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Fleetwood Bank Pa Capital (FLEW) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Fleetwood Bank Pa Capital stock $82.41, price $84.00, that is 1.9% below the price, quality 43 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FB Fleetwood Bank Pa Capital logo Broad data Nov 4, 2026

Fleetwood Bank Pa Capital

FLEW · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Solidly profitable · 17.4% net margin (TTM)
2.4% dividend yield · Low payout
Broad data
Fair value $82.41 · Fairly valued
Quality 43/100
Mixed Growth (revenue 5y +9.8 %/yr in USD)
Moderate moat 51/100 · thin data
Trails peers (5/13)
⚠ 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

$87.00 $40.22 Fair Value $82.41 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $40.22 – $87.00 · fair‑value band $61.81 – $103.02 · the $84.00 price screens above the $82.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Fleetwood Bank Corporation operates as the bank holding company for Fleetwood Bank that provides various banking products and services in the United States.

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The company accepts checking, savings, money market, individual retirement accounts, student banking, and term certificate accounts, as well as certificates of deposit.

It also offers consumer, personal, and automobile loans; residential and commercial mortgage, home equity, and other consumer loans; student loans; and commercial and agricultural, commercial construction, residential tract development, commercial term, and small business administration guaranteed loans, as well as working capital lines of credit.

In addition, the company provides bounceless overdraft protection; credit and debit cards; cash management; merchant capture; merchant services; money orders and official checks; night depository; notary and medallion signature guarantees; safe deposit box; wire transfer; ATM cards; and international currency purchase services.

It serves customers located in Berks and surrounding counties of Pennsylvania. Fleetwood Bank Corporation was founded in 1907 and is headquartered in Fleetwood, Pennsylvania.

Stock analysis

Fleetwood Bank Pa Capital (FLEW) currently trades at $84.00, while our model-based Fair Value estimate is $82.41, so the stock looks roughly fairly valued today (gap 1.9%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of $87.90 per share, and 2 of the 6 models we run sit above the $84.00 price.

Bear case: the Dividend Discount group reads lowest at $37.39, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $61.81 (bear) to $103.02 (bull), the price of $84.00 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 43/100 (below-average quality), in the Financial Services sector.

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

Fleetwood Bank Pa Capital reported revenue of $16.8M in FY2025 versus $10.6M in FY2021, a compound +12.1%/yr. Reported net income was $2.4M in FY2025, compounding +14.9%/yr from FY2021.

Key figures

Market cap $25.0M Micro · P/E ratio 10.6 · P/S ratio 1.85 · EPS (TTM) $7.91 · Dividend yield 2.4% · Net margin 17.4% · Return on equity 9.1% · Return on assets (EBIT) 0.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 63% 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 −2%, FLEW screens cheaper than that median.

Fair Value models

Bear $61.81 Fair Value $82.41 Bull $103.02
Price $84.00 · Downside -1.9%
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 ($5.07 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 $81.25 $87.90 $104.95 76
DDM Multi-Stage $19.43 $32.41 $44.15 66
Gordon GGM $19.43 $42.36 $71.14 65
All 6 models by family
Dividend Discount
Gordon GGM $19.43 $42.36 $71.14 65
DDM Multi-Stage $19.43 $32.41 $44.15 66
Multiples
P/E Multiple $77.53 $103.37 $129.22 63
P/B Multiple $46.08 $61.44 $76.81 55
Asset-Based
NCAV (Graham) $45.27 $60.67 $90.55 51
Economic Profit
Residual Income $81.25 $87.90 $104.95 76

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Quality Score breakdown

Overall quality 43/100

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

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 11
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 74
Does it invest with discipline instead of growing at any price?
Low Volatility 52
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 87
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. 57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+43.5%
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.
+13.0%
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.
+9.8%
Start year 2020 (pandemic)
Revenue growth 12 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.
+6.2%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+6.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.6%
Dividend (yield on the price)2.4%
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.11.0% vs 6.8%, picking up
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.15% → 17%
2025 sits 57% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

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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 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside −1.9% · Above median
Profitability
Return on equity (12 months) 9.1% · Below median
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 17.4% · Bottom 25%
Operating margin (12 months) 22.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 2.4% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.6× · Cheaper than median
P/B 0.89× · Cheaper than median
P/S (12 months) 1.85× · Cheapest 25%
Price / free cash flow (fiscal year) 182.2× · Priciest 25%
EV/EBITDA 5.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)31 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)36 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)48 · 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 FLEW
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FLEW
BNP Paribas SA BNP €91.93 €106.01 +15% vs FLEW
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FLEW
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FLEW
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FLEW
Mizuho Financial Group MFG $9.40 $5.89 −37% vs FLEW
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FLEW
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FLEW
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FLEW

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Fleetwood Bank Pa Capital: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Fleetwood Bank Pa Capital Fair Value". https://www.fairvalue-calculator.com/stock/FLEW

Frequently asked questions

Is Fleetwood Bank Pa Capital (FLEW) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $82.41 versus a price of $84.00, about 2% lower (fairly valued).
What is the fair value of FLEW?
Our model-based fair value for Fleetwood Bank Pa Capital is $82.41 (as of Nov 4, 2026), built from audited fundamentals. The current price: $84.00.
What is the quality score of FLEW?
Fleetwood Bank Pa Capital has a Quality Score of 43/100. 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 Fleetwood Bank Pa Capital (FLEW)?
Our model-based price target is the fair value of $82.41 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $61.81, optimistic scenario $103.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Fleetwood Bank Pa Capital stock forecast for 2026?
Our models put fair value at $82.41, about 2% lower versus a price of $84.00 (fairly valued). Cautious scenario $61.81, optimistic scenario $103.02. The calculation is refreshed regularly with new filings.
What is the revenue of Fleetwood Bank Pa Capital (FLEW)?
Fleetwood Bank Pa Capital reported trailing-twelve-month revenue of about $13.5M (latest available figure, as of Nov 4, 2026).
Does Fleetwood Bank Pa Capital pay a dividend?
Fleetwood Bank Pa Capital currently shows a dividend yield of 2.38% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Fleetwood Bank Pa Capital (FLEW) and when is the ex-dividend date?
Fleetwood Bank Pa Capital pays a dividend of $2.00 per share a year, a dividend yield of 2.4%. The last ex-dividend date was Oct 2, 2026. A dividend has been paid every year since 2011. The payout ratio is 25.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Fleetwood Bank Pa Capital (FLEW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fleetwood Bank Pa Capital it is $82.41 per share (as of Nov 4, 2026), against a price of $84.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Fleetwood Bank Pa Capital stock overvalued or undervalued in 2026?
As of Nov 4, 2026, FLEW trades above its calculated fair value: price $84.00, fair value $82.41, a gap of about −2% (fairly valued). 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 FLEW?
No. The price is what the market pays today ($84.00); the fair value is what the company's own numbers justify ($82.41). For Fleetwood Bank Pa Capital the two are $1.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fleetwood Bank Pa Capital worth?
The market values Fleetwood Bank Pa Capital at about $25.0M (market capitalisation, as of Nov 4, 2026). Per share that is $84.00; our models calculate a fair value of $82.41 per share.
What do the bullish and bearish scenarios say about FLEW?
Our models span a range for Fleetwood Bank Pa Capital: cautious scenario $61.81, base $82.41, optimistic $103.02 per share (as of Nov 4, 2026, price $84.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FLEW?
Fleetwood Bank Pa Capital trades at a price-to-earnings ratio of 10.6 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $82.41 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 11.3. Other multiples: P/B 0.9, P/S 1.8, EV/EBITDA 5.9.
How solid is the balance sheet of Fleetwood Bank Pa Capital (FLEW)?
Balance-sheet figures for Fleetwood Bank Pa Capital (as of Nov 4, 2026): return on equity 9.1%. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is FLEW from its 52-week high?
Fleetwood Bank Pa Capital trades at $84.00, about 3% below its 52-week high of $87.00 and 63% above the low of $51.54 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $82.41 is for.
Which stocks are comparable to Fleetwood Bank Pa Capital?
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 Fleetwood Bank Pa Capital stock attractive at the current price?
The data as of Nov 4, 2026: price $84.00, calculated fair value $82.41 (−2%), Quality Score 43/100, 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 FLEW calculated?
We run Fleetwood Bank Pa Capital through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $82.41 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. Fleetwood Bank Pa Capital 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 Fleetwood Bank Pa Capital (FLEW)?
The closing price on Nov 6, 2026 was $84.00. Our model-based fair value is $82.41, about 2% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fleetwood Bank Pa Capital right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Fleetwood Bank Pa Capital

How large is the market capitalisation of Fleetwood Bank Pa Capital (FLEW)?
The market capitalisation of Fleetwood Bank Pa Capital is $25.0M. 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 Fleetwood Bank Pa Capital (FLEW)?
The price-to-sales ratio of Fleetwood Bank Pa Capital is 1.85 (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 Fleetwood Bank Pa Capital (FLEW)?
Earnings per share at Fleetwood Bank Pa Capital are $7.91 (price ÷ EPS = P/E 10.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fleetwood Bank Pa Capital (FLEW)?
The dividend yield of Fleetwood Bank Pa Capital is 2.4% (payout 25.3%). 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 Fleetwood Bank Pa Capital (FLEW)?
The net margin of Fleetwood Bank Pa Capital is 17.4% (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 Fleetwood Bank Pa Capital (FLEW)?
The return on equity (ROE) of Fleetwood Bank Pa Capital is 9.1% (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 Fleetwood Bank Pa Capital (FLEW)?
On an EBIT basis the return on assets of Fleetwood Bank Pa Capital is 0.5% (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 Fleetwood Bank Pa Capital (FLEW)?
The operating margin of Fleetwood Bank Pa Capital is 22.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Fleetwood Bank Pa Capital (FLEW) generate?
The free cash flow of Fleetwood Bank Pa Capital is $137K (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 Fleetwood Bank Pa Capital (FLEW) carry?
The net debt of Fleetwood Bank Pa Capital is $8.2M (fiscal year 2025, ≈ 59.7 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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