Steele Bancorp Inc. (STLE)
ValueMarkers Composite Index
75% below intrinsic value ($140)
Steele Bancorp Inc. (STLE) — VMCI valuation read
STLE screens at VMCI 68/100, a 18-point gap above the Financial Services sector median (50). For a mid-cap Steele Bancorp Inc. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.
STLE has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.
**Investor frame.** Value: STLE trades at 14.0x earnings, 22% below the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp, the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of -1.5x leaves covenant headroom, which sets the rate-cycle exposure for Steele Bancorp Inc..
STLE fell 1.6% over the trailing 7 days, with a -17.2% read on a 30-day basis.
Steele Bancorp Inc. operates as a bank holding company for Mifflinburg Bank and Trust Company that provides commercial, mortgage, residential real estate, consumer loan financing, and deposit services in Pennsylvania. The company offers checking, savings, and sweep accounts; certificates of deposits; health savings accounts; home, personal, automobile, medical/professional, farm/agricultural, and nonprofit business loans; lines of credit and overdrafts; and credit cards, as well as online and mobile banking services. It also provides merchant cards, lock box processing, remote deposit, CD file storage, safe and night deposit boxes, automatic transfers, notary, e-statements with check images, consolidated statements, stop payment orders, and wire transfer services. In addition, the company offers investment products comprising retirement, college funding, life insurance, brokerage, and investment analysis services; and business services, including IRAs, 401(k) plans, pensions and profit-sharing plans, SEPs, and defined contribution plans. Steele Bancorp Inc. was formerly known as Mifflinburg Bancorp, Inc. and changed its name to Steele Bancorp Inc. in August 2025. The company was founded in 1872 and is headquartered in Mifflinburg, Pennsylvania.
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