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Teb Bancorp Inc (TBBA) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Teb Bancorp Inc stock $7.90, price $7.93, that is 0.3% below the price, quality 42 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

TB Teb Bancorp Inc logo Some data Nov 7, 2026

Teb Bancorp Inc

TBBA · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Costs just 4.6 times its yearly profit.
Fair value $7.90 · Fairly valued
Quality 42/100
Loss over the last twelve months · -12.6% net margin (TTM) · fiscal year 2026 4.1%
Some data
Weak Growth (revenue 5y −5.4 %/yr in USD)
Trails peers (5/13)
Narrow moat 23/100
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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

$9.64 $5.50 Fair Value $7.90 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $5.50 – $9.64 · fair‑value band $5.90 – $8.52 · the $7.93 price screens above the $7.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

TEB Bancorp, Inc operates as the bank holding company for The Equitable Bank, S.S.B. that provides community banking services in the Metropolitan Milwaukee area, southeastern Wisconsin.

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It offers personal and business deposit accounts, including checking, savings, money market, and health savings, as well as retirement, interest on lawyer trust, and interest bearing real estate trust accounts, and certificates of deposit.

The company also provides lending products, such as mortgage, portfolio, personal, auto, and business loans, home equity, community lending, and leasing.

In addition, it offers online services comprising online banking, mobile banking and deposit, bill payment, and account-to-account transfer, as well as investment, debit, and credit cards. The company was founded in 1927 and is based in Wauwatosa, Wisconsin.

TEB Bancorp, Inc operates as a subsidiary of TEB MHC.

Stock analysis

Teb Bancorp Inc (TBBA) currently trades at $7.93, while our model-based Fair Value estimate is $7.90, so the stock looks roughly fairly valued today (gap 0.3%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of $8.20 per share, and 2 of the 4 models we run sit above the $7.93 price.

Bear case: the Multiples group reads lowest at $6.13, and 2 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $5.90 (bear) to $8.52 (bull), the price of $7.93 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 42/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Teb Bancorp Inc reported revenue of $18.0M in FY2026 versus $13.8M in FY2022, a compound +6.9%/yr. Reported net income was $740K in FY2026, compounding −15.8%/yr from FY2022.

Key figures

Market cap $20.8M Micro · P/E ratio 4.6 · P/S ratio 0.19 · EPS (TTM) $1.71 · Net margin 4.1% · Return on equity −4.6% · Return on assets (EBIT) 0.1% (5-year average) · Operating margin 14.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (medium confidence).

What moves the price

The share trades about 14% below its 52-week high and 36% 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 0%, TBBA screens cheaper than that median.

Fair Value models

Bear $5.90 Fair Value $7.90 Bull $8.52
Price $7.93 · Downside -0.3%
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 2026 figures (about 4 months old). Earnings retained since then ($0.6184 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 $8.25 $8.20 $8.52 71
P/E Multiple $2.75 $3.67 $4.58 63
P/B Multiple $6.43 $8.58 $10.72 55
All 4 models by family
Multiples
P/E Multiple $2.75 $3.67 $4.58 63
P/B Multiple $6.43 $8.58 $10.72 55
Asset-Based
NCAV (Graham) $5.90 $7.90 $11.80 54
Economic Profit
Residual Income $8.25 $8.20 $8.52 71

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Quality Score breakdown

Overall quality 42/100

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

Profitability 15
How much profit the company makes from its sales and capital
Quality Growth 64
Are margins and returns getting better?
Cashflow 11
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 99
Does it invest with discipline instead of growing at any price?
Low Volatility 61
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 57
Distance to the 52-week high, does not count
New shares 75
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. 32/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+72.3%
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.
+14.8%
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.
−5.4%
Start year 2021 (pandemic)
Revenue growth 9 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.
+3.6%
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.
−12.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−12.8%
Dividend (yield on the price)0.0%
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.−12.8% vs 13.3%, slowing
Profit margin 2021 to 2026 ⓘ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.27% → 4%
Pace: the 5-year rate starts in 2021 (pandemic)

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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 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 42 · Bottom 25%
Fair Value upside −0.3% · Above median
Profitability
Return on assets 0.2% · Bottom 25%
Net margin (12 months) −12.6% · Bottom 25%
Operating margin (12 months) 14.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −38.8% · Bottom 25%
Balance sheet
Debt / equity 0.16× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 4.6× · Cheapest 25%
P/B 0.67× · Cheapest 25%
P/S (12 months) 1.99× · Cheapest 25%
Price / free cash flow (fiscal year) 150.7× · Priciest 25%
EV/EBITDA 15.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · 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 TBBA
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs TBBA
BNP Paribas SA BNP €91.93 €106.01 +15% vs TBBA
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs TBBA
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs TBBA
UniCredit S.p.A UCG €76.80 €50.44 −34% vs TBBA
Mizuho Financial Group MFG $9.40 $5.89 −37% vs TBBA
DBS Group D05 69.72 SGD 40.39 SGD −42% vs TBBA
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs TBBA
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs TBBA

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Teb Bancorp Inc: fair value per Fair Value Calculator

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

Frequently asked questions

Is Teb Bancorp Inc (TBBA) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $7.90 versus a price of $7.93, about 0% lower (fairly valued).
What is the fair value of TBBA?
Our model-based fair value for Teb Bancorp Inc is $7.90 (as of Nov 7, 2026), built from audited fundamentals. The current price: $7.93.
What is the quality score of TBBA?
Teb Bancorp Inc has a Quality Score of 42/100. 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 Teb Bancorp Inc (TBBA)?
Our model-based price target is the fair value of $7.90 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $5.90, optimistic scenario $8.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Teb Bancorp Inc stock forecast for 2026?
Our models put fair value at $7.90, about 0% lower versus a price of $7.93 (fairly valued). Cautious scenario $5.90, optimistic scenario $8.52. The calculation is refreshed regularly with new filings.
What is the revenue of Teb Bancorp Inc (TBBA)?
Teb Bancorp Inc reported trailing-twelve-month revenue of about $10.5M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Teb Bancorp Inc (TBBA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Teb Bancorp Inc it is $7.90 per share (as of Nov 7, 2026), against a price of $7.93. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Teb Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, TBBA trades above its calculated fair value: price $7.93, fair value $7.90, a gap of about −0% (fairly valued). 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 TBBA?
No. The price is what the market pays today ($7.93); the fair value is what the company's own numbers justify ($7.90). For Teb Bancorp Inc the two are $0.0250 per share apart. That gap is exactly why we show both numbers side by side.
How much is Teb Bancorp Inc worth?
The market values Teb Bancorp Inc at about $20.8M (market capitalisation, as of Nov 7, 2026). Per share that is $7.93; our models calculate a fair value of $7.90 per share.
What do the bullish and bearish scenarios say about TBBA?
Our models span a range for Teb Bancorp Inc: cautious scenario $5.90, base $7.90, optimistic $8.52 per share (as of Nov 7, 2026, price $7.93). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TBBA?
Teb Bancorp Inc trades at a price-to-earnings ratio of 4.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.90 is built from several models across several years. Other multiples: P/B 0.7, P/S 2.0, EV/EBITDA 15.3.
How solid is the balance sheet of Teb Bancorp Inc (TBBA)?
Balance-sheet figures for Teb Bancorp Inc (as of Nov 7, 2026): return on equity −4.6%, debt of 0.16 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is TBBA from its 52-week high?
Teb Bancorp Inc trades at $7.93, about 14% below its 52-week high of $9.20 and 36% above the low of $5.84 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $7.90 is for.
Which stocks are comparable to Teb 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 Teb Bancorp Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $7.93, calculated fair value $7.90 (−0%), Quality Score 42/100, 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 TBBA calculated?
We run Teb Bancorp Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.90 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. Teb 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 Teb Bancorp Inc (TBBA)?
The closing price on Nov 6, 2026 was $7.93. Our model-based fair value is $7.90, about 0% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Teb Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Teb Bancorp Inc

How large is the market capitalisation of Teb Bancorp Inc (TBBA)?
The market capitalisation of Teb Bancorp Inc is $20.8M. 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 Teb Bancorp Inc (TBBA)?
The price-to-sales ratio of Teb Bancorp Inc is 0.19 (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 Teb Bancorp Inc (TBBA)?
Earnings per share at Teb Bancorp Inc are $1.71 (price ÷ EPS = P/E 4.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Teb Bancorp Inc (TBBA)?
The net margin of Teb Bancorp Inc is 4.1% (fiscal year 2026). 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 Teb Bancorp Inc (TBBA)?
The return on equity (ROE) of Teb Bancorp Inc is −4.6% (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 Teb Bancorp Inc (TBBA)?
On an EBIT basis the return on assets of Teb Bancorp Inc is 0.1% (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 Teb Bancorp Inc (TBBA)?
The operating margin of Teb Bancorp Inc is 14.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Teb Bancorp Inc (TBBA)?
Revenue at Teb Bancorp Inc is growing −38.8% versus a year earlier (3y avg +14.8%). 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 Teb Bancorp Inc (TBBA)?
Earnings per share at Teb Bancorp Inc are growing −73.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Teb Bancorp Inc (TBBA) generate?
The free cash flow of Teb Bancorp Inc is $138K (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Teb Bancorp Inc (TBBA) carry?
The net debt of Teb Bancorp Inc is $773K (fiscal year 2026, ≈ 5.6 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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