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BankFLORIDA Bancorp, Inc (BKFL) Fair Value & Analysis

Financial Services · US · Market cap $54.5M

Price$17.15
Fair Value$6.99
Upside-59.2%
Quality88/100
Evidence: Low Range $5.22 – $10.44

Fair value as of: Jun 26, 2026

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Analysis

BankFLORIDA Bancorp, Inc (BKFL) currently trades at $17.15, while our model-based Fair Value estimate is $6.99 — implying the stock looks roughly 59.2% overvalued today. We read business quality at 88/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

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.

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Frequently asked questions

Is BankFLORIDA Bancorp, Inc (BKFL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $6.99 versus a price of $17.15 — about −59% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BKFL?
Our 21-model fair value for BankFLORIDA Bancorp, Inc is $6.99 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.15.
What is the quality score of BKFL?
BankFLORIDA Bancorp, Inc has a Quality Score of 88/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.