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Bonvenu Bancorp, Inc (BBNA) fair value: what the stock is really worth

As of Oct 26, 2026: fair value (intrinsic value) of Bonvenu Bancorp, Inc stock $14.12, price $18.50, that is 23.7% below the price, quality 61 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 Bonvenu Bancorp, Inc logo Some data Nov 8, 2026

Bonvenu Bancorp, Inc

BBNA · US
Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Quality 61/100
Solidly profitable · 13.3% net margin (TTM)
Last quarter vs. a year ago: revenue +31%, profit +133%.
Mixed Growth (revenue 5y +12.8 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 55/100
Some data
Fair value $14.12 · 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

$24.55 $14.54 Fair Value $14.12 Aug 2021 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 $14.54 – $24.55 · fair‑value band $14.00 – $18.18 · the $18.50 price screens above the $14.12 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

Bonvenu Bancorp, Inc. operates as the bank holding company for Citizens National Bank that provides personal and business banking services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit.

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The company also provides personal loans, such as vacation loans, lines of credit, home equity loans, home construction loans, and loans for various other consumer purposes, as well as auto, boat, trailer, motorcycle, and ATV loans; and business loans, such as construction loans, real estate, industrial, small business administration, and United States Department of Agriculture loans, as well as mortgage loans.

In addition, it offers investment services, including financial planning, structured products, retirement planning, education planning, estate planning, asset management, trust, small business investment, employer benefits planning, and other services; and merchant services, credit cards, and online and mobile banking services.

Bonvenu Bancorp, Inc. was formerly known as Citizens National Bancshares of Bossier, Inc. and changed its name to Bonvenu Bancorp, Inc. in April 2024. Bonvenu Bancorp, Inc. was founded in 1985 and is based in Bossier City, Louisiana.

Stock analysis

Bonvenu Bancorp, Inc (BBNA) currently trades at $18.50, while our model-based Fair Value estimate is $14.12, 24% 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 $19.02 per share, and 1 of the 6 models we run sit above the $18.50 price.

Bear case: the Dividend Discount group reads lowest at $6.57, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $14.00 (bear) to $18.18 (bull), the price of $18.50 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 61/100 (solid quality), in the Financial Services sector.

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

Bonvenu Bancorp, Inc reported revenue of $83.3M in FY2025 versus $49.8M in FY2021, a compound +13.8%/yr. Reported net income was $7.3M in FY2025, compounding −12.2%/yr from FY2021.

Key figures

Market cap $120M Micro · P/E ratio 12.6 · P/S ratio 1.11 · EPS (TTM) $1.47 · Dividend yield 2.7% · Net margin 13.3% · Return on assets (EBIT) 0.8% (5-year average) · Operating margin 25.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).

What moves the price

The share trades about 1% below its 52-week high and 20% 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 −24%, BBNA screens cheaper than that median.

Fair Value models

Bear $14.00 Fair Value $14.12 Bull $18.18
Price $18.50 · Downside -23.7%
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 ($1.26 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 $14.00 $14.12 $14.93 76
Gordon GGM $3.84 $6.84 $9.32 68
DDM Multi-Stage $3.84 $6.29 $7.32 67
All 6 models by family
Dividend Discount
Gordon GGM $3.84 $6.84 $9.32 68
DDM Multi-Stage $3.84 $6.29 $7.32 67
Multiples
P/E Multiple $10.98 $14.65 $18.31 63
P/B Multiple $17.54 $23.39 $29.24 55
Asset-Based
NCAV (Graham) $9.09 $12.18 $18.18 51
Economic Profit
Residual Income $14.00 $14.12 $14.93 76

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Quality Score breakdown

Overall quality 61/100

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

Profitability 21
How much profit the company makes from its sales and capital
Quality Growth 63
Are margins and returns getting better?
Cashflow 70
Do the profits arrive as real cash?
Financial strength 40
Debt, balance sheet and risk of trouble
Investment 80
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 48
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 72
Distance to the 52-week high, does not count
New shares 92
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. 85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+2.1%
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.
+13.3%
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.
+12.8%
Start year 2020 (pandemic). Over 10 years: +7.5% a year
Revenue growth 31 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.
+14.1%
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.
−7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−9.8%
Dividend (yield on the price)2.7%
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.−9.8% vs −0.8%, 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.54% → 11%
Pace: the 5-year rate starts in 2020 (pandemic)

BBNA screens overvalued: fair value 24% 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 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside −23.7% · Below median
Profitability
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 13.3% · Bottom 25%
Operating margin (12 months) 25.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 30.5% · Top 25%
Dividend yield (12 months) 2.7% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.6× · Pricier than median
P/B 0.97× · Cheaper than median
P/S (12 months) 2.60× · Cheaper than median
Price / free cash flow (fiscal year) 11.2× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)2 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)54 · 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 BBNA
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BBNA
BNP Paribas SA BNP €91.93 €106.01 +15% vs BBNA
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BBNA
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BBNA
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BBNA
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BBNA
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BBNA
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BBNA
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BBNA

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Bonvenu Bancorp, Inc: fair value per Fair Value Calculator

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

Frequently asked questions

Is Bonvenu Bancorp, Inc (BBNA) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $14.12 versus the last price from Oct 26, 2026 of $18.50, about 24% lower (overvalued).
What is the fair value of BBNA?
Our model-based fair value for Bonvenu Bancorp, Inc is $14.12 (as of Nov 8, 2026), built from audited fundamentals. Last price (from Oct 26, 2026): $18.50.
What is the quality score of BBNA?
Bonvenu Bancorp, Inc has a Quality Score of 61/100. 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 Bonvenu Bancorp, Inc (BBNA)?
Our model-based price target is the fair value of $14.12 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $14.00, optimistic scenario $18.18. It is a calculation from audited fundamentals, not an analyst target.
What is the Bonvenu Bancorp, Inc stock forecast for 2026?
Our models put fair value at $14.12, about 24% lower versus the last price from Oct 26, 2026 of $18.50 (overvalued). Cautious scenario $14.00, optimistic scenario $18.18. The calculation is refreshed regularly with new filings.
What is the revenue of Bonvenu Bancorp, Inc (BBNA)?
Bonvenu Bancorp, Inc reported trailing-twelve-month revenue of about $46.0M (latest available figure, as of Nov 8, 2026).
Does Bonvenu Bancorp, Inc pay a dividend?
Bonvenu Bancorp, Inc currently shows a dividend yield of 2.72% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Bonvenu Bancorp, Inc (BBNA)?
Bonvenu Bancorp, Inc has a dividend yield of 2.7%.
What is the intrinsic value of Bonvenu Bancorp, Inc (BBNA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bonvenu Bancorp, Inc it is $14.12 per share (as of Nov 8, 2026), against a price of $18.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bonvenu Bancorp, Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BBNA trades above its calculated fair value: price $18.50, fair value $14.12, a gap of about −24% (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 BBNA?
No. The price is what the market pays today ($18.50); the fair value is what the company's own numbers justify ($14.12). For Bonvenu Bancorp, Inc the two are $4.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bonvenu Bancorp, Inc worth?
The market values Bonvenu Bancorp, Inc at about $120M (market capitalisation, as of Nov 8, 2026). Per share that is $18.50; our models calculate a fair value of $14.12 per share.
What do the bullish and bearish scenarios say about BBNA?
Our models span a range for Bonvenu Bancorp, Inc: cautious scenario $14.00, base $14.12, optimistic $18.18 per share (as of Nov 8, 2026, price $18.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBNA?
Bonvenu Bancorp, Inc trades at a price-to-earnings ratio of 12.6 (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 $14.12 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 13.3. Other multiples: P/B 1.0, P/S 2.6.
How far is BBNA from its 52-week high?
Bonvenu Bancorp, Inc trades at $18.50, about 1% below its 52-week high of $18.75 and 20% above the low of $15.41 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $14.12 is for.
Which stocks are comparable to Bonvenu 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 Bonvenu Bancorp, Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $18.50, calculated fair value $14.12 (−24%), Quality Score 61/100, 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 BBNA calculated?
We run Bonvenu 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 $14.12 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. Bonvenu 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 Bonvenu Bancorp, Inc (BBNA)?
The latest price we hold is from Oct 26, 2026 and stands at $18.50. Our model-based fair value is $14.12, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bonvenu Bancorp, Inc right now?
Solid but not exceptional quality (61/100) 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 Bonvenu Bancorp, Inc (BBNA) come from?
Earnings per share at Bonvenu Bancorp, Inc grew +0.0 % a year from 2015 to 2025. Broken into its drivers: revenue per share +9.8 %, EBIT margin −13.1 %, tax rate +2.0 %, residual (interest, one-offs) +2.8 %. 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 Bonvenu Bancorp, Inc

How large is the market capitalisation of Bonvenu Bancorp, Inc (BBNA)?
The market capitalisation of Bonvenu Bancorp, Inc is $120M. 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 Bonvenu Bancorp, Inc (BBNA)?
The price-to-sales ratio of Bonvenu Bancorp, Inc is 1.11 (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 Bonvenu Bancorp, Inc (BBNA)?
Earnings per share at Bonvenu Bancorp, Inc are $1.47 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bonvenu Bancorp, Inc (BBNA)?
The dividend yield of Bonvenu Bancorp, Inc is 2.7% (payout 34.3%). 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 Bonvenu Bancorp, Inc (BBNA)?
The net margin of Bonvenu Bancorp, Inc is 13.3% (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 EBIT return on assets of Bonvenu Bancorp, Inc (BBNA)?
On an EBIT basis the return on assets of Bonvenu Bancorp, Inc 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.
What is the operating margin of Bonvenu Bancorp, Inc (BBNA)?
The operating margin of Bonvenu Bancorp, Inc is 25.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bonvenu Bancorp, Inc (BBNA)?
Revenue at Bonvenu Bancorp, Inc is growing +30.5% versus a year earlier (3y avg +13.3%). 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 Bonvenu Bancorp, Inc (BBNA)?
Earnings per share at Bonvenu Bancorp, Inc are growing +133% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bonvenu Bancorp, Inc (BBNA) generate?
The free cash flow of Bonvenu Bancorp, Inc is $10.7M (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 Bonvenu Bancorp, Inc (BBNA) hold?
Bonvenu Bancorp, Inc holds more cash than debt, $124M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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