Honat Bancorp, Inc (HONT) Fair Value & Analysis

Financial Services · US · Market cap $197M

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

What matters 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $54.32 – $153.72 · fair‑value band $112.76 – $187.93 · the $140.71 price screens below the $150.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Honat Bancorp, Inc (HONT) currently trades at $140.71, while our model-based Fair Value estimate is $150.35, implying the stock looks roughly 6.9% fairly valued today. The Quality Score stands at 61/100 (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: high), always confirm before acting.

Over the trailing twelve months, Honat Bancorp, Inc generated revenue of $49.1M at a net margin of 35.5%. Revenue grew 15.4% year over year. It earns a return on equity of 12.1%. The balance sheet holds a net cash position of $4.8M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $112.76 (bear case) to $187.93 (bull case); at $140.71, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 7%, HONT 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.

Widest divergence: Multiples ($146.54) versus Asset-Based ($70.13). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Honat Bancorp, Inc. operates as a holding company for The Honesdale National Bank that provides banking services in the United States. The company offers checking, and savings and CDS; digital banking; and debit and credit cards.

Full company description

Honat Bancorp, Inc. operates as a holding company for The Honesdale National Bank that provides banking services in the United States. The company offers checking, and savings and CDS; digital banking; and debit and credit cards. It also offers personal installment loan, lifeline personal line of credit, home equity loan and home equity line of credit, student loan, and auto loans; mortgage services; trust services, including estate planning, safekeeping and important of wills, qualified pension plans, simplified employee pensions, guardianships, and custodial safekeeping of investments services; and financial services comprising investments, retirement planning, 401(k) Rollovers and IRAs, saving for college / private education, life and disability insurance, 529 educational savings plans, long-term care, stocks and bonds, fixed annuities, variable annuities, and wealth management services. In addition, the company provides business loans; cash management; merchant services; retirement and business solutions; investments; retirement and estate planning; insurance; and 529 savings plan. Honat Bancorp, Inc. was founded in 1836 and is headquartered in Honesdale, Pennsylvania.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Honat Bancorp, Inc reported revenue of $67.2M in FY2025 versus $36.4M in FY2021, a compound +16.6%/yr. Reported net income was $16.5M in FY2025, compounding +10.9%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

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.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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

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Frequently asked questions

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.