Steele Bancorp Inc. (STLE) Fair Value 2026

STLE · Banks - Regional ·

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

Quality Score

7.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-08-27, Steele Bancorp Inc. (STLE) trades at $46.25, versus a $76.16 median fair value across its 5 active models — 64.7% above the current price. QOC: 7.8/10. Value Trap Risk: 20/100 (SAFE). 5/13 models active.

Key Facts

Ticker
STLE
Price
$46.25
Quality Score
7.8/10
Value Trap Risk
20/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +123.6% upside with 3% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Steele Bancorp Inc. (STLE) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Steele Bancorp Inc. (STLE) appears undervalued as of : the median of 5 independent fair value estimates is $76.16, 64.7% above the current price of $46.25. Estimates range from $47.12 to $275.70. STLE scores 7.8/10 on fundamental quality and 20/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. STLE’s +64.7% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. 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 Steele Bancorp Inc. Stock in 2026? →

What Fair Value Does Each Model Give STLE?

5 Intrinsic Value Models vs. Current Price ($46.25)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $103.39 +123.6%
Intrinsic · High Conviction
 $76.16 +64.7%
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What Is STLE's Fair Value Range?

Spread across 5 independent models · $47.12 to $275.70

CirclFi's 5 active models place Steele Bancorp Inc. (STLE) between $47.12 and $275.70 per share, a spread of 300% of the median. The median of that range — $76.16 — is the fair value CirclFi publishes for STLE, against a current price of $46.25.

Low · FTNNHigh · ML-RIV
$47.12median $76.16$275.70
Where the range comes from
Most bearish modelFTNN Topology$47.12
Most bullish modelML Residual Income$275.70
Model agreement4 bullish · 0 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for STLE. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on STLE, not a CirclFi price target. How each model works →

What Is Steele Bancorp Inc. (STLE) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for Steele Bancorp Inc.. Trading at $46.25 against an estimated intrinsic value of $76.16, 4 of 5 active models flag meaningful upside of +64.7% at the median. The most optimistic model, ML-RIV, places fair value at $275.70 (+496.1%), while FTNN — the most conservative — estimates $47.12 (+1.9%). This +494.2% gap reflects genuine analytical uncertainty about Steele Bancorp Inc.'s intrinsic worth.

What Do the Models Say About STLE?

5 of 13 models are currently active for STLE. All 5 active models suggest the stock trades below fair value. Taken together, their median fair value for STLE is $76.16 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does STLE Rank in Banks - Regional?

Among 349 Banks - Regional stocks, STLE ranks #229 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to banking businesses. For Steele Bancorp Inc., metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.

Is STLE a Value Trap?

CirclFi's Value Trap algorithm assigns STLE a score of 20/100 (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

5 of 13 models are active for Steele Bancorp Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Steele Bancorp Inc. scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +494.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every STLE 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 STLE's 5 active models, average confidence is 32%. 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 Steele Bancorp 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

USBU.S. BancorpQOC 7.8LCNBLCNB Corp.QOC 7.8CBFVCB Financial Services, Inc.QOC 7.8BHRBBurke & Herbert Financial Services Corp.QOC 7.8FMBMF & M Bank Corp.QOC 7.8FMNBFarmers National Banc Corp.QOC 7.7NEWTNewtekOne, Inc.QOC 6.7CCNECNB Financial CorporationQOC 8.5HDBHDFC Bank LimitedQOC 8.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: USB · LCNB · CBFV · BHRB · FMBM · FMNB · NEWT · CCNE · HDB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to STLE?

6 companies across all industries closest to STLE’s Quality of Company score of 7.8/10.

PTONPeloton Interactive, Inc.QOC 7.8SCHLScholastic CorporationQOC 7.8CDPCOPT Defense PropertiesQOC 7.8EYENational Vision Holdings, Inc.QOC 7.8FORMFormFactor, Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PTON · SCHL · CDP · EYE · FORM · NVDA

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

STLE 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 Steele Bancorp Inc.’s Valuation?

What is Steele Bancorp Inc.'s intrinsic value in 2026?

CirclFi puts Steele Bancorp Inc. (STLE)'s intrinsic value at $76.16 — the median of 5 independent model estimates as of 2026-08-27, ranging from $47.12 to $275.70. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is STLE overvalued or undervalued right now?

At $46.25, 5 of 5 active models suggest STLE may be undervalued, while 0 indicate potential overvaluation. The median of all 5 fair value estimates is $76.16, 64.7% above the current price of $46.25 — a consensus view that STLE is undervalued. The assessment depends on which methodology best fits Steele Bancorp Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for STLE?

Steele Bancorp Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on STLE?

CirclFi analyzes STLE 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 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on STLE?

Of the 5 models currently active on STLE, ML Residual Income is the most bullish at $275.70 per share, and FTNN Topology is the most bearish at $47.12. CirclFi's published fair value for STLE is the median of that range, $76.16, not either extreme. The gap between the two ends equals 300% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is STLE a value trap in 2026?

Steele Bancorp Inc.'s Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Steele Bancorp Inc. (STLE) has a median fair value of $76.16 — 64.7% above the current price of $46.25 — as of 2026-08-27.” Source: circlfi.com/stock/STLE/ · Methodology
Primary sources for this STLE valuation
  • Financial statements: Steele Bancorp Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000779227) — 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 STLE as of ; valuations recomputed .

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