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Pontiac BancorpPONT 67 Peter Lynch Fair Value is $441.89 as of Sep. 01, 2026. GuruFocus rates PONT with a GF Score™ of 67/100 and a GF Value™ of $648.87 (Fairly Valued). The stock has 1 warning sign investors should review. Among 892 Banks companies, Pontiac Bancorp ranks worse than 70.52% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Pontiac Bancorp's PEG is 1. Pontiac Bancorp's 5-Year TTM Book Value Growth Rate is 6.02.
Pontiac Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $73.40. Therefore, the Peter Lynch Fair Value for today is $441.89.
As of today (2026-09-01), Pontiac Bancorp's share price is $700.00. Pontiac Bancorp's Peter Lynch fair value is $441.89. Therefore, Pontiac Bancorp's Price to Peter Lynch Fair Value Ratio for today is 1.58.
The historical rank and industry rank for Pontiac Bancorp's Peter Lynch Fair Value or its related term are showing as below:
PONT'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.24 Med: 1.24 Max: 1.58
Current: 1.58
During the past 7 years, the highest Price to Peter Lynch Fair Value Ratio of Pontiac Bancorp was 1.58. The lowest was 1.24. And the median was 1.24.
PONT's Price-to-Peter-Lynch-Fair-Value is ranked worse than 70.52% of 892
companies
in the Banks industry
Industry Median: 1.1
vs PONT: 1.58
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Pontiac Bancorp (OTCPK:PONT) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 6.02 instead of 15 in this case.
Pontiac Bancorp's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
700.00
/
441.89
=
1.58
* 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.
Pontiac Bancorp Peter Lynch Fair Value Related Terms
Pontiac Bancorp Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Pontiac Bancorp's Peter Lynch Fair Value can be seen below:
* 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.
PONT vs FGBI, CMRB, FMBM: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Pontiac Bancorp's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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.
Pontiac Bancorp Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Pontiac Bancorp's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Pontiac Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $73.40.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $441.89 mean?
Pontiac Bancorp (PONT) has a Peter Lynch Fair Value of $441.89 as of Sep. 01, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Pontiac Bancorp and its competitors. According to the industry distribution chart, Pontiac Bancorp ranks #629 out of 892 companies in the Banks industry, placing it in the top 70.5%.
Is Pontiac Bancorp's Peter Lynch Fair Value too high?
Pontiac Bancorp's current Peter Lynch Fair Value is $441.89. The Banks industry median Peter Lynch Fair Value is 1.10. Pontiac Bancorp's value of $441.89 is 40071.8% above this industry median. Based on the distribution chart, Pontiac Bancorp ranks #629 out of 892 companies in the Banks industry, which is below the industry midpoint. Overall, Pontiac Bancorp has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's Peter Lynch Fair Value compare to FGBI and CMRB?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #629 out of 892 companies for Peter Lynch Fair Value. This places Pontiac Bancorp in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.10. Pontiac Bancorp's value of $441.89 is 40071.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.10, based on 892 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pontiac Bancorp's current Peter Lynch Fair Value of $441.89 is 40071.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Pontiac Bancorp and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current Peter Lynch Fair Value is $441.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $648.87, compared to a current price of $700.00 — trading 7.9% above its estimated fair value. The current Peter Lynch Fair Value is $441.89 and 40071.8% above the Banks industry median of 1.10. Pontiac Bancorp's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Pontiac Bancorp (PONT), the current Peter Lynch Fair Value is $441.89 as of Sep. 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $700.00 is trading 7.9% above its estimated GF Value™ of $648.87.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
Peter Lynch Fair Value: $441.89
GF Value™: $648.87 vs. price of $700.00 (7.9% above fair value)
Industry Position: 40071.8% above the Banks median (#629 of 892)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
67GF Score
Get the complete analysis for PONT
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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