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Hamilton Bancorp Inc (HABK) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Hamilton Bancorp Inc $0.00, price $0.00, upside +0.0%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · US

HB Hamilton Bancorp Inc logo Thin data Sep 27, 2026

Hamilton Bancorp Inc

HABK · US

Low PriorityFair Value upside is limited and quality is weak.

·Fair value $0.0001 · Fairly valued (+0.0%)
!Quality 50/100
!Weak Growth (revenue 3y −13.6 %/yr)
!Loss-making · -16.5% net margin (FY2000)
✓Low debt
!Trails peers (2/8)
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$0.0070 $0.0001 Fair Value $0.0001 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 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 Sep 27, 2026.

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Company profile

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

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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.

Stock analysis

Hamilton Bancorp Inc (HABK) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, so the stock looks roughly fairly valued today (gap 0.0%).

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Valuation

How firm this estimate is: it rests on 6 models at a data quality of 84/100, which puts the evidence level at low.

Quality & growth

The Quality Score stands at 50/100 (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.

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.

Key figures

Market cap $300 · EPS (TTM) $−2.79 · Net margin −16.5% · Return on equity −31.1% · Return on assets (EBIT) 0.5% · Operating margin −92.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 0%, HABK screens cheaper than that median.

Fair Value models

Bear $0.0001 Fair Value $0.0001 Bull $0.0001
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. 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. 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.
Highest evidence
FCF DCF $147.36 $188.75 $263.03 77
Growth DCF $152.14 $192.02 $258.07 76
5Y Revenue Exit $86.42 $94.67 $106.35 71
All 6 models by family
DCF Models
FCF DCF $147.36 $188.75 $263.03 77
5Y Revenue Exit $86.42 $94.67 $106.35 71
10Y Revenue Exit $110.03 $118.31 $125.70 65
Multiples
EV/Revenue $47.01 $52.50 $57.98 54
Asset-Based
NCAV (Graham) $14.99 $20.09 $29.99 54
Growth DCF
Growth DCF $152.14 $192.02 $258.07 76

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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)

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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. 21/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+12.2%
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.
−13.6%
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.
51.6% (1997) → −12.1% (2000)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
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.Banks - Regional · 1056 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside +0.0% · Above median
Profitability
Return on assets −1.8% · Bottom 25%
Net margin (TTM) −16.5% · Bottom 25%
Operating margin (TTM) −92.0% · Bottom 25%
Growth and dividend
Revenue growth 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.12× · Below median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 12
FUTURE (revenue growth)0 · sector 48
PAST (return on equity)0 · sector 41
HEALTH (low debt)94 · sector 84
DIVIDEND (yield)0 · sector 53

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
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
CaixaBank, S.A CABK €12.03 €8.46 −30%
ICICI Bank Limited ICICIBANK ₹1,311 ₹615.71 −53%

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

Frequently asked questions

Is Hamilton Bancorp Inc (HABK) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0001 versus the last price from Sep 25, 2026 of $0.0001, about +0% upside (fairly valued).
What is the fair value of HABK?
Our model-based fair value for Hamilton Bancorp Inc is $0.0001 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $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 price target for Hamilton Bancorp Inc (HABK)?
Our model-based price target is the fair value of $0.0001 (as of Sep 27, 2026) from 6 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Hamilton Bancorp Inc stock forecast for 2026?
Our models put fair value at $0.0001, about +0% upside versus the last price from Sep 25, 2026 of $0.0001 (fairly valued). The calculation is refreshed regularly with new filings.
What is the intrinsic value of Hamilton Bancorp Inc (HABK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hamilton Bancorp Inc it is $0.0001 per share (as of Sep 27, 2026), against a price of $0.0001. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Hamilton Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, HABK trades below its calculated fair value: price $0.0001, fair value $0.0001, 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 HABK?
No. The price is what the market pays today ($0.0001); the fair value is what the company's own numbers justify ($0.0001). For Hamilton Bancorp Inc the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hamilton Bancorp Inc worth?
The market values Hamilton Bancorp Inc at about $300 (market capitalisation, as of Sep 27, 2026). Per share that is $0.0001; our models calculate a fair value of $0.0001 per share.
How solid is the balance sheet of Hamilton Bancorp Inc (HABK)?
Balance-sheet figures for Hamilton Bancorp Inc (as of Sep 27, 2026): return on equity −31.1%, debt of 0.12 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is HABK from its 52-week high?
Hamilton Bancorp Inc trades at $0.0001, at its 52-week high of $0.0001 and at the low of $0.0001 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0001 is for.
Which stocks are comparable to Hamilton Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 Hamilton Bancorp Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0001, calculated fair value $0.0001 (+0%), Quality Score 50/100, 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 HABK calculated?
We run Hamilton Bancorp Inc through 6 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 $0.0001, 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 14.5 % above its aggregate fair value. Hamilton 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 Hamilton Bancorp Inc (HABK)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0001. Our model-based fair value is $0.0001, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hamilton Bancorp Inc right 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.

Key figures of Hamilton Bancorp Inc

How large is the market capitalisation of Hamilton Bancorp Inc (HABK)?
The market capitalisation of Hamilton Bancorp Inc is $300. 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 are the earnings per share of Hamilton Bancorp Inc (HABK)?
Earnings per share at Hamilton Bancorp Inc are $−2.79. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Hamilton Bancorp Inc (HABK)?
The net margin of Hamilton Bancorp Inc is −16.5% (fiscal year 2000). 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 Hamilton Bancorp Inc (HABK)?
The return on equity (ROE) of Hamilton Bancorp Inc is −31.1% (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 Hamilton Bancorp Inc (HABK)?
On an EBIT basis the return on assets of Hamilton Bancorp Inc is 0.5% (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.
What is the operating margin of Hamilton Bancorp Inc (HABK)?
The operating margin of Hamilton Bancorp Inc is −92.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
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