Eureka Homestead Bancorp Inc (ERKH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Eureka Homestead Bancorp Inc $12.11, price $13.92, upside -13.0%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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
60‑month range $9.25 – $19.00 · fair‑value band $9.04 – $18.08 · the $13.92 price screens above the $12.11 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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Eureka Homestead Bancorp, Inc. operates as the bank holding company for Eureka Homestead that provides various banking products and services. It accepts various deposit products, including passbook savings accounts, money market accounts, and certificates of deposit.
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Eureka Homestead Bancorp, Inc. operates as the bank holding company for Eureka Homestead that provides various banking products and services. It accepts various deposit products, including passbook savings accounts, money market accounts, and certificates of deposit. The company also offers mortgage loans, including 1-4 family, construction and land, multifamily, and commercial real estate loans, as well as consumer loans. Eureka Homestead Bancorp, Inc. was founded in 1884 and is headquartered in Metairie, Louisiana.
Stock analysis
Eureka Homestead Bancorp Inc (ERKH) currently trades at $13.92, while our model-based Fair Value estimate is $12.11, implying the stock looks roughly 14.9% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $9.04 (bear) to $18.08 (bull), the price of $13.92 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 40/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Eureka Homestead Bancorp Inc reported revenue of $4.1M in FY2025 versus $3.9M in FY2021, a compound +1.7%/yr. Reported net income was −$476K in FY2025.
Key figures
Market cap $13.0M · P/E ratio 232.0 · P/S ratio 6.89 · EPS (TTM) $0.0600 · Net margin −11.5% · Return on equity −2.7% · Return on assets (EBIT) 0.1% · Operating margin −52.7%.
What moves the price
The share trades about 16% below its 52-week high and 9% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −13%, ERKH screens cheaper than that median.
Fair Value models
Bear $9.04Fair Value $12.11Bull $18.08
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 ($0.0439 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.
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.7/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−5.1%
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.
+2.6%
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.
+0.8%
Start year 2020 (pandemic)
Revenue growth 8 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.
+1.0%
’17
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Profit margin (trend) ⓘ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.
−4.2% (2020) → −11.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Eureka Homestead Bancorp Inc with another stock
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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 · 1080 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside−14% · Above median
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−26% · Bottom 25%
Operating margin (TTM)−53% · Bottom 25%
Growth and dividend
Revenue growth−12% · Bottom 25%
Balance sheet
Debt / equity0.97× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Eureka Homestead Bancorp Inc (ERKH) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $12.11 versus a price of $13.92, about −13% upside (overvalued).
What is the fair value of ERKH?
Our model-based fair value for Eureka Homestead Bancorp Inc is $12.11 (as of Sep 24, 2026), built from audited fundamentals. The current price: $13.92.
What is the quality score of ERKH?
Eureka Homestead Bancorp Inc has a Quality Score of 40/100. 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 Eureka Homestead Bancorp Inc (ERKH)?
Our model-based price target is the fair value of $12.11 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $9.04, optimistic scenario $18.08. It is a calculation from audited fundamentals, not an analyst target.
What is the Eureka Homestead Bancorp Inc stock forecast for 2026?
Our models put fair value at $12.11, about −13% upside versus a price of $13.92 (overvalued). Cautious scenario $9.04, optimistic scenario $18.08. The calculation is refreshed regularly with new filings.
What is the revenue of Eureka Homestead Bancorp Inc (ERKH)?
Eureka Homestead Bancorp Inc reported trailing-twelve-month revenue of about $2.0M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Eureka Homestead Bancorp Inc (ERKH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Eureka Homestead Bancorp Inc it is $12.11 per share (as of Sep 24, 2026), against a price of $13.92. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Eureka Homestead Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ERKH trades above its calculated fair value: price $13.92, fair value $12.11, a gap of about −13% (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 ERKH?
No. The price is what the market pays today ($13.92); the fair value is what the company's own numbers justify ($12.11). For Eureka Homestead Bancorp Inc the two are $1.81 per share apart. That gap is exactly why we show both numbers side by side.
How much is Eureka Homestead Bancorp Inc worth?
The market values Eureka Homestead Bancorp Inc at about $13.0M (market capitalisation, as of Sep 24, 2026). Per share that is $13.92; our models calculate a fair value of $12.11 per share.
What do the bullish and bearish scenarios say about ERKH?
Our models span a range for Eureka Homestead Bancorp Inc: cautious scenario $9.04, base $12.11, optimistic $18.08 per share (as of Sep 24, 2026, price $13.92). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ERKH?
Eureka Homestead Bancorp Inc trades at a price-to-earnings ratio of 232.0 (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 $12.11 is built from several models across several years. Other multiples: P/B 0.7, P/S 6.7.
How solid is the balance sheet of Eureka Homestead Bancorp Inc (ERKH)?
Balance-sheet figures for Eureka Homestead Bancorp Inc (as of Sep 24, 2026): return on equity −2.7%, debt of 0.97 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is ERKH from its 52-week high?
Eureka Homestead Bancorp Inc trades at $13.92, about 16% below its 52-week high of $16.49 and 9% above the low of $12.81 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $12.11 is for.
Which stocks are comparable to Eureka Homestead 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 Eureka Homestead Bancorp Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $13.92, calculated fair value $12.11 (−13%), Quality Score 40/100, from 1 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 ERKH calculated?
We run Eureka Homestead Bancorp Inc through 1 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 $12.11, 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 14.1 % above its aggregate fair value. Eureka Homestead 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 Eureka Homestead Bancorp Inc (ERKH)?
The closing price on Sep 23, 2026 was $13.92. Our model-based fair value is $12.11, about −13% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Eureka Homestead Bancorp Inc right now?
A fairly wide model range ($9.04 to $18.08) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Eureka Homestead Bancorp Inc
How large is the market capitalisation of Eureka Homestead Bancorp Inc (ERKH)?
The market capitalisation of Eureka Homestead Bancorp Inc is $13.0M. 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 Eureka Homestead Bancorp Inc (ERKH)?
The price-to-sales ratio of Eureka Homestead Bancorp Inc is 6.89 (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 Eureka Homestead Bancorp Inc (ERKH)?
Earnings per share at Eureka Homestead Bancorp Inc are $0.0600 (price ÷ EPS = P/E 232.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Eureka Homestead Bancorp Inc (ERKH)?
The net margin of Eureka Homestead Bancorp Inc is −11.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Eureka Homestead Bancorp Inc (ERKH)?
The return on equity (ROE) of Eureka Homestead Bancorp Inc is −2.7% (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 Eureka Homestead Bancorp Inc (ERKH)?
On an EBIT basis the return on assets of Eureka Homestead Bancorp Inc is 0.1% (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 Eureka Homestead Bancorp Inc (ERKH)?
The operating margin of Eureka Homestead Bancorp Inc is −52.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Eureka Homestead Bancorp Inc (ERKH)?
Revenue at Eureka Homestead Bancorp Inc is growing −11.6% versus a year earlier (3y avg +2.6%). 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 Eureka Homestead Bancorp Inc (ERKH)?
Earnings per share at Eureka Homestead Bancorp Inc are growing +29.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Eureka Homestead Bancorp Inc (ERKH) generate?
The free cash flow of Eureka Homestead Bancorp Inc is −$470K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Eureka Homestead Bancorp Inc (ERKH) carry?
The net debt of Eureka Homestead Bancorp Inc is $3.5M (fiscal year 2025). 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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Thin data
Sep 24, 2026