KTHN (Katahdin Bankshares) Margin of Safety % (DCF Earnings Based): 45.56% (As of Jul. 01, 2026)


KTHN Katahdin Bankshares Corp KTHN
58 GF Score
Price $35.00
GF Value $27.41
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Katahdin Bankshares Margin of Safety % (DCF Earnings Based)?

Katahdin Bankshares KTHN 58 Margin of Safety % (DCF Earnings Based) is 45.56% as of Jul. 01, 2026. GuruFocus rates KTHN with a GF Score™ of 58/100 and a GF Value™ of $27.41 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-01), Katahdin Bankshares's Predictability Rank is 5-Stars. Katahdin Bankshares's intrinsic value calculated from the Discounted Earnings model is $64.29 and current share price is $35.00. Consequently,

Katahdin Bankshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 45.56%.

KTHN vs UNIB, PNBK, FKYS: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Katahdin Bankshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Katahdin Bankshares Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Katahdin Bankshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Katahdin Bankshares's Margin of Safety % (DCF Earnings Based) falls into.


KTHN
58GF Score
Katahdin Bankshares Corp KTHN
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Katahdin Bankshares Margin of Safety % (DCF Earnings Based) Calculation

Katahdin Bankshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(64.29-35.00)/64.29
=45.56 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 45.56% mean?
Katahdin Bankshares (KTHN) has a Margin of Safety % (DCF Earnings Based) of 45.56% as of Jul. 01, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Katahdin Bankshares.
Is Katahdin Bankshares' Margin of Safety % (DCF Earnings Based) too high?
Katahdin Bankshares' current Margin of Safety % (DCF Earnings Based) is 45.56%. Overall, Katahdin Bankshares has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Katahdin Bankshares' Margin of Safety % (DCF Earnings Based) compare to UNIB and PNBK?
Katahdin Bankshares' Margin of Safety % (DCF Earnings Based) of 45.56% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Katahdin Bankshares. Katahdin Bankshares's current Margin of Safety % (DCF Earnings Based) is 45.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Katahdin Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Katahdin Bankshares (KTHN) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.41, compared to a current price of $35.00 — trading 27.7% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 45.56%. Katahdin Bankshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Katahdin Bankshares (KTHN), the current Margin of Safety % (DCF Earnings Based) is 45.56% as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Katahdin Bankshares (KTHN) Overvalued in 2026?

Based on GuruFocus' analysis, Katahdin Bankshares stock appears to be overvalued. The current stock price of $35.00 is trading 27.7% above its estimated GF Value™ of $27.41. GuruFocus considers Katahdin Bankshares to be Modestly Overvalued.

Key valuation signals for KTHN:

  • Margin of Safety % (DCF Earnings Based): 45.56%
  • GF Value™: $27.41 vs. price of $35.00 (27.7% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the KTHN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Katahdin Bankshares Business Description

Address 20 Katahdin Lane, P.O. Box 36, Houlton, ME, USA, 04730
Katahdin Bankshares Corp is a part of the financial services sector. It is a state-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation. Its primary business is to lend funds and accept deposits from consumers and small businesses in Aroostook and the Portland area. The Bank has full-service branches throughout northern Maine and the greater Bangor and Portland regions. Its key services include personal banking, business banking, and investments.
58GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.00
Price
$27.41
GF Value