Benchmark Bankshares, Inc. (BMBN) Fair Value 2026

BMBN · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.1 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-10-07, Benchmark Bankshares, Inc. (BMBN) trades at $43.48, versus a $57.64 median fair value across its 2 active models — 32.6% above the current price. QOC: 5.1/10. Value Trap Risk: 0/100 (SAFE). 2/13 models active.

Key Facts

Ticker
BMBN
Price
$43.48
Quality Score
5.1/10
Value Trap Risk
0/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +54.5% upside with 10% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is Benchmark Bankshares, Inc. (BMBN) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, Benchmark Bankshares, Inc. (BMBN) appears undervalued as of : the median of 2 independent fair value estimates is $57.64, 32.6% above the current price of $43.48. Estimates range from $48.09 to $67.19. BMBN scores 5.1/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. BMBN’s +32.6% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Benchmark Bankshares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BMBN?

2 Intrinsic Value Models vs. Current Price ($43.48)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Low Conviction
 $48.09 +10.6%
Relative · Low Conviction
 $67.19 +54.5%

All Models Active

All 2 models are displayed above.

What Is Benchmark Bankshares, Inc. (BMBN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Benchmark Bankshares, Inc. is potentially undervalued at its current price of $43.48. Based on our 13-model framework, Benchmark Bankshares, Inc.'s intrinsic value is estimated at a median fair value of $57.64 — representing +32.6% implied upside — with 2 out of 2 active models confirming this thesis. Model dispersion is worth noting: Regime Cross targets $67.19 (+54.5%), versus Markov DDM at $48.09 (+10.6%). This +43.9% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About BMBN?

2 of 13 models are currently active for BMBN. All 2 active models suggest the stock trades below fair value. Taken together, their median fair value for BMBN is $57.64 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BMBN Rank in Banks - Regional?

Among 352 Banks - Regional stocks, BMBN ranks #342 by Quality of Company score. CirclFi's QOC score of 5.1/10 evaluates 32 fundamental signals. A score of 5.1 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Benchmark Bankshares, Inc. operates in a sector where cost-to-income ratio is a critical driver of valuation. Investors evaluating BMBN should weigh these sector-specific dynamics alongside our model-derived fair values.

Is BMBN a Value Trap?

CirclFi's Value Trap algorithm assigns BMBN a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for Benchmark Bankshares, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Benchmark Bankshares, Inc.'s fundamental quality profile registers 5.1/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +43.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BMBN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BMBN's 2 active models, average confidence is 11%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Benchmark Bankshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BYFCBroadway Financial CorporationQOC 5.2FBSIFirst Bancshares, Inc.QOC 5.1BSPABallston Spa Bancorp, Inc.QOC 5.3URSBURSB Bancorp, Inc.QOC 5.0MGNOMagnolia Bancorp, Inc.QOC 5.4FOTBFirst Ottawa Bancshares, Inc.QOC 4.8CLSTCatalyst Bancorp, Inc.QOC 8.4INDBIndependent Bank Corp.QOC 8.0FSBWFS Bancorp, Inc.QOC 7.5STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: BYFC · FBSI · BSPA · URSB · MGNO · FOTB · CLST · INDB · FSBW · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to BMBN?

7 companies across all industries closest to BMBN’s Quality of Company score of 5.1/10.

EVFEaton Vance Senior Income TrustQOC 5.1OMQSOMNIQ Corp.QOC 5.1TJGCTJGC Group LimitedQOC 5.1MRLNMerlin, Inc.QOC 5.1FULCFulcrum Therapeutics, Inc.QOC 5.1KAPAKairos Pharma, Ltd.QOC 5.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EVF · OMQS · TJGC · MRLN · FULC · KAPA · NVDA

Where Does BMBN Sit in CirclFi's Banks - Regional Rankings?

BMBN is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Benchmark Bankshares, Inc.’s Valuation?

What is Benchmark Bankshares, Inc.'s intrinsic value in 2026?

CirclFi puts Benchmark Bankshares, Inc. (BMBN)'s intrinsic value at $57.64 — the median of 2 independent model estimates as of 2026-10-07, ranging from $48.09 to $67.19. The Quality of Company score is 5.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BMBN overvalued or undervalued right now?

At $43.48, 2 of 2 active models suggest BMBN may be undervalued, while 0 indicate potential overvaluation. The median of all 2 fair value estimates is $57.64, 32.6% above the current price of $43.48 — a consensus view that BMBN is undervalued. The assessment depends on which methodology best fits Benchmark Bankshares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.1 mean for BMBN?

Benchmark Bankshares, Inc.'s QOC of 5.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on BMBN?

CirclFi analyzes BMBN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is BMBN a value trap in 2026?

Benchmark Bankshares, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, Benchmark Bankshares, Inc. (BMBN) has a median fair value of $57.64 — 32.6% above the current price of $43.48 — as of 2026-10-07.” Source: circlfi.com/stock/BMBN/ · Methodology
Primary sources for this BMBN valuation
  • Financial statements: Benchmark Bankshares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000804563) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BMBN as of ; valuations recomputed .