Benchmark Bankshares, Inc. (BMBN) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 8.65 means the share price is 8.65 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $192M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerBenchmark Bankshares, Inc. (BMBN) trades at $43.00. Benchmark Bankshares, Inc. (BMBN) is a regional bank holding company based in Kenbridge, Virginia, providing a wide range of banking products and services. Market cap: $192M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for BMBN: BMBN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BMBN against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
BMBN: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Benchmark Bankshares, Inc. (BMBN) Financial Services Profile
Benchmark Bankshares, Inc. (BMBN) is a regional bank holding company that delivers comprehensive banking solutions, including loans, deposits, and wealth management services, primarily serving the Virginia market with a strong focus on community engagement and customer service.
What Is the Investment Thesis for BMBN?
The company’s robust profit margin of 24.0% and gross margin of 80.6% indicate effective cost management and operational efficiency. Key growth catalysts include the expansion of its loan portfolio and increased adoption of digital banking services, which can enhance customer engagement and retention. Additionally, the bank's ongoing commitment to community involvement strengthens its brand loyalty and customer base. However, potential risks include interest rate fluctuations and regulatory challenges that could impact profitability. Overall, Benchmark Bankshares is well-positioned to capitalize on growth opportunities while maintaining a strong financial foundation.
Based on FMP financials and quantitative analysis
BMBN Key Highlights
Market capitalization of $192M indicates a solid presence in the regional banking sector.
- P/E ratio of 8.65 suggests valuation attractiveness compared to industry peers.
- Profit margin of 24.0% reflects strong operational efficiency and profitability.
- Gross margin of 80.6% showcases effective cost management strategies.
- Dividend yield of 3.75% provides a consistent return to shareholders.
Who Are BMBN's Competitors?
BMBN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $18.25 | -0.03% | $6.50B | 835-pillar |
| VBTX Veritex Holdings, Inc. | $30.26 | +1.00% | $1.66B | — |
| BXS BancorpSouth Bank | $28.76 | -1.07% | $5.25B | — |
| STT State Street Corporation | $191.30 | -0.31% | $53.0B | 375-pillar |
| PB Prosperity Bancshares, Inc. | $71.49 | +0.15% | $8.59B | 815-pillar |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BMBN's Key Strengths?
Strong profit and gross margins indicating operational efficiency.
- Established community presence with a loyal customer base.
- Diverse range of banking products catering to various customer segments.
- Experienced management team with a deep understanding of the market.
What Are BMBN's Weaknesses?
Limited geographic reach compared to larger banking institutions.
- Dependence on the regional economy, which may affect performance.
- Potential challenges in scaling digital banking services.
- Smaller asset base may limit growth opportunities.
What Could Drive BMBN Stock Higher?
Expansion of digital banking services to increase customer engagement.
- Strong loan portfolio growth driven by regional economic recovery.
- Continued community engagement initiatives enhancing brand loyalty.
- Potential opening of new branches in underserved areas to capture additional market share.
- Focus on wealth management services to attract affluent clients.
What Are the Key Risks for BMBN?
Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations affecting loan demand and profitability.
- Regulatory challenges that may impose additional compliance costs.
- Competition from larger banks and fintech companies impacting market share.
- Economic downturns affecting credit quality and loan performance.
What Are the Growth Opportunities for BMBN?
- Expansion of Loan Portfolio: Benchmark Bankshares aims to increase its loan offerings, particularly in personal and business loans, targeting a 10% growth in the loan portfolio over the next two years. With the regional market showing signs of recovery, the potential market size for loans is estimated to reach $500 billion, providing ample opportunity for growth.
- Digital Banking Services: The bank is investing in enhancing its digital banking platform to improve customer experience and engagement. As more consumers shift towards online banking, Benchmark Bankshares anticipates a 15% increase in digital banking adoption over the next year, potentially increasing transaction volumes and fee income.
- Wealth Management Services: Benchmark Bankshares plans to expand its wealth management services, targeting affluent customers in the region. The wealth management market is projected to grow at a CAGR of 6% over the next five years, allowing the bank to capture a larger share of this lucrative segment.
- Community Engagement Initiatives: The bank's commitment to community involvement is expected to drive customer loyalty and attract new clients. By increasing its participation in local events and sponsorships, Benchmark Bankshares aims to enhance its brand recognition and customer base by 5% annually.
- Branch Expansion: Benchmark Bankshares is considering the opening of additional branches in underserved areas of Virginia, with plans to open two new locations within the next three years. This expansion could tap into a market of approximately $200 million in deposits, further strengthening the bank's market position.
What Are BMBN's Competitive Advantages?
- Strong community presence and customer relationships enhance loyalty.
- Diverse product offerings cater to a wide range of customer needs.
- Established brand reputation built over decades in the regional market.
- Operational efficiency reflected in high profit and gross margins.
- Commitment to customer service differentiates from larger banking institutions.
What Does BMBN Do?
Founded in 1971, Benchmark Bankshares, Inc. serves as the holding company for Benchmark Community Bank, headquartered in Kenbridge, Virginia. The bank has evolved over the decades to become a trusted financial institution in the region, providing a diverse array of banking products and services tailored to meet the needs of individuals and businesses alike. With a commitment to community banking, Benchmark Bankshares offers checking, savings, and youth accounts, alongside a variety of loan products such as personal, mortgage, business, and student loans. The bank also provides credit and debit cards, wealth management services, and various ancillary services including safe deposit boxes and internet banking. As of April 1, 2022, Benchmark Bankshares operates 16 full-service branches, one loan production office, and 14 ATMs, emphasizing accessibility and customer service. The company prides itself on its strong profit margins, with a profit margin of 24.0% and a gross margin of 80.6%, reflecting its operational efficiency and effective cost management. Benchmark Bankshares remains dedicated to enhancing its service offerings and expanding its footprint in the regional banking sector, focusing on building long-term relationships with its customers.
What Products and Services Does BMBN Offer?
- Operate as the holding company for Benchmark Community Bank.
- Provide a variety of banking products including checking and savings accounts.
- Offer personal, mortgage, business, auto, and student loans.
- Deliver wealth management services including financial and retirement planning.
- Facilitate credit and debit card services for customers.
- Provide internet and mobile banking solutions for enhanced customer convenience.
How Does BMBN Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from wealth management and financial advisory services.
- Collect service fees from checking and savings account maintenance.
- Generate income from transaction fees related to credit and debit card usage.
- Charge fees for ancillary services like wire transfers and safe deposit boxes.
What Industry Does BMBN Operate In?
The regional banking industry is characterized by a competitive landscape, with banks focusing on personalized services and community engagement to differentiate themselves. The sector is currently experiencing a trend towards digital banking solutions, with increasing consumer demand for online and mobile banking services. As the market for regional banks continues to grow, driven by a recovery in the economy and increasing loan demand, Benchmark Bankshares is strategically positioned to leverage its community focus and diverse product offerings to capture market share. The overall growth rate for the regional banking sector is projected to remain steady, supported by favorable economic conditions and demographic trends.
Who Are BMBN's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small to medium-sized businesses requiring business banking services.
- Affluent clients looking for wealth management and investment advisory.
- Local community members in need of accessible banking services.
- Students and young adults seeking educational loans and financial guidance.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 51 |
| 2026-08-27 | 51 |
| 2026-08-31 | 51 |
| 2026-09-04 | 51 |
| 2026-09-08 | 51 |
| 2026-09-11 | 51 |
What changed?
The score has stayed at 51.
Over the same 19 days the stock moved +0.0%.
Insider Activity
The most recent 12 insider filings for Benchmark Bankshares, Inc. break down as 1 sales and 11 purchases. On net that is roughly 10K shares acquired (about $94K) — insiders putting money in tends to read as conviction.
Quarterly Financial Performance: Benchmark Bankshares, Inc.
Revenue for Benchmark Bankshares, Inc. came in at $22.9M during Jun 2026, a 6.9% improvement versus the preceding quarter. The company recorded net income of $6.3M, with diluted EPS of $1.42. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, BMBN averaged $1.24 in diluted EPS.
BMBN Valuation & Market Position
With a $192M market cap, Benchmark Bankshares, Inc. sits in the micro-cap segment of the market.
Key Financial Metrics
Return on equity for Benchmark Bankshares, Inc. stands at 16.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. BMBN trades at a trailing price-to-earnings ratio of 8.65, below the Financial Services sector average of ~17.50x. Its earnings yield is 11.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Benchmark Bankshares, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.37 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Benchmark Bankshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Kenbridge, US. The company is led by CEO E. Neil Burke. BMBN has traded publicly since 1999.
BMBN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit and gross margins indicating operational efficiency.
- Established community presence with a loyal customer base.
- Diverse range of banking products catering to various customer segments.
- Experienced management team with a deep understanding of the market.
Bear Case
- Limited geographic reach compared to larger banking institutions.
- Dependence on the regional economy, which may affect performance.
- Potential challenges in scaling digital banking services.
- Smaller asset base may limit growth opportunities.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Jun 2026 | $23M | $6M | $1.42 |
| Mar 2026 | $21M | $5M | $1.19 |
| Dec 2025 | $22M | $5M | $1.17 |
| Sep 2025 | $21M | $5M | $1.19 |
Based on FMP financials and quantitative analysis
BMBN Latest News
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Benchmark Bankshares Inc. (OTCMKTS:BMBN) Short Interest Update
defenseworld.net · Aug 15, 2026
BMBN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for BMBN.
Price Targets
Wall Street price target analysis for BMBN.
BMBN MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for BMBN; grades run from A+ (80-100) to F (below 30).
Leadership: E. Neil Burke
CEO
E. Neil Burke has been leading Benchmark Bankshares, Inc. for several years, bringing extensive experience in the banking sector. He holds a degree in finance and has worked in various roles within the financial services industry, focusing on community banking and customer service excellence. His leadership style emphasizes operational efficiency and community engagement, fostering a culture of customer-centric service within the organization.
Track Record: Under E. Neil Burke's leadership, Benchmark Bankshares has achieved significant growth in its loan portfolio and enhanced its digital banking services. His strategic focus on community involvement has strengthened the bank's reputation and customer loyalty, leading to improved financial performance.
BMBN OTC Market Information
The OTC Other tier includes companies that trade on the over-the-counter market but do not meet the stringent requirements of the NYSE or NASDAQ. This tier is often characterized by lower liquidity and less stringent reporting requirements, which can affect investor confidence.
- OTC Tier: OTC Other
- Limited financial reporting may lead to uncertainty regarding the company's performance.
- Lower liquidity can result in price volatility and trading difficulties.
- Potential for less regulatory oversight compared to larger exchanges.
- Increased risk of fraud or misrepresentation in the OTC market.
- Verify the company's financial health through available reports.
- Assess the management team's experience and track record.
- Examine the competitive landscape and market positioning.
- Evaluate the company's growth strategy and potential risks.
- Check for any legal or regulatory issues affecting the company.
- Established history since 1971, indicating stability.
- Community involvement and customer engagement activities.
- Positive financial metrics such as profit and gross margins.
- Active presence in local markets with multiple branches.
What Investors Ask About Benchmark Bankshares, Inc. (BMBN) — Financial Services
Is BMBN a good stock?
Stock Expert AI does not rate BMBN buy, sell or hold. Benchmark Bankshares, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does Benchmark Bankshares, Inc. do?
Benchmark Bankshares, Inc. operates as the holding company for Benchmark Community Bank, providing a range of banking products and services.
What do analysts say about BMBN stock?
Analysts generally view Benchmark Bankshares, Inc. favorably due to its strong financial metrics, including a profit margin of 24.0% and a P/E ratio of 8.65.
What are the key factors to evaluate for BMBN?
Evaluate BMBN on fundamentals, analyst consensus, and risk factors. P/E: 8.65x vs the S&P 500's ~20-25x. Dividend yield of 3.75% provides a consistent return to shareholders. Not financial advice.
How frequently does BMBN data refresh on this page?
BMBN's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven BMBN's recent stock price performance?
Benchmark Bankshares, Inc. (BMBN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit and gross margins indicating operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BMBN overvalued or undervalued right now?
Benchmark Bankshares, Inc. (BMBN) trades at 8.65x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of BMBN?
Yes, most major brokerages offer fractional shares of Benchmark Bankshares, Inc. (BMBN) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
No publishable V2 score is available for this stock yet.
Data provided for informational purposes only.
- Limited financial reporting available due to OTC classification.