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Boyle Bancorp Inc (BYLB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Boyle Bancorp Inc stock $109, price $123, that is 11.0% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BB Boyle Bancorp Inc logo Broad data Nov 4, 2026

Boyle Bancorp Inc

BYLB · US
Solid, but expensive

Our calculation puts a fair price 11% below what the stock costs today.

Healthy Growth (revenue 5y +13.7 %/yr in USD)
Solidly profitable · 19.1% net margin (FY2025)
Broad data
Costs just 8 times its yearly profit.
Quality 51/100
Mixed vs. peers (7/12)
Moderate moat 53/100 · thin data
Fair value $109.41 · Overvalued
⚠ 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

$130.00 $38.50 Fair Value $109.41 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $38.50 – $130.00 · fair‑value band $96.29 – $143.79 · the $123.00 price screens above the $109.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Boyle Bancorp, Inc. operates as the holding company for Farmers National Bank that provides a range of commercial and personal banking services in the United States.

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It offers checking and savings accounts, money market accounts, certificates of deposits, and IRAs; and auto, recreational vehicle, boat, ATVs/UTVs, CD, marketable security, construction, FHA, VA, home equity, and rural housing loans; fixed rate and adjustable-rate mortgages; business loans, including commercial real estate, multi-family dwellings, commercial construction, business equipment, and lines of credit; agriculture loans comprising farm equipment financing, real estate/farm improvement, operating, refinancing, and sweep loans/accounts; and equine loans consists of mare/stallion and farm financing.

The company also provides automated clearing house, remote deposit capture, reorder checks, safe deposit boxes, wire transfer, and overdraft protection services, as well as debit and credit cards; and investment and wealth, brokerage, insurance, ATM, and online and mobile banking services.

It operates 12 banking locations in Boyle, Casey, Garrard, Lincoln, and Mercer counties of Kentucky. Boyle Bancorp, Inc. was founded in 1879 and is based in Danville, Kentucky.

Stock analysis

Boyle Bancorp Inc (BYLB) currently trades at $123.00, while our model-based Fair Value estimate is $109.41, 11% 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 $157.88 per share, and 1 of the 6 models we run sit above the $123.00 price.

Bear case: the Dividend Discount group reads lowest at $44.42, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $96.29 (bear) to $143.79 (bull), the price of $123.00 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 51/100 (solid quality), in the Financial Services sector.

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

Boyle Bancorp Inc reported revenue of $69.5M in FY2025 versus $38.3M in FY2021, a compound +16.1%/yr. Reported net income was $13.3M in FY2025, compounding +13.4%/yr from FY2021.

Key figures

Market cap $106M Micro · P/E ratio 8.0 · P/S ratio 1.52 · EPS (TTM) $15.47 · Dividend yield 3.3% · Net margin 19.1% · Return on assets (EBIT) 1.4% (5-year average) · Free cash flow $11.9M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 21% 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 −11%, BYLB screens cheaper than that median.

Fair Value models

Bear $96.29 Fair Value $109.41 Bull $143.79
Price $123.00 · Downside -11.0%
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 ($13.27 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 $96.29 $109.41 $143.79 76
Gordon GGM $27.42 $45.49 $58.63 68
DDM Multi-Stage $27.42 $43.35 $48.98 67
All 6 models by family
Dividend Discount
Gordon GGM $27.42 $45.49 $58.63 68
DDM Multi-Stage $27.42 $43.35 $48.98 67
Multiples
P/E Multiple $150.80 $201.07 $251.34 63
P/B Multiple $86.02 $114.69 $143.36 55
Asset-Based
NCAV (Graham) $53.59 $71.81 $107.18 51
Economic Profit
Residual Income $96.29 $109.41 $143.79 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 51/100

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

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 67
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 63
Does it invest with discipline instead of growing at any price?
Low Volatility 69
How calm the share price moves, does not count
Price momentum 64
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 94
Distance to the 52-week high, does not count
New shares 85
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. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+44.2%
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.
+16.0%
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.
+13.7%
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.
+12.8%
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.
+22.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.5%
Dividend (yield on the price)3.3%
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.17% → 24%

BYLB screens overvalued: fair value 11% 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 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −11.0% · Above median
Profitability
Return on assets 1.3% · Top 25%
Net margin (12 months) 19.1% · 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) 3.3% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.0× · Cheapest 25%
P/B 1.11× · Cheaper than median
Price / free cash flow (fiscal year) 8.9× · Cheaper than median
EV/EBITDA 4.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)19 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)65 · 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 BYLB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BYLB
BNP Paribas SA BNP €91.93 €106.01 +15% vs BYLB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BYLB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BYLB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BYLB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BYLB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BYLB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BYLB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BYLB

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Boyle Bancorp Inc: fair value per Fair Value Calculator

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

Frequently asked questions

Is Boyle Bancorp Inc (BYLB) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $109.41 versus a price of $123.00, about 11% lower (overvalued).
What is the fair value of BYLB?
Our model-based fair value for Boyle Bancorp Inc is $109.41 (as of Nov 4, 2026), built from audited fundamentals. The current price: $123.00.
What is the quality score of BYLB?
Boyle Bancorp Inc has a Quality Score of 51/100. 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 Boyle Bancorp Inc (BYLB)?
Our model-based price target is the fair value of $109.41 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $96.29, optimistic scenario $143.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Boyle Bancorp Inc stock forecast for 2026?
Our models put fair value at $109.41, about 11% lower versus a price of $123.00 (overvalued). Cautious scenario $96.29, optimistic scenario $143.79. The calculation is refreshed regularly with new filings.
Does Boyle Bancorp Inc pay a dividend?
Boyle Bancorp Inc currently shows a dividend yield of 3.25% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Boyle Bancorp Inc (BYLB)?
Boyle Bancorp Inc has a dividend yield of 3.3%.
What is the intrinsic value of Boyle Bancorp Inc (BYLB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Boyle Bancorp Inc it is $109.41 per share (as of Nov 4, 2026), against a price of $123.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Boyle Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, BYLB trades above its calculated fair value: price $123.00, fair value $109.41, a gap of about −11% (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 BYLB?
No. The price is what the market pays today ($123.00); the fair value is what the company's own numbers justify ($109.41). For Boyle Bancorp Inc the two are $13.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Boyle Bancorp Inc worth?
The market values Boyle Bancorp Inc at about $106M (market capitalisation, as of Nov 4, 2026). Per share that is $123.00; our models calculate a fair value of $109.41 per share.
What do the bullish and bearish scenarios say about BYLB?
Our models span a range for Boyle Bancorp Inc: cautious scenario $96.29, base $109.41, optimistic $143.79 per share (as of Nov 4, 2026, price $123.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BYLB?
Boyle Bancorp Inc trades at a price-to-earnings ratio of 8.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $109.41 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 7.4. Other multiples: P/B 1.1, EV/EBITDA 4.0.
How far is BYLB from its 52-week high?
Boyle Bancorp Inc trades at $123.00, about 5% below its 52-week high of $130.00 and 21% above the low of $101.49 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $109.41 is for.
Which stocks are comparable to Boyle 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 Boyle Bancorp Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $123.00, calculated fair value $109.41 (−11%), Quality Score 51/100, 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 BYLB calculated?
We run Boyle Bancorp 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 $109.41 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. Boyle 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 Boyle Bancorp Inc (BYLB)?
The closing price on Nov 6, 2026 was $123.00. Our model-based fair value is $109.41, about 11% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Boyle Bancorp Inc right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. The data supports the verdict: every model runs on fully documented inputs.

Key figures of Boyle Bancorp Inc

How large is the market capitalisation of Boyle Bancorp Inc (BYLB)?
The market capitalisation of Boyle Bancorp Inc is $106M. 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 Boyle Bancorp Inc (BYLB)?
The price-to-sales ratio of Boyle Bancorp Inc is 1.52 (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 Boyle Bancorp Inc (BYLB)?
Earnings per share at Boyle Bancorp Inc are $15.47 (price ÷ EPS = P/E 8.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Boyle Bancorp Inc (BYLB)?
The dividend yield of Boyle Bancorp Inc is 3.3% (payout 25.9%). 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 Boyle Bancorp Inc (BYLB)?
The net margin of Boyle Bancorp Inc is 19.1% (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 Boyle Bancorp Inc (BYLB)?
On an EBIT basis the return on assets of Boyle Bancorp Inc is 1.4% (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 Boyle Bancorp Inc (BYLB) generate?
The free cash flow of Boyle Bancorp Inc is $11.9M (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 Boyle Bancorp Inc (BYLB) hold?
Boyle Bancorp Inc holds more cash than debt, $32.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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