KISB · bank / insurer · relative-multiples view
Kish Bancorp, Inc. (KISB): Valuation Snapshot
Kish Bancorp, Inc. (KISB) is a bank, insurer or other financial, and a discounted-cash-flow model is the wrong lens for one, so TickerWorth does not publish a DCF fair value for it. What its filings and market data do show is below. Snapshot as of Oct 19, 2026.
Model by Miraaj Patel · generated from public market data · Updated Oct 19, 2026 · How these pages are made
How is a bank like KISB valued?
This is a bank / insurer / financial. A free-cash-flow DCF is structurally the wrong lens here (their debt and float are raw material, not financing), so we don't publish one. Our bank model (justified price-to-book) declined to value it too: no return on equity is reported, and it is the model's key input. The price-to-book and price-to-earnings figures below are context for comparison, not a fair value.
Bank model (justified price-to-book)
Not published. No return on equity is reported, and it is the model's key input.
What is KISB's TickerWorth Score?
Scores higher than most companies we compare it with
Compared with Financial Services companies in US
Its strongest point: trades below our estimate of what it's worth.
we couldn't check enough to award higher
- Value · 74 of 100
Cheaper than 74% of Financial Services companies in US
- Price vs worth · 91 of 100
- Quality · — of 100
- Financial health · — of 100
- Growth · — of 100
- Momentum · 79 of 100
Outperformed 79% of Financial Services companies in US over the past year
Confidence: Low confidence · Scored
Get the Undervalued Company of the Week.
- Price
- $69.61
- Market cap
- $211,
000, 576 - 52-week high
- $76.00
- 52-week low
- $39.60
- Currency
- USD
- Exchange
- OTC Markets OTCQX
Snapshot of Oct 19, 2026, quote time not published · Prices are delayed.
What we can say
Kish Bancorp, Inc. (KISB) is a bank, insurer or other financial, and a free-cash-flow discounted-cash-flow (DCF) model is structurally the wrong lens for it: for these businesses debt and float are raw material, not financing, so there is no meaningful 'free cash flow' to discount. Instead of a misleading intrinsic-value number, this page reads KISB the way financials are actually valued — on relative multiples such as price-to-earnings and, above all, price-to-book — plus a plain description of where the stock trades. It is a descriptive snapshot, not a valuation, and not investment advice.
Read the full reasoning
On the numbers we do have, KISB trades at a recent price of $69.61, a market capitalisation of about $211,000,576, sitting 82% of the way up its 52-week range ($39.60–$76.00), on the OTC Markets OTCQX.
The standard alternative to a DCF is relative valuation — comparing KISB's trading multiples against a sector benchmark. Here that gives P/E of 9.2× (cheaper than the peer median of 14.2×); P/B of 1.7× (cheaper than the peer median of 2.6×); Dividend yield of 2.5% (cheaper than the peer median of 1.9%). A cheaper multiple than peers can flag a discount or a market that expects weaker growth; it is a comparison, not a recommendation.
The asset, or book-value, lens is the classic tool for asset-heavy businesses and financials. KISB shows a price-to-book (P/B) of 1.68 and book value of $41.32 per share. Price-to-book compares the market price to the accounting net-asset value per share; below 1.0 can mean a discount to net assets or that the market is pricing in trouble — descriptive either way, never a buy signal on its own.
Finally, a price-based read — explicitly not a valuation. KISB is in a mixed trend, trading -8.4% from its 52-week high. Over the past year the stock is +75.3%. Moving-average trend and 52-week position describe where the stock has traded; they say nothing about what it is worth.
To be exact about what this page is not: we are not saying the numbers for KISB are unavailable. They are, and they are above. We are saying a discounted-cash-flow model is the wrong instrument for this kind of business, and publishing one anyway — because the inputs happen to exist — would be a precise answer to the wrong question.
This is a very small-cap listing — reported figures can be sparse, stale or volatile, and a few large trades can move the price sharply. It trades thinly (low average volume), so quoted prices and any derived metrics should be treated with extra caution. Refusing is the more useful answer, and it is the same rule we apply to every name in this category.
KISB vs peers
Sector benchmark (bellwethers, not direct competitors).
| Multiple | KISB | Peer median | Read |
|---|---|---|---|
| P/E | 9.2× | 14.2× | cheaper than |
| P/B | 1.7× | 2.6× | cheaper than |
| Dividend yield | 2.5% | 1.9% | cheaper than |
What does Kish Bancorp, Inc. do?
What does it do?
Kish Bancorp, Inc., a diversified financial services company, provides various banking products and services primarily in central Pennsylvania and the surrounding areas. It offers personal banking services, such as personal checking accounts, personal saving accounts, health saving accounts, digital tools, cards, and account services; personal loans and credit that include mortgages, home equity loans, personal and student loans, and lone of credit; wealth management services, including trusts, estate administration, investment and trust management, asset protection, financial planning, risk management, investment advisory services, financial position analysis, and retirement income and wealth transfer services; insurance services, such as auto, homeowner and renters, farm, dwelling fire, flood, umbrella, motorcycle, boat, and recreational vehicles; and travel services, such as travel planning and insurance. It operates in the Banks - Regional industry (Financial Services sector), headquartered in United States.
How does it make money?
Out of every $100 of sales, about $0 is left as operating profit (operating margin of 0.0%), after a 0% gross margin on the products/services it sells. After all costs, taxes and interest, 0.0% of revenue becomes bottom-line net profit.
Is it financially healthy?
is currently lossmaking.
KISB insider trading
We have no recent SEC Form 4 insider filings on file for Kish Bancorp, Inc.. Form 4 covers US-listed companies only.
Companies we do put a number on
Not investment advice. TickerWorth Score is a model output.
A descriptive, available-data snapshot and relative comparison — NOT a DCF, NOT a price target, and NOT investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public market data that can be wrong, stale or incomplete.