The Baraboo Bancorporation, Inc. (BAOB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Baraboo Bancorporation, Inc. (BAOB) trades at $6.60 with AI Score 50/100 (Grade B). The Baraboo Bancorporation, Inc. Market cap: $58.23M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for BAOB: BAOB 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 BAOB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BAOB: the 1 perspectives are evenly split.
How is this calculated? →The Baraboo Bancorporation, Inc. (BAOB) Financial Services Profile
The Baraboo Bancorporation, Inc., through Baraboo State Bank, delivers traditional banking services in Wisconsin, marked by a $58.23M market cap and a 1.85% dividend yield. Operating with a community-centric approach, the company faces competition from larger regional and national banks while maintaining a strong local presence.
What Is the Investment Thesis for BAOB?
The Baraboo Bancorporation, Inc. presents a traditional community banking model with a focus on local relationships and a diverse loan portfolio. With a P/E ratio of 12.31 and a dividend yield of 1.85%, the company offers a potential value proposition for investors seeking stable, income-generating assets. The company's high gross margin of 100.0% and profit margin of 26.7% indicate efficient operations. Growth catalysts include expanding digital banking services and increasing commercial lending activities within its existing geographic footprint. However, potential risks include competition from larger regional banks and adapting to evolving fintech solutions. Investors should monitor the company's ability to maintain its market share and profitability in a changing financial landscape.
Based on FMP financials and quantitative analysis
BAOB Key Highlights
- Market Cap of $58.23M reflects its position as a smaller community bank.
- P/E Ratio of 12.31 indicates a potentially reasonable valuation compared to earnings.
- Profit Margin of 26.7% demonstrates strong profitability in its operations.
- Gross Margin of 100.0% suggests efficient management of interest income and expenses.
- Dividend Yield of 1.85% provides a steady income stream for investors.
Who Are BAOB's Competitors?
BAOB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CZNL Citizens National Corporation | $84.98 | +0.00% | $83.02M | 55 |
| FFWC FFW Corporation | $52.12 | +1.09% | $56.44M | 45 |
| HFBK Harford Bank | $47.23 | +3.80% | $58.37M | 54 |
| HLFN Home Loan Financial Corporation | $43.01 | -0.97% | $60.62M | 59 |
| INFT Infinity Bancorp | $19.00 | +0.00% | $59.54M | 50 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BAOB's Key Strengths?
- Strong local presence and community relationships.
- High gross margin and profit margin.
- Diverse loan portfolio.
- Experienced management team.
What Are BAOB's Weaknesses?
- Limited geographic reach.
- Smaller size compared to larger regional banks.
- Dependence on the local economy.
- Potential challenges in adapting to fintech disruption.
What Could Drive BAOB Stock Higher?
- Expansion of digital banking services to attract new customers and improve customer experience.
- Strategic commercial lending growth targeting small and medium-sized businesses in Wisconsin.
- Implementation of enhanced customer relationship management (CRM) system to improve customer engagement.
- Community engagement and brand building initiatives to enhance the bank's reputation.
- Exploration of strategic partnerships with fintech companies to expand service offerings.
What Are the Key Risks for BAOB?
- Financial-distress signal — its Altman Z-Score of 0.26 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks with greater resources.
- Economic downturn impacting loan performance and increasing credit risk.
- Regulatory changes affecting the banking industry and increasing compliance costs.
- Cybersecurity risks and data breaches compromising customer information.
- Adapting to evolving fintech solutions and changing customer preferences.
What Are the Growth Opportunities for BAOB?
- Expansion of Digital Banking Services: Investing in and expanding digital banking platforms can attract younger demographics and improve customer convenience. This includes enhancing mobile banking apps, online account management, and digital payment solutions. The market for digital banking is projected to grow significantly, with estimates suggesting a multi-billion dollar market size by 2028. Implementing these technologies can improve operational efficiency and customer satisfaction, driving long-term growth.
- Strategic Commercial Lending Growth: Focusing on expanding its commercial lending portfolio, particularly to small and medium-sized businesses (SMBs) within its Wisconsin footprint, presents a significant growth opportunity. The SMB lending market is substantial, with billions of dollars in potential loan volume. By offering tailored financial solutions and building strong relationships with local businesses, Baraboo State Bank can increase its market share and drive revenue growth. This strategy requires a deep understanding of the local economy and the specific needs of SMBs.
- Enhanced Customer Relationship Management (CRM): Implementing a robust CRM system can improve customer engagement and retention. By leveraging data analytics to understand customer preferences and behaviors, Baraboo State Bank can offer personalized financial advice and services. This can lead to increased customer loyalty and cross-selling opportunities. The CRM market in the banking sector is growing, driven by the need for better customer insights and improved service delivery.
- Community Engagement and Brand Building: Strengthening its community engagement initiatives can enhance the bank's brand reputation and attract new customers. This includes sponsoring local events, supporting community organizations, and participating in local economic development projects. A strong community presence can differentiate Baraboo State Bank from larger national banks and foster a sense of trust and loyalty among customers. Such initiatives can lead to increased deposits and loan volumes.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative technologies and expand the bank's service offerings. This includes partnering with fintechs specializing in digital lending, payment processing, and financial planning. By integrating these technologies into its existing platform, Baraboo State Bank can enhance its competitiveness and attract tech-savvy customers. The fintech market is rapidly evolving, offering numerous opportunities for collaboration and innovation.
What Opportunities Does BAOB Have?
- Expansion of digital banking services.
- Strategic commercial lending growth.
- Enhanced customer relationship management.
- Partnerships with fintech companies.
What Threats Does BAOB Face?
- Competition from larger regional and national banks.
- Economic downturn impacting loan performance.
- Regulatory changes affecting the banking industry.
- Cybersecurity risks and data breaches.
What Are BAOB's Competitive Advantages?
- Strong local presence with multiple branches in its core market.
- Long-standing relationships with customers in the community.
- Deep understanding of the local economy and customer needs.
- Personalized service and community-focused approach.
What Does BAOB Do?
Founded in 1857, The Baraboo Bancorporation, Inc. serves as the holding company for Baraboo State Bank, a community bank deeply rooted in Baraboo, Wisconsin. The bank provides a comprehensive suite of personal and business banking products and services, including checking, NOW, money market, club, individual retirement, savings, and health savings accounts. Additionally, it offers certificates of deposit and trust services, catering to the diverse financial needs of its customer base. Baraboo State Bank extends various consumer loans, such as auto, home, construction, and other personal loans, alongside home equity lines of credit. For businesses, the bank provides commercial real estate, equipment, partnership buy-in or buy-out, business startup and purchase, acquisition and development, agricultural, and government loans. It also offers operating lines of credit and letters of credit to support the operational needs of local businesses. The bank enhances customer convenience through online, mobile, and phone banking services, coupled with bill payment and cash management solutions. Operating eight offices, including five in Baraboo, one in Reedsburg, one in Portage, and one in Lake Delton, the bank maintains a strong physical presence in its core market. This localized approach allows for personalized service and fosters long-term relationships with customers, differentiating it from larger, more impersonal banking institutions. The Baraboo Bancorporation's commitment to community banking has sustained its operations for over a century and a half.
What Products and Services Does BAOB Offer?
- Provides personal banking services including checking, savings, and money market accounts.
- Offers business banking services such as commercial loans and lines of credit.
- Provides consumer loans including auto, home, and construction loans.
- Offers online and mobile banking services for convenient access to accounts.
- Provides trust services to manage and protect assets.
- Offers bill payment and cash management services for businesses.
- Provides health savings accounts (HSAs) for healthcare expenses.
How Does BAOB Make Money?
- Generates revenue through interest income from loans.
- Collects fees for various banking services.
- Manages deposits and invests funds to generate profits.
- Provides financial services to individuals and businesses in its local market.
What Industry Does BAOB Operate In?
The Baraboo Bancorporation, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and emerging fintech companies. The industry is currently experiencing a shift towards digital banking solutions and personalized customer experiences. Regional banks like Baraboo State Bank must adapt to these trends to maintain their market share and attract new customers. The market is also influenced by interest rate fluctuations, regulatory changes, and overall economic conditions, which can impact lending activities and profitability.
Who Are BAOB's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Local residents needing consumer loans for various purposes.
- Customers seeking trust and wealth management services.
Company Profile
The Baraboo Bancorporation, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Baraboo, US. The company is led by CEO Merlin E. Zitzner. BAOB has traded publicly since 2003.
How The Baraboo Bancorporation, Inc. Is Valued
The Baraboo Bancorporation, Inc. carries a market capitalization of $58.23M, placing it in the micro-cap category. Relative to its peer group, BAOB's quantitative score of 50/100 is roughly in line with the peer average of 53/100.
ROE 9%Key Financial Metrics
Return on equity for The Baraboo Bancorporation, Inc. stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. BAOB trades at a trailing price-to-earnings ratio of 10.59, below the Financial Services sector average of ~18x. Its free cash flow yield is 6.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
The Baraboo Bancorporation, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.26 places it in the distress zone, a signal of elevated financial risk.
BAOB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and community relationships.
- High gross margin and profit margin.
- Diverse loan portfolio.
- Experienced management team.
Bear Case
- Limited geographic reach.
- Smaller size compared to larger regional banks.
- Dependence on the local economy.
- Potential challenges in adapting to fintech disruption.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
BAOB Latest News
No recent news available for BAOB.
BAOB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BAOB.
Price Targets
Wall Street price target analysis for BAOB.
BAOB MoonshotScore
What does this score mean?
The MoonshotScore rates BAOB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Merlin E. Zitzner
CEO
Merlin E. Zitzner serves as the CEO of The Baraboo Bancorporation, Inc., bringing extensive experience in community banking and financial services. His career spans several decades in the banking sector, with a focus on strategic leadership and operational management. Zitzner's background includes a strong emphasis on community development and fostering long-term relationships with customers. He is deeply involved in local community initiatives and serves on various boards and committees, reflecting his commitment to the region's economic growth.
Track Record: Under Merlin E. Zitzner's leadership, The Baraboo Bancorporation, Inc. has maintained a stable financial performance and a strong community presence. Key achievements include navigating economic challenges while maintaining profitability and expanding the bank's digital banking services. Zitzner has focused on strengthening the bank's relationships with local businesses and supporting community development projects. His strategic decisions have contributed to the bank's long-term sustainability and growth.
BAOB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that The Baraboo Bancorporation, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited regulatory oversight and may not be required to adhere to strict reporting standards. This tier is distinct from exchanges like the NYSE or NASDAQ, which have more stringent listing requirements and provide greater investor protection. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Transparency: OTC Other companies often have minimal reporting requirements, making it difficult to assess their financial health.
- Low Liquidity: Trading volume can be very low, leading to wide bid-ask spreads and difficulty in executing trades.
- Potential for Fraud: The lack of regulatory oversight increases the risk of fraudulent activities.
- Price Volatility: Due to low trading volume, OTC Other stocks can experience significant price swings.
- Limited Investor Protection: Investors have less protection compared to stocks listed on major exchanges.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Check for any regulatory actions or legal issues.
- Evaluate the management team's experience and track record.
- Understand the risks associated with investing in OTC Other stocks.
- Consult with a financial advisor before investing.
- Long Operating History: The company was founded in 1857, indicating a long-standing presence in the banking industry.
- Community Focus: The company's focus on serving the local community suggests a commitment to building long-term relationships.
- Physical Presence: The company operates multiple offices in its core market, demonstrating a physical presence and commitment to the region.
- Dividend Payments: The company's dividend yield of 1.85% suggests a commitment to returning value to shareholders.
- Positive Profit Margin: The company's profit margin of 26.7% indicates profitable operations.
Common Questions About BAOB (Financial Services)
What does The Baraboo Bancorporation, Inc. do?
The Baraboo Bancorporation, Inc., through its subsidiary Baraboo State Bank, provides a comprehensive suite of banking and financial services to individuals and businesses in Wisconsin. Its core business revolves around accepting deposits and extending credit through various loan products, including commercial real estate, equipment financing, and consumer loans. The bank operates eight offices and offers digital banking solutions, focusing on building long-term relationships within its community. The company generates revenue primarily through interest income on loans and fees for services.
What do analysts say about BAOB stock?
As of March 17, 2026, formal analyst ratings for The Baraboo Bancorporation, Inc. (BAOB) are not widely available, likely due to its OTC listing and smaller market capitalization. Investors typically evaluate BAOB based on its financial performance, including metrics like its P/E ratio of 12.31, profit margin of 26.7%, and dividend yield of 1.85%. Growth considerations involve its ability to expand its loan portfolio, manage credit risk, and adapt to digital banking trends. Investors should conduct their own due diligence and consider their risk tolerance before investing.
What are the main risks for BAOB?
The Baraboo Bancorporation, Inc. faces several key risks inherent to the regional banking sector. Credit risk, stemming from potential loan defaults due to economic downturns or borrower-specific issues, is a primary concern. Competition from larger banks and credit unions with greater resources poses a continuous threat. Additionally, the company must navigate evolving regulatory requirements and adapt to technological disruptions in the financial industry. Cybersecurity risks and the potential for data breaches also present significant challenges.
What are the key factors to evaluate for BAOB?
The Baraboo Bancorporation, Inc. (BAOB) holds an AI score of 50/100 (moderate). Not financial advice.
How frequently does BAOB data refresh on this page?
BAOB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BAOB's recent stock price performance?
The Baraboo Bancorporation, Inc. (BAOB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BAOB overvalued or undervalued right now?
Valuing The Baraboo Bancorporation, Inc. (BAOB) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BAOB?
Before investing in The Baraboo Bancorporation, Inc. (BAOB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may have limited transparency.
- AI analysis pending for BAOB, which could provide further insights.