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West Shore Bank Corp (WSSH) Fair Value & Analysis

Financial Services · US · Market cap $52.6M

Price$42.80
Fair Value$65.92
Upside+54.0%
Quality95/100
Evidence: High Range $49.44 – $82.41

Fair value as of: Jun 26, 2026

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Analysis

West Shore Bank Corp (WSSH) currently trades at $42.80, while our model-based Fair Value estimate is $65.92 — implying the stock looks roughly 54.0% undervalued today. We read business quality at 95/100 (high 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.

About the company

West Shore Bank Corp. operates as the bank holding company for West Shore Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, money market, certificates of deposit, and individual retirement accounts. Its loan products include auto, recreational, personal term, commercial real estate, small business administration, municipal, business term, and home mortgage and equity loans; business lines of credit; and letters of credit. The company also offers ATM/debit, credit, and gift and travel cards; wealth planning process, investment management, trusts and estates, retirement planning, west shore investment services; savings bonds; and direct deposit, overdraft, safe deposit boxes, wire transfer, remote deposit capture, merchant card, ACH and wire, sweep accounts, positive pay, bill pay, and online and mobile banking services. The company was founded in 1898 and is based in Ludington, Michigan.

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Frequently asked questions

Is West Shore Bank Corp (WSSH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $65.92 versus a price of $42.80 — about +54% (undervalued). Model-based estimate, not financial advice.
What is the fair value of WSSH?
Our 21-model fair value for West Shore Bank Corp is $65.92 (as of Jun 26, 2026), built from audited fundamentals. The current price is $42.80.
What is the quality score of WSSH?
West Shore Bank Corp 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.