Price / free cash flow (fiscal year) 14.4× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)9 · 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 BKFL
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BKFL
BNP Paribas SA BNP €91.93 €106.01 +15% vs BKFL
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BKFL
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BKFL
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BKFL
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BKFL
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BKFL
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BKFL
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BKFL

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BankFLORIDA Bancorp Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "BankFLORIDA Bancorp Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BKFL

Frequently asked questions

Is BankFLORIDA Bancorp Inc. (BKFL) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $13.86 versus the last price from Oct 21, 2026 of $16.95, about 18% lower (overvalued).
What is the fair value of BKFL?
Our model-based fair value for BankFLORIDA Bancorp Inc. is $13.86 (as of Nov 6, 2026), built from audited fundamentals. Last price (from Oct 21, 2026): $16.95.
What is the quality score of BKFL?
BankFLORIDA Bancorp Inc. has a Quality Score of 67/100. 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 BankFLORIDA Bancorp Inc. (BKFL)?
Our model-based price target is the fair value of $13.86 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario $10.40, optimistic scenario $17.33. It is a calculation from audited fundamentals, not an analyst target.
What is the BankFLORIDA Bancorp Inc. stock forecast for 2026?
Our models put fair value at $13.86, about 18% lower versus the last price from Oct 21, 2026 of $16.95 (overvalued). Cautious scenario $10.40, optimistic scenario $17.33. The calculation is refreshed regularly with new filings.
What is the intrinsic value of BankFLORIDA Bancorp Inc. (BKFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BankFLORIDA Bancorp Inc. it is $13.86 per share (as of Nov 6, 2026), against a price of $16.95. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is BankFLORIDA Bancorp Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BKFL trades above its calculated fair value: price $16.95, fair value $13.86, a gap of about −18% (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 BKFL?
No. The price is what the market pays today ($16.95); the fair value is what the company's own numbers justify ($13.86). For BankFLORIDA Bancorp Inc. the two are $3.09 per share apart. That gap is exactly why we show both numbers side by side.
How much is BankFLORIDA Bancorp Inc. worth?
The market values BankFLORIDA Bancorp Inc. at about $53.9M (market capitalisation, as of Nov 6, 2026). Per share that is $16.95; our models calculate a fair value of $13.86 per share.
What do the bullish and bearish scenarios say about BKFL?
Our models span a range for BankFLORIDA Bancorp Inc.: cautious scenario $10.40, base $13.86, optimistic $17.33 per share (as of Nov 6, 2026, price $16.95). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKFL?
BankFLORIDA Bancorp Inc. trades at a price-to-earnings ratio of 12.7 (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 $13.86 is built from several models across several years. Other multiples: P/B 1.5.
How solid is the balance sheet of BankFLORIDA Bancorp Inc. (BKFL)?
Balance-sheet figures for BankFLORIDA Bancorp Inc. (as of Nov 6, 2026): debt of 0.63 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is BKFL from its 52-week high?
BankFLORIDA Bancorp Inc. trades at $16.95, about 1% below its 52-week high of $17.15 and 22% above the low of $13.92 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $13.86 is for.
Which stocks are comparable to BankFLORIDA Bancorp 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 BankFLORIDA Bancorp Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $16.95, calculated fair value $13.86 (−18%), Quality Score 67/100, from 4 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 BKFL calculated?
We run BankFLORIDA Bancorp Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $13.86 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. BankFLORIDA Bancorp Inc. 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 BankFLORIDA Bancorp Inc. (BKFL)?
The latest price we hold is from Oct 21, 2026 and stands at $16.95. Our model-based fair value is $13.86, about 18% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BankFLORIDA Bancorp Inc. right now?
Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 BankFLORIDA Bancorp Inc.

How large is the market capitalisation of BankFLORIDA Bancorp Inc. (BKFL)?
The market capitalisation of BankFLORIDA Bancorp Inc. is $53.9M. 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 BankFLORIDA Bancorp Inc. (BKFL)?
The price-to-sales ratio of BankFLORIDA Bancorp Inc. is 2.61 (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 BankFLORIDA Bancorp Inc. (BKFL)?
Earnings per share at BankFLORIDA Bancorp Inc. are $1.33 (price ÷ EPS = P/E 12.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BankFLORIDA Bancorp Inc. (BKFL)?
The net margin of BankFLORIDA Bancorp Inc. is 20.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much free cash flow does BankFLORIDA Bancorp Inc. (BKFL) generate?
The free cash flow of BankFLORIDA Bancorp Inc. is $3.7M (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 BankFLORIDA Bancorp Inc. (BKFL) carry?
The net debt of BankFLORIDA Bancorp Inc. is $5.9M (fiscal year 2024, ≈ 1.6 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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