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Hamilton Bancorp Inc (HABK) Fair Value & Analysis

Financial Services · US · Market cap $300

HB Hamilton Bancorp Inc logo Hamilton Bancorp Inc HABK · US
Price$0.0001
Fair Value$0.0001
Upside+0.0%
Quality50/100
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Weak Growth
Thin margins · 0.0% net margin
Low debt
Trails peers (2/8)
Narrow moat 17/100
Evidence: Low Range $0.0001 – $0.0001 Share as image

Fair value as of: Aug 18, 2026

From 6 valuation models · updated today

A solid business, currently priced close to our fair value.

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What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • 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.
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Price vs Fair Value (5 years)

$0.0070 $0.0001 Fair Value $0.0001 Jun 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 18, 2026.

How to read this chart

60‑month range $0.0001 – $0.0070 · the $0.0001 price screens below the $0.0001 fair value. Dashed = 300-day average. As of Aug 18, 2026.

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Analysis

Hamilton Bancorp Inc (HABK) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, implying the stock looks roughly 0.0% fairly valued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Trailing-twelve-month revenue stands at $6.0M. It earns a return on equity of -31.1%. Fundamentals as of Aug 18, 2026

The share trades near its 52-week high, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at 0%, HABK screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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
Highest evidence
Growth DCF $124.71 $146.22 $178.25 80
NCAV (Graham) $14.99 $20.09 $29.99 50
EV/Revenue $47.01 $52.50 $57.98 43
All 6 models by family
DCF Models
FCF DCF $122.48 $145.39 $182.27 38
5Y Revenue Exit $82.33 $89.60 $99.89 39
10Y Revenue Exit $100.90 $107.49 $113.30 36
Multiples
EV/Revenue $47.01 $52.50 $57.98 43
Asset-Based
NCAV (Graham) $14.99 $20.09 $29.99 50
Growth DCF
Growth DCF $124.71 $146.22 $178.25 80

Widest divergence: Growth DCF ($146.22) versus Asset-Based ($20.09). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $6.0M
Return on equity -31.1%
Operating margin -92.0%
EPS (TTM) $-2.79

Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 50 · Market factors (momentum, volatility) 54

Profitability 5
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 25
Balance sheet, leverage, solvency risk
Investment 83
Disciplined investing over empire-building
Low Volatility 92
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 33
Distance to the 52-week high (market factor)

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank that provides various banking products and services in the United States.

Full company description

Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank that provides various banking products and services in the United States. The company offers deposit products, including money market, statement savings, NOW, individual retirement, and noninterest-bearing demand accounts, as well as certificates of deposit; and residential mortgage, commercial real estate, commercial business, construction, and other consumer loans, as well as home equity loans and lines of credit. It also provides certificate of deposit account registry service programs; and ATMs, online banking, and remote deposit capture services. Hamilton Bancorp Inc. was founded in 1915 and is based in Towson, Maryland.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY1997 – FY2000 · reported fiscal years

Hamilton Bancorp Inc reported revenue of $31.2M in FY2000 versus $48.4M in FY1997, a compound −13.6%/yr. Reported net income was −$5.2M in FY2000.

Growth Quality 21/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2000)
$31.2M
Latest YoY
+12.2%
Avg. growth/yr (3Y) 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.
−13.6%
Revenue −13.6%/yr
FY97 $48.4M
FY98 $39.1M
FY99 $27.8M
FY00 $31.2M
Net income
FY97 $15.9M
FY98 $7.5M
FY99 −$2.2M
FY00 −$5.2M

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Cite: Fair Value Calculator (2026). "Hamilton Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/HABK

Peer Group

Banks - Regional · 1085 stocks

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.

Quality Score 49 · Below median
Fair Value upside +0% · Above median
Return on assets -2% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) -92% · Bottom 25%
Revenue growth 0% · Below median
Debt / equity 0.12× · Lower than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 33 · sector 33
FUTURE 0 · sector 44
PAST 0 · sector 41
HEALTH 94 · sector 85
DIVIDEND 0 · sector 56

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).

Stock Price Fair Value vs Fair Value
PT Bank Central Asia Tbk BBCA 6,350 IDR 4,637 IDR -27%
KB Financial Group 105560 168,100 KRW 220,258 KRW +31%
PT Bank Rakyat Indonesia (Persero) Tbk BBRI 3,110 IDR 3,792 IDR +22%
PT Bank Mandiri (Persero) Tbk BMRI 4,130 IDR 6,067 IDR +47%
Banco Bradesco S.A BBD 5,120 ARS 8,400 ARS +64%
Shinhan Financial Group 055550 103,800 KRW 146,032 KRW +41%
Hana Financial Group 086790 127,900 KRW 210,506 KRW +65%
Lloyds Banking Group LYG 4,138 ARS 8,275 ARS +100%
Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB 59,500 VND 45,959 VND -23%
Woori Financial Group 316140 33,000 KRW 60,758 KRW +84%

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Frequently asked questions

Is Hamilton Bancorp Inc (HABK) overvalued or undervalued?
As of Aug 18, 2026, our model estimates a fair value of $0.0001 versus a price of $0.0001, about +0% (fairly valued).
What is the fair value of HABK?
Our model-based fair value for Hamilton Bancorp Inc is $0.0001 (as of Aug 18, 2026), built from audited fundamentals. The current price is $0.0001.
What is the quality score of HABK?
Hamilton Bancorp Inc has a Quality Score of 50/100. 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 revenue of Hamilton Bancorp Inc (HABK)?
Hamilton Bancorp Inc reported trailing-twelve-month revenue of about $6.0M (latest available figure, as of Aug 18, 2026).
What is the net profit margin of HABK?
The net profit margin of Hamilton Bancorp Inc is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

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.

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