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Pontiac Bancorp Inc (PONT) fair value: what the stock is really worth

As of Oct 26, 2026: fair value (intrinsic value) of Pontiac Bancorp Inc stock $576, price $685, that is 15.9% below the price, quality 62 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

PB Pontiac Bancorp Inc logo Some data Nov 8, 2026

Pontiac Bancorp Inc

PONT · US
Overvalued / Monitor

Our calculation puts a fair price 16% below what the stock costs today.

Quality 62/100
Healthy Growth (revenue 5y +17.2 %/yr in USD)
Highly profitable · 24.7% net margin (FY2025)
Costs just 9.3 times its yearly profit.
Mixed vs. peers (7/12)
Moderate moat 60/100 · thin data
Some data
Fair value $576.09 · 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

$988.75 $275.14 Fair Value $576.09 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $275.14 – $988.75 · fair‑value band $531.60 – $670.90 · the $685.00 price screens above the $576.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Pontiac Bancorp, Inc. provides various financial services to individuals and businesses in Livingston county, Grundy county, Tazewell County, McLean County, and their surrounding communities.

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The company accepts various deposit products, such as checking, savings, and money market accounts; and certificates of deposit. It also offers online banking and bill pay, mobile banking, debit/ATM card, personal credit cards, telebank, and convenient services; deposit rates, and personal solutions.

It also provides business money market, loans, commercial loan, and business solutions.

In addition, the company offers consumer loan, loan insurance, and payment protection plans, as well as agriculture, equipment, livestock, agriculture real estate, and guaranteed loans; crop insurance, and trust services. The company was founded in 1947 and is based in Pontiac, Illinois.

Stock analysis

Pontiac Bancorp Inc (PONT) currently trades at $685.00, while our model-based Fair Value estimate is $576.09, 16% 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 $850.36 per share, and 2 of the 6 models we run sit above the $685.00 price.

Bear case: the Dividend Discount group reads lowest at $150.11, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $531.60 (bear) to $670.90 (bull), the price of $685.00 sits above 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 62/100 (solid quality), in the Financial Services sector.

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

Pontiac Bancorp Inc reported revenue of $62.0M in FY2025 versus $31.6M in FY2021, a compound +18.4%/yr. Reported net income was $15.3M in FY2025, compounding +14.8%/yr from FY2021.

Key figures

Market cap $142M Micro · P/E ratio 9.3 · P/S ratio 2.30 · EPS (TTM) $73.40 · Net margin 24.7% · Return on assets (EBIT) 1.4% (5-year average) · Free cash flow $17.8M · Net cash $73.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).

What moves the price

The share trades about 31% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −16%, PONT screens cheaper than that median.

Fair Value models

Bear $531.60 Fair Value $576.09 Bull $670.90
Price $685.00 · Downside -15.9%
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 ($62.94 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 $531.60 $576.09 $670.90 76
Gordon GGM $92.66 $153.72 $198.12 68
DDM Multi-Stage $92.66 $146.49 $165.51 67
All 6 models by family
Dividend Discount
Gordon GGM $92.66 $153.72 $198.12 68
DDM Multi-Stage $92.66 $146.49 $165.51 67
Multiples
P/E Multiple $720.03 $960.04 $1,200 63
P/B Multiple $555.51 $740.67 $925.84 55
Asset-Based
NCAV (Graham) $264.53 $354.47 $529.05 51
Economic Profit
Residual Income $531.60 $576.09 $670.90 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 62/100

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 62
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 26
Debt, balance sheet and risk of trouble
Investment 71
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 61
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 77
Distance to the 52-week high, does not count
New shares 81
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
+7.3%
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.
+22.3%
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.
+17.2%
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.
+15.9%
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.
+15.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.4%
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.35% → 33%

PONT screens overvalued: fair value 16% 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 · 997 stocks

Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside −15.9% · Above median
Profitability
Return on assets 1.3% · Above median
Net margin (12 months) 24.7% · Below median
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) 9.3× · Cheaper than median
P/B 1.04× · Cheaper than median
Price / free cash flow (fiscal year) 8.0× · Cheaper than median
EV/EBITDA 2.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)12 · 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 PONT
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PONT
BNP Paribas SA BNP €91.93 €106.01 +15% vs PONT
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PONT
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PONT
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PONT
Mizuho Financial Group MFG $9.40 $5.90 −37% vs PONT
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PONT
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PONT
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PONT

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Pontiac Bancorp Inc: fair value per Fair Value Calculator

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

Frequently asked questions

Is Pontiac Bancorp Inc (PONT) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $576.09 versus the last price from Oct 26, 2026 of $685.00, about 16% lower (overvalued).
What is the fair value of PONT?
Our model-based fair value for Pontiac Bancorp Inc is $576.09 (as of Nov 8, 2026), built from audited fundamentals. Last price (from Oct 26, 2026): $685.00.
What is the quality score of PONT?
Pontiac Bancorp Inc has a Quality Score of 62/100. 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 Pontiac Bancorp Inc (PONT)?
Our model-based price target is the fair value of $576.09 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $531.60, optimistic scenario $670.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Pontiac Bancorp Inc stock forecast for 2026?
Our models put fair value at $576.09, about 16% lower versus the last price from Oct 26, 2026 of $685.00 (overvalued). Cautious scenario $531.60, optimistic scenario $670.90. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Pontiac Bancorp Inc (PONT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pontiac Bancorp Inc it is $576.09 per share (as of Nov 8, 2026), against a price of $685.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Pontiac Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PONT trades above its calculated fair value: price $685.00, fair value $576.09, a gap of about −16% (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 PONT?
No. The price is what the market pays today ($685.00); the fair value is what the company's own numbers justify ($576.09). For Pontiac Bancorp Inc the two are $108.91 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pontiac Bancorp Inc worth?
The market values Pontiac Bancorp Inc at about $142M (market capitalisation, as of Nov 8, 2026). Per share that is $685.00; our models calculate a fair value of $576.09 per share.
What do the bullish and bearish scenarios say about PONT?
Our models span a range for Pontiac Bancorp Inc: cautious scenario $531.60, base $576.09, optimistic $670.90 per share (as of Nov 8, 2026, price $685.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PONT?
Pontiac Bancorp Inc trades at a price-to-earnings ratio of 9.3 (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 $576.09 is built from several models across several years. Other multiples: P/B 1.0, EV/EBITDA 2.2.
How far is PONT from its 52-week high?
Pontiac Bancorp Inc trades at $685.00, about 31% below its 52-week high of $988.75 and 27% above the low of $538.31 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $576.09 is for.
Which stocks are comparable to Pontiac 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 Pontiac Bancorp Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $685.00, calculated fair value $576.09 (−16%), Quality Score 62/100, 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 PONT calculated?
We run Pontiac 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 $576.09 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. Pontiac 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 Pontiac Bancorp Inc (PONT)?
The latest price we hold is from Oct 26, 2026 and stands at $685.00. Our model-based fair value is $576.09, about 16% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pontiac Bancorp Inc right now?
The price sits above even our optimistic bull case ($670.90). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Pontiac Bancorp Inc

How large is the market capitalisation of Pontiac Bancorp Inc (PONT)?
The market capitalisation of Pontiac Bancorp Inc is $142M. 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 Pontiac Bancorp Inc (PONT)?
The price-to-sales ratio of Pontiac Bancorp Inc is 2.30 (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 Pontiac Bancorp Inc (PONT)?
Earnings per share at Pontiac Bancorp Inc are $73.40 (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pontiac Bancorp Inc (PONT)?
The net margin of Pontiac Bancorp Inc is 24.7% (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 Pontiac Bancorp Inc (PONT)?
On an EBIT basis the return on assets of Pontiac 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 Pontiac Bancorp Inc (PONT) generate?
The free cash flow of Pontiac Bancorp Inc is $17.8M (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 Pontiac Bancorp Inc (PONT) hold?
Pontiac Bancorp Inc holds more cash than debt, $73.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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