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WCF Bancorp, Inc (WCFB) Fair Value & Analysis

Financial Services · US · Market cap $11.2M

Price$6.05
Fair Value$4.32
Upside-28.6%
Quality95/100
Evidence: Medium Range $1.94 – $7.47

Fair value as of: Jun 26, 2026

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Analysis

WCF Bancorp, Inc (WCFB) currently trades at $6.05, while our model-based Fair Value estimate is $4.32 — implying the stock looks roughly 28.6% overvalued today. We read business quality at 95/100 (high 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: medium).

About the company

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides various banking products and services to individuals and businesses. The company offers checking and saving accounts; money market accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

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Frequently asked questions

Is WCF Bancorp, Inc (WCFB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $4.32 versus a price of $6.05 — about −29% (overvalued). Model-based estimate, not financial advice.
What is the fair value of WCFB?
Our 21-model fair value for WCF Bancorp, Inc is $4.32 (as of Jun 26, 2026), built from audited fundamentals. The current price is $6.05.
What is the quality score of WCFB?
WCF Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.