TEB Bancorp, Inc (TBBA) Fair Value & Analysis

Financial Services · US · Market cap $18.3M

Below-average quality, 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.
• A fairly wide model range ($5.38 to $10.76) leaves room in how you read the outcome.
• 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.

Price vs Fair Value (5 years)

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

How to read this chart

60‑month range $5.50 – $9.67 · fair‑value band $5.38 – $10.76 · the $7.26 price screens above the $7.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

TEB Bancorp, Inc (TBBA) currently trades at $7.26, while our model-based Fair Value estimate is $7.21, implying the stock looks roughly 0.7% fairly valued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).

Over the trailing twelve months, TEB Bancorp, Inc generated revenue of $10.5M at a net margin of -12.6%. Revenue declined 38.8% year over year. It earns a return on equity of -4.6%. Net debt stands at $4.4M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $5.38 (bear case) to $10.76 (bull case); at $7.26, 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 12% below its 52-week high and 30% 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 -1%, TBBA 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: Asset-Based ($7.21) versus Multiples ($0.3500). Highest evidence: EV/EBITDA (54).

Key figures & financial health

Quality Score breakdown

About the company

TEB Bancorp, Inc operates as the bank holding company for The Equitable Bank, S.S.B. that provides community banking services in the Metropolitan Milwaukee area, southeastern Wisconsin.

Full company description

TEB Bancorp, Inc operates as the bank holding company for The Equitable Bank, S.S.B. that provides community banking services in the Metropolitan Milwaukee area, southeastern Wisconsin. It offers personal and business deposit accounts, including checking, savings, money market, and health savings, as well as retirement, interest on lawyer trust, and interest bearing real estate trust accounts, and certificates of deposit. The company also provides lending products, such as mortgage, portfolio, personal, auto, and business loans, home equity, community lending, and leasing. In addition, it offers online services comprising online banking, mobile banking and deposit, bill payment, and account-to-account transfer, as well as investment, debit, and credit cards. The company was founded in 1927 and is based in Wauwatosa, Wisconsin. TEB Bancorp, Inc operates as a subsidiary of TEB MHC.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

TEB Bancorp, Inc reported revenue of $10.5M in FY2025 versus $23.7M in FY2021, a compound −18.5%/yr. Reported net income was −$1.3M in FY2025.

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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.