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Steele Bancorp Inc. (STLE)

USD43.25 +0.16 (+0.37%)
US OTC Financial Services Banks - Regional
Address 250 East Chestnut Street 17844
Mifflinburg, PA, US
CEO Jeffrey J. Kapsar
IPO 2013-04-03
CIK 779227 ISIN US8579371068

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Description

Steele Bancorp Inc., a holding company based in Mifflinburg, Pennsylvania, oversees Mifflinburg Bank and Trust Company, delivering a comprehensive suite of financial services throughout the state. The company facilitates various deposit options, including checking, savings, sweep, and health savings accounts, alongside certificates of deposit. Its lending portfolio spans commercial, mortgage, and residential real estate, as well as consumer financing with offerings like home, personal, auto, medical/professional, farm/agricultural, and nonprofit business loans. Clients can also access lines of credit, overdraft services, and credit cards, all supported by convenient online and mobile banking platforms. Beyond core banking, Steele Bancorp Inc. extends its services to include merchant cards, lock box processing, remote deposit, CD file storage, safe and night deposit boxes, automatic transfers, notary services, e-statements (with check images), consolidated statements, stop payment orders, and wire transfers. Furthermore, it offers diverse investment products comprising retirement planning, college funding, life insurance, brokerage, and investment analysis. For businesses, the company provides specialized solutions such as IRAs, 401(k)s, pensions, profit-sharing plans, SEPs, and defined contribution plans. Established in 1872, the company, formerly known as Mifflinburg Bancorp, Inc., is scheduled to officially adopt the name Steele Bancorp Inc. in August 2025.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD43.25 +0.16 (+0.37%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.1K
Beta
0.33
Float Shares
1.68M
Free Float %
90.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.58% +2.90% +8.70% +45.26% +42.36% +68.65% +69.35% +12.90% +92.63% +62.58%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
43.25
DCF (Unlevered) 150.12 +247.1%
DCF (Levered) 140.82 +225.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.49
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A+
Overall Score
5 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +105.8% Q1'26: +144.6% (vs Q1'25)
  • EPS growth
    +411.2% Q1'26: +170.1% (vs Q1'25)
  • FCF margin
    Q1'26: +12.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +31.6% (vs Q1'25)
  • ROIC
    Q1'26: -21.8% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.69× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.32) × ERP
WACC = 82% × Ke + 18% × Kd (89.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 150.12 Current price: 43.25
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-27 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-26 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-22 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-21 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-20 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-19 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-18 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-15 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-13 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-12 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-11 A+ 5/5 5/5 5/5 4/5 3/5 4/5 4/5
2026-05-08 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-07 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-06 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-05 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-04 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-05-01 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-30 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-28 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-27 S- 5/5 5/5 5/5 5/5 3/5 4/5 4/5
2026-04-24 A+ 4/5 5/5 5/5 5/5 1/5 4/5 4/5
2026-04-22 A+ 4/5 5/5 5/5 5/5 1/5 4/5 4/5
2026-04-21 A+ 4/5 5/5 5/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 5/5 5/5 5/5 1/5 1/5 1/5
2026-04-17 A+ 5/5 5/5 5/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
25.57M
OE per share TTM
13.77
Owner's Yield
33.86%
Maintenance CapEx ratio
76.96%
Maint CapEx / Avg PPE
36.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
14
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
0
Sells
0
Shares acquired
Shares disposed
Cash buys
Cash sales
Net activity
+0
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-04-30 Troxell James Todd Director / Officer Common Stock 0 0.00 4,001 I
2026-04-30 Steele John Donald Jr. Director / 10% Owner Common Stock 0 0.00 357,081 D
2026-04-30 Robertson Betsy Koons Director Common Stock 0 0.00 5,520 D
2026-04-30 Purdy Adam Christopher Director Common Stock 0 0.00 551 D
2026-04-30 Pierce Robert Scott Director Common Stock 0 0.00 4,160 D
2026-04-30 Musser Robert Curtis Director Common Stock 0 0.00 2,114 I
2026-04-30 Moyer Bradley Eugene Director Common Stock 0 0.00 4,181 D
2026-04-30 Kapsar Jeffrey Joseph Director / Officer Common Stock 0 0.00 7,002 D
2026-04-30 KESSLER AMANDA G Director Common Stock 0 0.00 21,060 I
2026-04-30 Graver Thomas Clark Jr. Officer Common Stock 0 0.00 2,416 D
2026-04-30 Geise Chad Michael Director Common Stock 0 0.00 3,812 D
2026-04-30 Eberhart Thomas Leon Officer Common Stock 0 0.00 24,204 D
2026-04-30 Drzewiecki Richard Joseph Director Common Stock 0 0.00 3,200 D
2026-04-30 Apple Timothy James Director Common Stock 0 0.00 3,648 D

Executive team

Top executives
EBIT / Employee
295.6K
Shares Outstanding
1.86M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Jeffrey J. Kaspar, President and Chief Executive Officer 327.3K 21.3K 170.9K 519.5K 0.00%
2 2025 J. Todd Troxell Corporate Secretary 114.1K 395.1K 509.3K 0.00%
3 2025 Thomas C. Graver, Jr. Senior Executive Vice President and Chief Financial Officer 230.6K 18.6K 67.8K 317.0K 0.00%
4 2024 Jeffrey J. Kaspar, President and Chief Executive Officer 284.0K 52.2K 124.2K 460.4K 0.00%
5 2024 Thomas C. Graver, Jr. Senior Executive Vice President and Chief Financial Officer 197.0K 38.3K 43.5K 278.7K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-03-30 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-21 8-K
2026-05-14 10-Q
2026-05-12 8-K
2026-05-11 10-K/A
2026-05-06 10-Q/A
2026-05-06 10-Q/A
2026-04-30 SC 13D
2026-04-30 3
2026-04-30 3
2026-04-30 3

Executive team

NameTitleCompensationGender
J. Todd Troxell Corporate Secretary & Non Independent Director 509.3K male
Jeffrey J. Kapsar President, CEO & Director 443.7K male
Thomas C. Graver Jr. CFO, Senior Executive VP & Treasurer 276.7K male
ESG Rating
A
BANKS - REGIONAL
Rank: 44 out of 435
2026
E (Environmental)
89.4 / 64.3
Company / Sector avg.
S (Social)
99.9 / 76.5
Company / Sector avg.
G (Governance)
50.0 / 75.5
Company / Sector avg.
ESG Total
79.8 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits