Kish Bancorp Inc (KISB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Kish Bancorp Inc $49.72, price $72.49, upside -31.4%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Kish Bancorp Inc
KISB · USWeak valuationQuality is weak on top of the rich price.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $13.41 – $75.00 · fair‑value band $37.29 – $62.14 · the $72.49 price screens above the $49.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
Kish Bancorp, Inc., a diversified financial services company, provides various banking products and services primarily in central Pennsylvania and the surrounding areas.
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Kish Bancorp, Inc., a diversified financial services company, provides various banking products and services primarily in central Pennsylvania and the surrounding areas. It offers personal banking services, such as personal checking accounts, personal saving accounts, health saving accounts, digital tools, cards, and account services; personal loans and credit that include mortgages, home equity loans, personal and student loans, and lone of credit; wealth management services, including trusts, estate administration, investment and trust management, asset protection, financial planning, risk management, investment advisory services, financial position analysis, and retirement income and wealth transfer services; insurance services, such as auto, homeowner and renters, farm, dwelling fire, flood, umbrella, motorcycle, boat, and recreational vehicles; and travel services, such as travel planning and insurance. It also provides business banking services, including business checking accounts, business checking with interest, analyzed business checking, state and municipal checking, and non-profit checking; business saving and cash management; business loans and credit, such as equipment and term loans, commercial real estate loans, agricultural loans, and professional loans; and business financial solutions that include retirement solutions, executive compensation, employee education, and business succession and protection. Additionally, it offers digital banking services; health savings account; individual retirement account; certificates of deposit; benefit consulting services; and commercial insurance products, including property, general liability, auto, business owners, workers' compensation, bonding, professional liability, trucking and transportation, religious organization, and farm and agriculture. Kish Bancorp, Inc. was founded in 1934 and is headquartered in Belleville, Pennsylvania.
Stock analysis
Kish Bancorp Inc (KISB) currently trades at $72.49, while our model-based Fair Value estimate is $49.72, implying the stock looks roughly 45.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $42.99 per share, and 0 of the 4 models we run sit above the $72.49 price.
Bear case: the Asset-Based group reads lowest at $20.57, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $37.29 (bear) to $62.14 (bull), the price of $72.49 sits above 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 45/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Kish Bancorp Inc reported revenue of $55.0M in FY2023 versus $35.1M in FY2019, a compound +11.9%/yr. Reported net income was $13.5M in FY2023, compounding +17.8%/yr from FY2019.
Key figures
Market cap $209M · P/E ratio 14.9 · P/S ratio 3.65 · EPS (TTM) $4.87 · Dividend yield 2.2% · Net margin 24.5% · Return on equity 16.6% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 99% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −31%, KISB screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 93
Revenue & earnings trend
Growth Forecast
KISB screens 46% overvalued. Compare with DBS Group →
Compare Kish Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Mizuho Financial Group MFG | $10.74 | $6.75 | −37% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Kish Bancorp Inc
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