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Absecon Bancorp (ASCN) fair value: what the stock is really worth

As of Sep 15, 2026: fair value of Absecon Bancorp $150, price $121, upside +24.1%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN US0038531085

AB Absecon Bancorp logo Some data Sep 24, 2026

Absecon Bancorp

ASCN · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $150.15 · Undervalued (+24%)
!Quality 57/100
✓Healthy Growth (revenue 5y +11.6 %/yr)
✓Solidly profitable · 16.0% net margin (FY2025)
✓generates free cash flow
!Mixed vs. peers (5/11)
!Moderate moat 63/100
!Evidence only medium, so the estimate is less certain
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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

$121.00 $46.13 Fair Value $150.15 Jul 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $46.13 – $121.00 · fair‑value band $139.65 – $173.59 · the $121.00 price screens below the $150.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Absecon Bancorp operates as the bank holding company for The First National Bank of Absecon that provides various personal and business banking products and services primarily in Atlantic County, New Jersey.

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Absecon Bancorp operates as the bank holding company for The First National Bank of Absecon that provides various personal and business banking products and services primarily in Atlantic County, New Jersey. It offers checking, NOW, money market, and savings accounts; certificates of deposit; individual retirement accounts; and credit card merchant accounts. The company also provides consumer loans, including secured and unsecured personal loans, new and used vehicle loans, fixed rate home equity loans, and home equity lines of credit; and mortgages, such as fixed rate mortgages, construction mortgages, and mortgage programs for investment properties and second homes, as well as land purchase loans. In addition, it offers commercial mortgages, business lines of credit, accounts receivable/inventory financing, letters of credit, equipment financing, and demand loans. Further, the company provides credit card merchant processing services, wire transfers, direct deposits, night deposits, telephone and Internet banking services, and personal overdraft protection services. It primarily operates offices in Absecon, Galloway Township, and Northfield in Atlantic County, as well as provides services in portions of Burlington, Cape May, and Ocean Counties, New Jersey. Absecon Bancorp was founded in 1916 and is based in Absecon, New Jersey.

Stock analysis

Absecon Bancorp (ASCN) currently trades at $121.00, while our model-based Fair Value estimate is $150.15, implying the stock looks roughly 19.4% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $189.71 per share, and 3 of the 6 models we run sit above the $121.00 price.

Bear case: the Dividend Discount group reads lowest at $57.32, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: $139.65 (bear) to $173.59 (bull), the price of $121.00 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.

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

Absecon Bancorp reported revenue of $10.0M in FY2025 versus $5.6M in FY2021, a compound +15.8%/yr. Reported net income was $1.6M in FY2025, compounding +24.5%/yr from FY2021.

Key figures

Market cap $13.2M · P/E ratio 8.9 · P/S ratio 1.42 · EPS (TTM) $13.60 · Dividend yield 3.1% · Net margin 16.0% · Return on assets (EBIT) 0.8% · Free cash flow $1.3M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades at 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 −36% fair-value upside, at 24%, ASCN screens cheaper than that median.

Fair Value models

Bear $139.65 Fair Value $150.15 Bull $173.59
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($9.99 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $140.66 $151.68 $181.45 76
Gordon GGM $33.28 $66.32 $100.43 67
DDM Multi-Stage $33.28 $57.32 $70.01 67
All 6 models by family
Dividend Discount
Gordon GGM $33.28 $66.32 $100.43 67
DDM Multi-Stage $33.28 $57.32 $70.01 67
Multiples
P/E Multiple $142.28 $189.71 $237.14 63
P/B Multiple $177.10 $236.14 $295.17 55
Asset-Based
NCAV (Graham) $84.34 $113.01 $168.67 51
Economic Profit
Residual Income $140.66 $151.68 $181.45 76

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Quality Score breakdown

Overall quality 57/100

Of which business quality 54 · Market factors (momentum, volatility) 58

Profitability 28
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 59
Earnings quality: real cash, not paper profit
Fin. Strength 39
Balance sheet, leverage, solvency risk
Investment 68
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 74
Price trend over the last 3–12 months (market factor)
52W Momentum 96
Distance to the 52-week high (market factor)
Net Issuance 94
Share count: buybacks or dilution?

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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. 85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.5%
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.
+17.4%
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.
+11.6%
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.
+9.8%
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. Basis: EBIT basis.
+19.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.1%
Dividend (yield on the price)3.1%
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.18% → 18%

Growth Forecast

Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.

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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 · 1076 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +24% · Top 25%
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 16% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth 0% · Bottom 25%
Dividend yield (TTM) 3.1% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 8.9× · Cheapest 25%
P/B 0.72× · Cheapest 25%
P/FCF 9.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)65 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)63 · sector 53

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

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Mizuho Financial Group MFG $10.56 $6.79 −36%
BNP Paribas SA BNP €98.43 €105.99 +8%
HDFC Bank Limited HDFCBANK ₹728.90 ₹406.44 −44%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Absecon Bancorp · Fair Value
$150.15 +19%Fair Value
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Cite: Fair Value Calculator (2026). "Absecon Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/ASCN

Frequently asked questions

Is Absecon Bancorp (ASCN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $150.15 versus the last price from Sep 15, 2026 of $121.00, about +24% upside (undervalued).
What is the fair value of ASCN?
Our model-based fair value for Absecon Bancorp is $150.15 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 15, 2026): $121.00.
What is the quality score of ASCN?
Absecon Bancorp 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 Absecon Bancorp (ASCN)?
Our model-based price target is the fair value of $150.15 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $139.65, optimistic scenario $173.59. It is a calculation from audited fundamentals, not an analyst target.
What is the Absecon Bancorp stock forecast for 2026?
Our models put fair value at $150.15, about +24% upside versus the last price from Sep 15, 2026 of $121.00 (undervalued). Cautious scenario $139.65, optimistic scenario $173.59. The calculation is refreshed regularly with new filings.
Does Absecon Bancorp pay a dividend?
Absecon Bancorp currently shows a dividend yield of about 3.13% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Absecon Bancorp (ASCN)?
For today's price to be fair in a discounted-cash-flow model, Absecon Bancorp would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of ASCN use?
Our models discount Absecon Bancorp at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Absecon Bancorp that is less than minus 40 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Absecon Bancorp (ASCN) delivered so far?
Over the past 5 years revenue at Absecon Bancorp grew +11.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Absecon Bancorp (ASCN) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Absecon Bancorp (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Absecon Bancorp (ASCN)?
The free-cash-flow yield on the price is 10.15 %: that much free cash flow Absecon Bancorp produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Absecon Bancorp (ASCN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Absecon Bancorp it is $150.15 per share (as of Sep 24, 2026), against a price of $121.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Absecon Bancorp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ASCN trades below its calculated fair value: price $121.00, fair value $150.15, a gap of about +24% (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 ASCN?
No. The price is what the market pays today ($121.00); the fair value is what the company's own numbers justify ($150.15). For Absecon Bancorp the two are $29.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Absecon Bancorp worth?
The market values Absecon Bancorp at about $13.2M (market capitalisation, as of Sep 24, 2026). Per share that is $121.00; our models calculate a fair value of $150.15 per share.
What do the bullish and bearish scenarios say about ASCN?
Our models span a range for Absecon Bancorp: cautious scenario $139.65, base $150.15, optimistic $173.59 per share (as of Sep 24, 2026, price $121.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ASCN?
Absecon Bancorp trades at a price-to-earnings ratio of 8.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $150.15 is built from several models across several years. Other multiples: P/B 0.7.
How far is ASCN from its 52-week high?
Absecon Bancorp trades at $121.00, at its 52-week high of $121.00 and 22% above the low of $99.02 (as of Sep 15, 2026). Distance from the high says nothing about value: that is what the fair value of $150.15 is for.
Which stocks are comparable to Absecon Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Absecon Bancorp stock attractive at the current price?
The data as of Sep 24, 2026: price $121.00, calculated fair value $150.15 (+24%), 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 ASCN calculated?
We run Absecon Bancorp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $150.15, 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 14.0 % above its aggregate fair value. Absecon Bancorp currently trades 24 % 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 Absecon Bancorp (ASCN)?
The latest price we hold is from Sep 15, 2026 and stands at $121.00. Our model-based fair value is $150.15, about +24% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Absecon Bancorp right now?
The price is below even our cautious bear case ($139.65). 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. 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 Absecon Bancorp

How large is the market capitalisation of Absecon Bancorp (ASCN)?
The market capitalisation of Absecon Bancorp is $13.2M. 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 Absecon Bancorp (ASCN)?
The price-to-sales ratio of Absecon Bancorp is 1.42 (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 Absecon Bancorp (ASCN)?
Earnings per share at Absecon Bancorp are $13.60 (price ÷ EPS = P/E 8.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Absecon Bancorp (ASCN)?
The dividend yield of Absecon Bancorp is 3.1% (payout 27.9%). 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 Absecon Bancorp (ASCN)?
The net margin of Absecon Bancorp is 16.0% (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 Absecon Bancorp (ASCN)?
On an EBIT basis the return on assets of Absecon Bancorp 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 net cash does Absecon Bancorp (ASCN) hold?
Absecon Bancorp holds more cash than debt, $23.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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