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Graystone Company Inc (GYST) fair value: what the stock is really worth

As of Oct 22, 2026: fair value (intrinsic value) of Graystone Company Inc stock $0.00, price $0.00, upside +0.0%, quality 56 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US

GC Graystone Company Inc logo Thin data Nov 10, 2026

Graystone Company Inc

GYST · US
Fairly valued, in a downtrend

The stock costs about what our calculation considers fair.

Low debt
Fair value $0.0015 · Fairly valued
Quality 56/100
Revenue last quarter 39% below a year ago.
Weak Growth (revenue YoY −16.3 %/yr in USD)
Loss-making · -3.2% net margin (FY2024)
Negative free cash flow
Trails peers (3/10)
Narrow moat 6/100 · thin data
Thin data
Estimate⚠ 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

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Price vs Fair Value

$0.0710 $0.0009 Fair Value $0.0015 Apr 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $0.0009 – $0.0710 · fair‑value band $0.0015 – $0.0015 · the $0.0015 price screens below the $0.0015 fair value. As of Nov 10, 2026.

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Company profile

The Graystone Company, Inc., a financial services company, provides mortgage services and investment solutions. It offers home purchase, home refinance, and commercial lending solutions. The company is based in Plantation, Florida.

Stock analysis

Graystone Company Inc (GYST) currently trades at $0.0015, while our estimate is $0.0015, so the stock looks roughly fairly valued today (gap 0.0%).

Show more

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $0.0015 (bear) to $0.0015 (bull), the price of $0.0015 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 56/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak, negative or inconsistent.

Graystone Company Inc reported revenue of $4.6M in FY2024 versus $392K in FY2014, a compound +27.8%/yr. Reported net income was −$147K in FY2024.

Key figures

Market cap $1.0M Micro · P/S ratio 8.21 · EPS (TTM) $2,382 · Net margin −3.2% · Return on equity −142% · Return on assets (EBIT) −106% (4-year average) · Revenue growth (YoY) −39.0% · Free cash flow −$147K.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 6 out of 100 (low confidence).

What moves the price

The share trades about 57% below its 52-week high and 50% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 0%, GYST screens cheaper than that median.

Fair Value

Bear $0.0015 Fair Value $0.0015 Bull $0.0015
Price $0.0015 · Upside +0.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 56/100

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

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 15
Do the profits arrive as real cash?
Financial strength 95
Debt, balance sheet and risk of trouble
Investment 50
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 11
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 10
Distance to the 52-week high, does not count
New shares 82
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. 0/100
Revenue growth is weak, negative or inconsistent.
Revenue growth 1 year
−16.3%
Revenue growth 14 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.
+34.9%
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.
70.2% (2010) → −3.1% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
not computed

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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.Mortgage Finance · 55 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 56 · Above median
Fair Value upside +0.0% · Below median
Profitability
Return on assets −12.7% · Bottom 25%
Net margin (12 months) −3.2% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −39.0% · Bottom 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/B 0.89× · Cheaper than median
P/S (12 months) 8.21× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 41
FUTURE (revenue growth)0 · sector 31
PAST (return on equity)0 · sector 32
HEALTH (low debt)100 · sector 2
DIVIDEND (yield)0 · sector 100

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 Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
PennyMac Financial Services, Inc PFSI $62.85 $125.39 +100% vs GYST
LIC Housing Finance Limited LICHSGFIN ₹551.90 ₹1,040 +88% vs GYST
PNB Housing Finance Limited PNBHOUSING ₹1,111 ₹1,329 +20% vs GYST
Aadhar Housing Finance Limited AADHARHFC ₹433.35 ₹497.00 +15% vs GYST
Sammaan Capital Limited SAMMAANCAP ₹134.67 ₹133.69 −1% vs GYST
Walker & Dunlop, Inc WD $39.97 $32.07 −20% vs GYST
Bajaj Housing Finance Limited BAJAJHFL ₹81.16 ₹39.96 −51% vs GYST
Home First Finance Company HOMEFIRST ₹1,079 ₹226.97 −79% vs GYST
UWM Holdings UWMC $1.38 $0.2200 −84% vs GYST
Rocket Companies, Inc RKT $14.45 $1.79 −88% vs GYST

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Graystone Company Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Graystone Company Inc Fair Value". https://www.fairvalue-calculator.com/stock/GYST

Frequently asked questions

Is Graystone Company Inc (GYST) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $0.0015 versus the last price from Oct 22, 2026 of $0.0015, about +0% upside (fairly valued).
What is the fair value of GYST?
Our estimate for Graystone Company Inc is $0.0015 (as of Nov 10, 2026), built from audited fundamentals. Last price (from Oct 22, 2026): $0.0015.
What is the quality score of GYST?
Graystone Company Inc has a Quality Score of 56/100. 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 Graystone Company Inc (GYST)?
Our calculated price target is the estimate of $0.0015 (as of Nov 10, 2026). Cautious scenario $0.0015, optimistic scenario $0.0015. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Graystone Company Inc stock forecast for 2026?
Our estimate puts fair value at $0.0015, about +0% upside versus the last price from Oct 22, 2026 of $0.0015 (fairly valued). Cautious scenario $0.0015, optimistic scenario $0.0015. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Graystone Company Inc (GYST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Graystone Company Inc it is $0.0015 per share (as of Nov 10, 2026), against a price of $0.0015.
Is Graystone Company Inc stock overvalued or undervalued in 2026?
As of Nov 10, 2026, GYST trades below its calculated fair value: price $0.0015, fair value $0.0015, a gap of about +0% (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 GYST?
No. The price is what the market pays today ($0.0015); the fair value is what the company's own numbers justify ($0.0015). For Graystone Company Inc the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Graystone Company Inc worth?
The market values Graystone Company Inc at about $1.0M (market capitalisation, as of Nov 10, 2026). Per share that is $0.0015; our models calculate a fair value of $0.0015 per share.
What do the bullish and bearish scenarios say about GYST?
Our models span a range for Graystone Company Inc: cautious scenario $0.0015, base $0.0015, optimistic $0.0015 per share (as of Nov 10, 2026, price $0.0015). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Graystone Company Inc (GYST)?
Balance-sheet figures for Graystone Company Inc (as of Nov 10, 2026): return on equity −141.9%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is GYST from its 52-week high?
Graystone Company Inc trades at $0.0015, about 57% below its 52-week high of $0.0035 and 50% above the low of $0.0010 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0015 is for.
Which stocks are comparable to Graystone Company Inc?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance 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 Graystone Company Inc stock attractive at the current price?
The data as of Nov 10, 2026: price $0.0015, calculated fair value $0.0015 (+0%), Quality Score 56/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Graystone Company 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 Graystone Company Inc (GYST)?
The latest price we hold is from Oct 22, 2026 and stands at $0.0015. Our estimate is $0.0015, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Graystone Company Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band ($0.0015 to $0.0015), unusually little disagreement for a valuation. 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 Graystone Company Inc

How large is the market capitalisation of Graystone Company Inc (GYST)?
The market capitalisation of Graystone Company Inc is $1.0M. 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 Graystone Company Inc (GYST)?
The price-to-sales ratio of Graystone Company Inc is 8.21 (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 Graystone Company Inc (GYST)?
Earnings per share at Graystone Company Inc are $2,382. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Graystone Company Inc (GYST)?
The net margin of Graystone Company Inc is −3.2% (fiscal year 2024). 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 Graystone Company Inc (GYST)?
The return on equity (ROE) of Graystone Company Inc is −142% (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 Graystone Company Inc (GYST)?
On an EBIT basis the return on assets of Graystone Company Inc is −106% (avg 4y). 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.
How fast is revenue growing at Graystone Company Inc (GYST)?
Revenue at Graystone Company Inc is growing −39.0% versus a year earlier (3y avg +133%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Graystone Company Inc (GYST) generate?
The free cash flow of Graystone Company Inc is −$147K (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Graystone Company Inc (GYST) hold?
Graystone Company Inc holds more cash than debt, $510K net (fiscal year 2023). The company holds more cash than debt, a safety cushion.
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