URSB Bancorp, Inc. (URSB) Fair Value 2026

URSB · Banks - Regional ·

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

Quality Score

5.0 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, URSB Bancorp, Inc. (URSB) trades at $12.60. QOC: 5.0/10. Value Trap Risk: 0/100 (SAFE). 1/13 models active.

Key Facts

Ticker
URSB
Price
$12.60
Quality Score
5.0/10
Value Trap Risk
0/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Below-average Quality Score of 5.0/10 signals weak fundamentals

What Fair Value Does Each Model Give URSB?

1 Intrinsic Value Models vs. Current Price ($12.60)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Low Conviction
 $3.16 -74.9%

All Models Active

All 1 models are displayed above.

What Is URSB Bancorp, Inc. (URSB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, URSB Bancorp, Inc.'s intrinsic value is estimated at $3.16. Trading at its current price of $12.60, the valuation engine raises significant caution: 1 of 1 models flag downside risk, projecting a median implied return of -74.9%.

What Do the Models Say About URSB?

1 of 13 models are currently active for URSB. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does URSB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, URSB ranks #341 by Quality of Company score. CirclFi's QOC score of 5.0/10 evaluates 32 fundamental signals. A score of 5.0 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

URSB Bancorp, Inc.'s positioning within the Banks - Regional segment means that net interest margin (NIM) plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is URSB a Value Trap?

CirclFi's Value Trap algorithm assigns URSB 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

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

According to the CirclFi Quality of Company (QOC) framework, URSB Bancorp, Inc. earns a quality score of 5.0/10. This mixed rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every URSB 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 URSB's 1 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 URSB 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

FBSIFirst Bancshares, Inc.QOC 5.1FOTBFirst Ottawa Bancshares, Inc.QOC 4.8BMBNBenchmark Bankshares, Inc.QOC 5.1EWSBEWSB Bancorp, Inc.QOC 4.8BYFCBroadway Financial CorporationQOC 5.2CCNBCoastal Carolina Bancshares, Inc.QOC 4.7HAFCHanmi Financial CorporationQOC 8.4BWBBridgewater Bancshares, Inc.QOC 8.0MYFWFirst Western Financial, Inc.QOC 7.5ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FBSI · FOTB · BMBN · EWSB · BYFC · CCNB · HAFC · BWB · MYFW · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to URSB?

7 companies across all industries closest to URSB’s Quality of Company score of 5.0/10.

TCRTAlaunos Therapeutics, Inc.QOC 5.0FVRFrontView REIT, Inc.QOC 5.0NMGNouveau Monde Graphite Inc.QOC 5.0PALXPalomino Laboratories Inc.QOC 5.0KODKodiak Sciences Inc.QOC 5.0DEFTDeFi Technologies Inc.QOC 5.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: TCRT · FVR · NMG · PALX · KOD · DEFT · NVDA

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

URSB 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 URSB Bancorp, Inc.’s Valuation?

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

CirclFi does not yet have enough active models to publish a median fair value for URSB Bancorp, Inc. (URSB). The Quality of Company score is 5.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is URSB overvalued or undervalued right now?

At $12.60, 0 of 1 active models suggest URSB may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits URSB Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.0 mean for URSB?

URSB Bancorp, Inc.'s QOC of 5.0/10 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 URSB?

CirclFi analyzes URSB 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 1 of 13 are active for this stock. Read the full methodology →

Is URSB a value trap in 2026?

URSB Bancorp, 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 — “CirclFi assigns URSB Bancorp, Inc. (URSB) a Quality of Company score of 5.0/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/URSB/ · Methodology
Primary sources for this URSB valuation
  • Financial statements: URSB Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002084261) — 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 URSB as of ; valuations recomputed .