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Baker Boyer Bancorp (BBBK) fair value: what the stock is really worth

As of Nov 3, 2026: fair value (intrinsic value) of Baker Boyer Bancorp stock $34.01, price $41.67, that is 18.4% below the price, quality 58 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 Baker Boyer Bancorp logo Some data Nov 9, 2026

Baker Boyer Bancorp

BBBK · US
Solid, but expensive

Our calculation puts a fair price 18% below what the stock costs today.

Solidly profitable · 11.4% net margin (TTM)
5.0% dividend yield · Sustainable
Ranks above peers (8/13)
Last quarter vs. a year ago: revenue +17%, profit +113%.
Quality 58/100
Mixed Growth (revenue 5y +4.7 %/yr in USD)
Some data
Fair value $34.01 · Overvalued
Narrow moat 41/100
⚠ 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

$75.10 $27.98 Fair Value $34.01 Aug 2015 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 $27.98 – $75.10 · fair‑value band $33.58 – $45.52 · the $41.67 price screens above the $34.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Baker Boyer Bancorp operates as the bank holding company for Baker Boyer National Bank that provides various banking products and services in southeastern Washington and northeastern Oregon in the United States.

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The company offers personal and business checking and savings accounts; money market accounts; certificates of deposit; personal loans, ready credit, auto loans, and recreational vehicle loans; home loans, construction loans, home equity loans and lines of credit, and land loans; business loans, including commercial real estate construction loans, commercial real estate loans, agricultural loans, term loans for equipment purchase and business expansion, and lines of credit; and commercial and industrial loans, commercial real estate owner-occupied and non-owner-occupied loans, consumer installment loans, residential real estate loans, and consumer and other loans.

It also provides online banking services, including mobile app and bill pay services; cash management services; and wealth management services, such as financial planning, investment management, and trust and estate planning services.

The company serves individuals, small businesses, and the agricultural industry. Baker Boyer Bancorp was founded in 1869 and is based in Walla Walla, Washington.

Stock analysis

Baker Boyer Bancorp (BBBK) currently trades at $41.67, while our model-based Fair Value estimate is $34.01, 18% 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 $48.16 per share, and 1 of the 6 models we run sit above the $41.67 price.

Bear case: the Dividend Discount group reads lowest at $20.43, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $33.58 (bear) to $45.52 (bull), the price of $41.67 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 58/100 (solid quality), in the Financial Services sector.

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

Baker Boyer Bancorp reported revenue of $42.3M in FY2025 versus $34.6M in FY2021, a compound +5.2%/yr. Reported net income was $3.3M in FY2025, compounding −11.4%/yr from FY2021.

Key figures

Market cap $55.0M Micro · P/E ratio 12.2 · P/S ratio 1.39 · EPS (TTM) $3.41 · Dividend yield 5.0% · Net margin 11.4% · Return on equity 5.8% · Return on assets (EBIT) 0.7% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).

What moves the price

The share trades about 7% below its 52-week high and 5% 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 −18%, BBBK screens cheaper than that median.

Fair Value models

Bear $33.58 Fair Value $34.01 Bull $45.52
Price $41.67 · Downside -18.4%
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 ($1.12 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 $33.58 $34.01 $35.64 76
Gordon GGM $15.23 $20.63 $25.51 69
DDM Multi-Stage $15.23 $20.22 $25.22 67
All 6 models by family
Dividend Discount
Gordon GGM $15.23 $20.63 $25.51 69
DDM Multi-Stage $15.23 $20.22 $25.22 67
Multiples
P/E Multiple $24.44 $32.59 $40.74 63
P/B Multiple $47.80 $63.73 $79.66 55
Asset-Based
NCAV (Graham) $22.76 $30.50 $45.52 54
Economic Profit
Residual Income $33.58 $34.01 $35.64 76

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Quality Score breakdown

Overall quality 58/100

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

Profitability 20
How much profit the company makes from its sales and capital
Quality Growth 59
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 40
Debt, balance sheet and risk of trouble
Investment 78
Does it invest with discipline instead of growing at any price?
Low Volatility 70
How calm the share price moves, does not count
Price momentum 39
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 60
Distance to the 52-week high, does not count
New shares 74
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. 65/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+7.7%
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.
+6.5%
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.
+4.7%
Start year 2020 (pandemic). Over 10 years: +3.5% a year
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.
+1.6%
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.
−4.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−9.5%
Dividend (yield on the price)5.0%
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.−9.5% vs −5.1%, slowing
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.19% → 10%
Pace: the 5-year rate starts in 2020 (pandemic)

BBBK screens overvalued: fair value 18% 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 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −18.4% · Above median
Profitability
Return on equity (12 months) 5.8% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 11.4% · Bottom 25%
Operating margin (12 months) 16.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 16.9% · Above median
Dividend yield (12 months) 5.0% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.2× · Pricier than median
P/B 0.91× · Cheaper than median
P/S (12 months) 1.39× · Cheapest 25%
Price / free cash flow (fiscal year) 8.5× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)9 · sector 8
FUTURE (revenue growth)85 · sector 47
PAST (return on equity)23 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · 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 BBBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BBBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs BBBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BBBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BBBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BBBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BBBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BBBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BBBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BBBK

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Baker Boyer Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Baker Boyer Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/BBBK

Frequently asked questions

Is Baker Boyer Bancorp (BBBK) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $34.01 versus a price of $41.67, about 18% lower (overvalued).
What is the fair value of BBBK?
Our model-based fair value for Baker Boyer Bancorp is $34.01 (as of Nov 9, 2026), built from audited fundamentals. The current price: $41.67.
What is the quality score of BBBK?
Baker Boyer Bancorp has a Quality Score of 58/100. 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 Baker Boyer Bancorp (BBBK)?
Our model-based price target is the fair value of $34.01 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $33.58, optimistic scenario $45.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Baker Boyer Bancorp stock forecast for 2026?
Our models put fair value at $34.01, about 18% lower versus a price of $41.67 (overvalued). Cautious scenario $33.58, optimistic scenario $45.52. The calculation is refreshed regularly with new filings.
What is the revenue of Baker Boyer Bancorp (BBBK)?
Baker Boyer Bancorp reported trailing-twelve-month revenue of about $39.5M (latest available figure, as of Nov 9, 2026).
Does Baker Boyer Bancorp pay a dividend?
Baker Boyer Bancorp currently shows a dividend yield of 5.04% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Baker Boyer Bancorp (BBBK) and when is the ex-dividend date?
Baker Boyer Bancorp pays a dividend of $2.10 per share a year, a dividend yield of 5.0%. The last ex-dividend date was Sep 18, 2026. A dividend has been paid every year since at least 1994. The payout ratio is 61.6% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Baker Boyer Bancorp (BBBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Baker Boyer Bancorp it is $34.01 per share (as of Nov 9, 2026), against a price of $41.67. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Baker Boyer Bancorp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, BBBK trades above its calculated fair value: price $41.67, fair value $34.01, a gap of about −18% (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 BBBK?
No. The price is what the market pays today ($41.67); the fair value is what the company's own numbers justify ($34.01). For Baker Boyer Bancorp the two are $7.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is Baker Boyer Bancorp worth?
The market values Baker Boyer Bancorp at about $55.0M (market capitalisation, as of Nov 9, 2026). Per share that is $41.67; our models calculate a fair value of $34.01 per share.
What do the bullish and bearish scenarios say about BBBK?
Our models span a range for Baker Boyer Bancorp: cautious scenario $33.58, base $34.01, optimistic $45.52 per share (as of Nov 9, 2026, price $41.67). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBBK?
Baker Boyer Bancorp trades at a price-to-earnings ratio of 12.2 (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 $34.01 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 16.5. Other multiples: P/B 0.9, P/S 1.4.
How solid is the balance sheet of Baker Boyer Bancorp (BBBK)?
Balance-sheet figures for Baker Boyer Bancorp (as of Nov 9, 2026): return on equity 5.8%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is BBBK from its 52-week high?
Baker Boyer Bancorp trades at $41.67, about 7% below its 52-week high of $44.80 and 5% above the low of $39.67 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $34.01 is for.
Which stocks are comparable to Baker Boyer Bancorp?
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 Baker Boyer Bancorp stock attractive at the current price?
The data as of Nov 9, 2026: price $41.67, calculated fair value $34.01 (−18%), Quality Score 58/100, 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 BBBK calculated?
We run Baker Boyer Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $34.01 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. Baker Boyer Bancorp 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 Baker Boyer Bancorp (BBBK)?
The closing price on Nov 3, 2026 was $41.67. Our model-based fair value is $34.01, about 18% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Baker Boyer Bancorp right now?
Solid but not exceptional quality (58/100) 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.
Where does the earnings growth of Baker Boyer Bancorp (BBBK) come from?
Earnings per share at Baker Boyer Bancorp grew −7.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.3 %, EBIT margin −11.9 %, tax rate +1.5 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Baker Boyer Bancorp

How large is the market capitalisation of Baker Boyer Bancorp (BBBK)?
The market capitalisation of Baker Boyer Bancorp is $55.0M. 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 Baker Boyer Bancorp (BBBK)?
The price-to-sales ratio of Baker Boyer Bancorp is 1.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Baker Boyer Bancorp (BBBK)?
Earnings per share at Baker Boyer Bancorp are $3.41 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Baker Boyer Bancorp (BBBK)?
The dividend yield of Baker Boyer Bancorp is 5.0% (payout 61.6%). 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 Baker Boyer Bancorp (BBBK)?
The net margin of Baker Boyer Bancorp is 11.4% (last twelve months). 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 Baker Boyer Bancorp (BBBK)?
The return on equity (ROE) of Baker Boyer Bancorp is 5.8% (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 Baker Boyer Bancorp (BBBK)?
On an EBIT basis the return on assets of Baker Boyer Bancorp is 0.7% (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 Baker Boyer Bancorp (BBBK)?
The operating margin of Baker Boyer Bancorp is 16.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Baker Boyer Bancorp (BBBK)?
Revenue at Baker Boyer Bancorp is growing +16.9% versus a year earlier (3y avg +6.5%). 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 Baker Boyer Bancorp (BBBK)?
Earnings per share at Baker Boyer Bancorp are growing +113% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Baker Boyer Bancorp (BBBK) generate?
The free cash flow of Baker Boyer Bancorp is $6.5M (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 Baker Boyer Bancorp (BBBK) hold?
Baker Boyer Bancorp holds more cash than debt, $85.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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