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BankFLORIDA Bancorp Inc. (BKFL) fair value: what the stock is really worth

As of Sep 18, 2026: fair value of BankFLORIDA Bancorp Inc. $13.38, price $16.80, upside -20.4%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN US06645F1049

BB BankFLORIDA Bancorp Inc. logo Some data Sep 24, 2026

BankFLORIDA Bancorp Inc.

BKFL · US

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value $13.38 · Overvalued (−20%)
!Quality 64/100
✓Healthy Growth (revenue 3y +6.7 %/yr)
✓Highly profitable · 20.5% net margin (FY2025)
✓Moderate debt · generates free cash flow
!Trails peers (1/11)
!Narrow moat 41/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 6 out of 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

$17.15 $12.12 Fair Value $13.38 Apr 2023 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

41‑month range $12.12 – $17.15 · fair‑value band $10.04 – $16.73 · the $16.80 price screens above the $13.38 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

BankFLORIDA Bancorp, Inc. operates as the bank holding company for BankFlorida that provides various financial products and services to individuals and corporate customers. Its personal banking products and services include checking accounts, money market accounts, fixed rate term certificates of deposit, and residential mortgage loans.

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BankFLORIDA Bancorp, Inc. operates as the bank holding company for BankFlorida that provides various financial products and services to individuals and corporate customers. Its personal banking products and services include checking accounts, money market accounts, fixed rate term certificates of deposit, and residential mortgage loans. The company's corporate banking products and services include small business checking accounts, business checking accounts, and business money market accounts; lines of credit, term loans, and commercial mortgage loans; and treasury management services. It serves customers through its branch locations in Pasco, Palm Beach, and Osceola counties in the state of Florida. The company was founded in 2007 and is based in Dade City, Florida.

Stock analysis

BankFLORIDA Bancorp Inc. (BKFL) currently trades at $16.80, while our model-based Fair Value estimate is $13.38, implying the stock looks roughly 25.6% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $11.60 per share, and 0 of the 4 models we run sit above the $16.80 price.

Bear case: the Asset-Based group reads lowest at $7.71, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.04 (bear) to $16.73 (bull), the price of $16.80 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 64/100 (solid quality), in the Financial Services sector.

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

BankFLORIDA Bancorp Inc. reported revenue of $13.9M in FY2025 versus $6.7M in FY2021, a compound +19.8%/yr. Reported net income was $2.8M in FY2025, compounding +44.8%/yr from FY2021.

Key figures

Market cap $53.4M · P/E ratio 12.6 · P/S ratio 2.59 · EPS (TTM) $1.33 · Net margin 20.5% · Free cash flow $3.7M · Net debt $5.9M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −20%, BKFL screens cheaper than that median.

Fair Value models

Bear $10.04 Fair Value $13.38 Bull $16.73
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 ($0.9765 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 $8.55 $8.75 $8.58 68
P/E Multiple $8.70 $11.60 $14.50 63
P/B Multiple $11.37 $15.16 $18.96 55
All 4 models by family
Multiples
P/E Multiple $8.70 $11.60 $14.50 63
P/B Multiple $11.37 $15.16 $18.96 55
Asset-Based
NCAV (Graham) $5.76 $7.71 $11.51 54
Economic Profit
Residual Income $8.55 $8.75 $8.58 68

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Quality Score breakdown

Overall quality 64/100

Of which business quality 65 · Market factors (momentum, volatility) 72

Profitability 36
Margins and returns on capital today
Quality Growth 71
Are margins and returns improving?
Cashflow 89
Earnings quality: real cash, not paper profit
Fin. Strength 51
Balance sheet, leverage, solvency risk
Investment 71
Disciplined investing over empire-building
Low Volatility 99
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 73
Distance to the 52-week high (market factor)
Net Issuance 82
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. 73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+61.5%
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.
+6.7%
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.
+34.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+34.4%
Dividend (yield on the price)0.0%

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−20.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −22.8% a year for the price.

BKFL screens 26% overvalued. Compare with DBS Group →

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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 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 65 · Top 25%
Fair Value upside −20% · Below median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 20% · Below median
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth 0% · Bottom 25%
Balance sheet
Debt / equity 0.63× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.6× · Pricier than median
P/B 1.46× · Pricier than median
P/FCF 14.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)69 · sector 85
DIVIDEND (yield)0 · 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

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
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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BankFLORIDA Bancorp Inc. · Fair Value
$13.38 −26%Fair Value
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Cite: Fair Value Calculator (2026). "BankFLORIDA Bancorp Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BKFL

Frequently asked questions

Is BankFLORIDA Bancorp Inc. (BKFL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $13.38 versus the last price from Sep 18, 2026 of $16.80, about −20% upside (overvalued).
What is the fair value of BKFL?
Our model-based fair value for BankFLORIDA Bancorp Inc. is $13.38 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $16.80.
What is the quality score of BKFL?
BankFLORIDA Bancorp Inc. has a Quality Score of 64/100. 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 BankFLORIDA Bancorp Inc. (BKFL)?
Our model-based price target is the fair value of $13.38 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $10.04, optimistic scenario $16.73. It is a calculation from audited fundamentals, not an analyst target.
What is the BankFLORIDA Bancorp Inc. stock forecast for 2026?
Our models put fair value at $13.38, about −20% upside versus the last price from Sep 18, 2026 of $16.80 (overvalued). Cautious scenario $10.04, optimistic scenario $16.73. The calculation is refreshed regularly with new filings.
What growth is priced into BankFLORIDA Bancorp Inc. (BKFL)?
For today's price to be fair in a discounted-cash-flow model, BankFLORIDA Bancorp Inc. would have to grow free cash flow by -20.9 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +19.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BKFL use?
Our models discount BankFLORIDA Bancorp Inc. at 12.7 %: a base by market capitalisation (micro), 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 BankFLORIDA Bancorp Inc. that is -20.9 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has BankFLORIDA Bancorp Inc. (BKFL) delivered so far?
Over the past 4 years revenue at BankFLORIDA Bancorp Inc. grew +19.8 % a year. The price currently implies -20.9 % 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 BankFLORIDA Bancorp Inc. (BKFL) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into BankFLORIDA Bancorp Inc. (-20.9 % 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 BankFLORIDA Bancorp Inc. (BKFL)?
The free-cash-flow yield on the price is 7.00 %: that much free cash flow BankFLORIDA Bancorp Inc. produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BankFLORIDA Bancorp Inc. (BKFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BankFLORIDA Bancorp Inc. it is $13.38 per share (as of Sep 24, 2026), against a price of $16.80. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is BankFLORIDA Bancorp Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BKFL trades above its calculated fair value: price $16.80, fair value $13.38, 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 BKFL?
No. The price is what the market pays today ($16.80); the fair value is what the company's own numbers justify ($13.38). For BankFLORIDA Bancorp Inc. the two are $3.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is BankFLORIDA Bancorp Inc. worth?
The market values BankFLORIDA Bancorp Inc. at about $53.4M (market capitalisation, as of Sep 24, 2026). Per share that is $16.80; our models calculate a fair value of $13.38 per share.
What do the bullish and bearish scenarios say about BKFL?
Our models span a range for BankFLORIDA Bancorp Inc.: cautious scenario $10.04, base $13.38, optimistic $16.73 per share (as of Sep 24, 2026, price $16.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKFL?
BankFLORIDA Bancorp Inc. trades at a price-to-earnings ratio of 12.6 (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 $13.38 is built from several models across several years. Other multiples: P/B 1.5.
How solid is the balance sheet of BankFLORIDA Bancorp Inc. (BKFL)?
Balance-sheet figures for BankFLORIDA Bancorp Inc. (as of Sep 24, 2026): debt of 0.63 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is BKFL from its 52-week high?
BankFLORIDA Bancorp Inc. trades at $16.80, about 2% below its 52-week high of $17.15 and 23% above the low of $13.70 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $13.38 is for.
Which stocks are comparable to BankFLORIDA Bancorp Inc.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 BankFLORIDA Bancorp Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $16.80, calculated fair value $13.38 (−20%), Quality Score 64/100, 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 BKFL calculated?
We run BankFLORIDA Bancorp Inc. through 4 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 $13.38, 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 13.0 % above its aggregate fair value. BankFLORIDA 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 BankFLORIDA Bancorp Inc. (BKFL)?
The latest price we hold is from Sep 18, 2026 and stands at $16.80. Our model-based fair value is $13.38, about −20% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BankFLORIDA Bancorp Inc. right now?
Solid but not exceptional quality (64/100) 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 BankFLORIDA Bancorp Inc.

How large is the market capitalisation of BankFLORIDA Bancorp Inc. (BKFL)?
The market capitalisation of BankFLORIDA Bancorp Inc. is $53.4M. 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 BankFLORIDA Bancorp Inc. (BKFL)?
The price-to-sales ratio of BankFLORIDA Bancorp Inc. is 2.59 (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 BankFLORIDA Bancorp Inc. (BKFL)?
Earnings per share at BankFLORIDA Bancorp Inc. are $1.33 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BankFLORIDA Bancorp Inc. (BKFL)?
The net margin of BankFLORIDA Bancorp Inc. is 20.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much net debt does BankFLORIDA Bancorp Inc. (BKFL) carry?
The net debt of BankFLORIDA Bancorp Inc. is $5.9M (fiscal year 2024, ≈ 1.6 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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