EN DE
Watch Baraboo Bancorporation Inc for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Baraboo Bancorporation Inc (BAOB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Baraboo Bancorporation Inc stock $5.60, price $7.02, that is 20.2% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

BB Baraboo Bancorporation Inc logo Some data Nov 9, 2026

Baraboo Bancorporation Inc

BAOB · US
Solid, but expensive

Our calculation puts a fair price 20% below what the stock costs today.

Solidly profitable · 18.2% net margin (FY2025)
Quality 57/100
Mixed Growth (revenue 5y +7.7 %/yr in USD)
Moderate moat 52/100 · thin data
Some data
Fair value $5.60 · Overvalued
Trails peers (2/11)
Watch Baraboo Bancorporation Inc for free: we tell you when fair value or trend changes. Watch for free

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

$7.86 $2.26 Fair Value $5.60 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $2.26 – $7.86 · fair‑value band $4.85 – $7.18 · the $7.02 price screens above the $5.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

Follow Baraboo Bancorporation in your weekly email

Every Wednesday you see whether Baraboo Bancorporation is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

The Baraboo Bancorporation, Inc. operates as the holding company for Baraboo State Bank that provides personal and business banking products and services.

Show moreShow less

It offers checking, NOW, money market, club, individual retirement, savings, and health savings accounts, as well as certificates of deposit and trust services.

The company also provides consumer loans, such as auto, home, construction, and other loans, as well as home equity lines of credit; and business loans, including commercial real estate, equipment, partnership buy-in or buy-out, business startup and purchase, acquisition and development, agricultural, and government loans, as well as operating lines of credit and letters of credit.

In addition, it offers online, mobile, and phone banking services; and bill payment and cash management services. The company operates eight offices, including 5 offices in Baraboo, 1 office in Reedsburg, 1 office in Portage, and 1 office in Lake Delton.

The Baraboo Bancorporation, Inc. was founded in 1857 and is based in Baraboo, Wisconsin.

Stock analysis

Baraboo Bancorporation Inc (BAOB) currently trades at $7.02, while our model-based Fair Value estimate is $5.60, 20% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $6.47 per share, and 1 of the 6 models we run sit above the $7.02 price.

Bear case: the Dividend Discount group reads lowest at $1.35, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $4.85 (bear) to $7.18 (bull), the price of $7.02 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 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Baraboo Bancorporation Inc reported revenue of $29.8M in FY2025 versus $18.2M in FY2021, a compound +13.0%/yr. Reported net income was $5.4M in FY2025, compounding +10.2%/yr from FY2021.

Key figures

Market cap $62.8M Micro · P/E ratio 11.7 · P/S ratio 2.13 · EPS (TTM) $0.6000 · Dividend yield 1.7% · Net margin 18.2% · Return on assets (EBIT) 1.0% (5-year average) · Free cash flow $3.8M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).

What moves the price

The share trades about 11% below its 52-week high and 39% 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 −20%, BAOB screens cheaper than that median.

Fair Value models

Bear $4.85 Fair Value $5.60 Bull $7.18
Price $7.02 · Downside -20.2%
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 ($0.5145 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 $5.47 $5.60 $6.14 76
Gordon GGM $0.8300 $1.38 $1.78 68
DDM Multi-Stage $0.8300 $1.32 $1.49 67
All 6 models by family
Dividend Discount
Gordon GGM $0.8300 $1.38 $1.78 68
DDM Multi-Stage $0.8300 $1.32 $1.49 67
Multiples
P/E Multiple $5.97 $7.97 $9.96 63
P/B Multiple $3.72 $4.96 $6.20 55
Asset-Based
NCAV (Graham) $3.59 $4.81 $7.18 51
Economic Profit
Residual Income $5.47 $5.60 $6.14 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

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

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 57
Do the profits arrive as real cash?
Financial strength 37
Debt, balance sheet and risk of trouble
Investment 78
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 62
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 75
Distance to the 52-week high, does not count
New shares 98
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. 67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+63.6%
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.
+22.2%
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.
+7.7%
Start year 2020 (pandemic)
Revenue growth 23 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.
−0.6%
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.
+11.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.5%
Dividend (yield on the price)1.7%
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.22% → 23%
⚠ Revenue per share shrinking 4.8%/yr over ~21Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

BAOB screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →

Compare Baraboo Bancorporation Inc with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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 57 · Above median
Fair Value upside −20.2% · Below median
Profitability
Return on assets 0.9% · Below median
Net margin (12 months) 18.2% · 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) 1.7% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.7× · Pricier than median
P/B 0.98× · Cheaper than median
Price / free cash flow (fiscal year) 16.7× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)35 · 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 BAOB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BAOB
BNP Paribas SA BNP €91.93 €106.01 +15% vs BAOB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BAOB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BAOB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BAOB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BAOB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BAOB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BAOB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BAOB

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Baraboo Bancorporation Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Baraboo Bancorporation Inc Fair Value". https://www.fairvalue-calculator.com/stock/BAOB

Frequently asked questions

Is Baraboo Bancorporation Inc (BAOB) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $5.60 versus a price of $7.02, about 20% lower (overvalued).
What is the fair value of BAOB?
Our model-based fair value for Baraboo Bancorporation Inc is $5.60 (as of Nov 9, 2026), built from audited fundamentals. The current price: $7.02.
What is the quality score of BAOB?
Baraboo Bancorporation Inc 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 Baraboo Bancorporation Inc (BAOB)?
Our model-based price target is the fair value of $5.60 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $4.85, optimistic scenario $7.18. It is a calculation from audited fundamentals, not an analyst target.
What is the Baraboo Bancorporation Inc stock forecast for 2026?
Our models put fair value at $5.60, about 20% lower versus a price of $7.02 (overvalued). Cautious scenario $4.85, optimistic scenario $7.18. The calculation is refreshed regularly with new filings.
Does Baraboo Bancorporation Inc pay a dividend?
Baraboo Bancorporation Inc currently shows a dividend yield of 1.74% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Baraboo Bancorporation Inc (BAOB)?
Baraboo Bancorporation Inc has a dividend yield of 1.7%.
What is the intrinsic value of Baraboo Bancorporation Inc (BAOB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Baraboo Bancorporation Inc it is $5.60 per share (as of Nov 9, 2026), against a price of $7.02. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Baraboo Bancorporation Inc stock overvalued or undervalued in 2026?
As of Nov 9, 2026, BAOB trades above its calculated fair value: price $7.02, fair value $5.60, a gap of about −20% (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 BAOB?
No. The price is what the market pays today ($7.02); the fair value is what the company's own numbers justify ($5.60). For Baraboo Bancorporation Inc the two are $1.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is Baraboo Bancorporation Inc worth?
The market values Baraboo Bancorporation Inc at about $62.8M (market capitalisation, as of Nov 9, 2026). Per share that is $7.02; our models calculate a fair value of $5.60 per share.
What do the bullish and bearish scenarios say about BAOB?
Our models span a range for Baraboo Bancorporation Inc: cautious scenario $4.85, base $5.60, optimistic $7.18 per share (as of Nov 9, 2026, price $7.02). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BAOB?
Baraboo Bancorporation Inc trades at a price-to-earnings ratio of 11.7 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.60 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 8.8. Other multiples: P/B 1.0.
How far is BAOB from its 52-week high?
Baraboo Bancorporation Inc trades at $7.02, about 11% below its 52-week high of $7.86 and 39% above the low of $5.05 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $5.60 is for.
Which stocks are comparable to Baraboo Bancorporation 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 Baraboo Bancorporation Inc stock attractive at the current price?
The data as of Nov 9, 2026: price $7.02, calculated fair value $5.60 (−20%), 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 BAOB calculated?
We run Baraboo Bancorporation 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 $5.60 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. Baraboo Bancorporation 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 Baraboo Bancorporation Inc (BAOB)?
The closing price on Nov 6, 2026 was $7.02. Our model-based fair value is $5.60, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Baraboo Bancorporation Inc right now?
Solid but not exceptional quality (57/100) 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 Baraboo Bancorporation Inc

How large is the market capitalisation of Baraboo Bancorporation Inc (BAOB)?
The market capitalisation of Baraboo Bancorporation Inc is $62.8M. 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 Baraboo Bancorporation Inc (BAOB)?
The price-to-sales ratio of Baraboo Bancorporation Inc is 2.13 (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 Baraboo Bancorporation Inc (BAOB)?
Earnings per share at Baraboo Bancorporation Inc are $0.6000 (price ÷ EPS = P/E 11.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Baraboo Bancorporation Inc (BAOB)?
The dividend yield of Baraboo Bancorporation Inc is 1.7% (payout 20.4%). 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 Baraboo Bancorporation Inc (BAOB)?
The net margin of Baraboo Bancorporation Inc is 18.2% (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 Baraboo Bancorporation Inc (BAOB)?
On an EBIT basis the return on assets of Baraboo Bancorporation Inc is 1.0% (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 Baraboo Bancorporation Inc (BAOB) generate?
The free cash flow of Baraboo Bancorporation Inc is $3.8M (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 Baraboo Bancorporation Inc (BAOB) hold?
Baraboo Bancorporation Inc holds more cash than debt, $56.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Baraboo Bancorporation Inc in the live analysis

One click puts Baraboo Bancorporation Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.