Marquette National (MNAT) AI Stock Analysis

• Market Cap: $136.61M
• Dividend Yield: 3.94%
• Average Volume (3M): 461.00
• Price to Earnings (P/E): 12.9
• Beta (1Y): -0.03
• Revenue Growth: 5.45%
• EPS Growth: -39.10%
• Country: US
• Employees: 300
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.19
• Shares Outstanding: 4,384,000
• 10 Day Avg. Volume: 236
• 30 Day Avg. Volume: 461
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 2.68
• Enterprise Value/Revenue: 3.53
• Enterprise Value/Gross Profit: 6.98
• Enterprise Value/Ebitda: 22.86
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: ―

Marquette National's stock is currently rated at 60, reflecting strong aspects in revenue growth and profitability. However, operational challenges and cash flow issues weigh on its financial performance. Technical indicators suggest ongoing bearish momentum, though the valuation is attractive due to a low P/E ratio and high dividend yield. Investors should be cautious of high leverage and focus on potential improvements in operational efficiency and cash flow generation.

Marquette National Business Overview & Revenue Model

Company Description

Marquette National Corporation operates as the bank holding company of Marquette Bank that provides community banking services in Illinois. It offers financial solutions, including retail banking, real estate lending, trust, investments, wealth management and business banking to consumers and commercial customers. The company provides personal checking accounts; business checking accounts, including commercial checking accounts, now accounts, and small business checking; business savings and commercial money market accounts; vehicle, term, lines of credit, collateralized, and commercial loans, as well as fixed home equity loans and home equity line of credit; credit and debit cards; apartment lending; and business, personal, property and home, and vehicle insurance. It also offers treasury solutions, such as online banking for business, merchant payment processing, business remote deposit, lockbox processing, sweep accounts, and zero balance accounts; individual retirement accounts, and certificates of deposit; safe deposit boxes; and trust, investment, wire transfer, mobile banking, and bill payment services. It has 20 offices and two loan production offices with locations in Chicago, Bolingbrook, Bridgeview, Evergreen Park, Hickory Hills, Lemont, New Lenox, Oak Forest, Oak Lawn, Orland Park, Romeoville, and Summit, Illinois. The company was founded in 1945 and is based in Chicago, Illinois.

How the Company Makes Money

Marquette National Financial Statement Overview

Summary

Marquette National demonstrates robust revenue growth and profitability, but faces challenges in operational efficiency and cash flow generation. The balance sheet shows improved debt management, yet high leverage remains a concern. The company needs to focus on enhancing operational cash flow and maintaining financial stability amid potential economic fluctuations.

Income Statement

Marquette National's revenue growth has been positive with a marked rise from 2023 to the TTM. The gross profit margin is strong, reflecting efficient cost management. However, the EBIT margin shows a negative trend in the TTM, suggesting operational challenges. The net profit margin remains healthy, indicating resilience in maintaining profitability despite operational setbacks.

Balance Sheet

The debt-to-equity ratio has improved, reflecting stronger equity support relative to debt. However, total liabilities remain high compared to equity, posing potential leverage risks. The equity ratio is moderate, indicating a balanced asset structure supported by equity.

Cash Flow

Operating cash flow has deteriorated significantly in the TTM, indicating challenges in cash generation from core operations. Free cash flow is negative, suggesting issues with covering capital expenditures and other cash requirements. Despite these challenges, cash reserves are substantial, providing a buffer against short-term liquidity concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	103.68M	98.34M	79.06M	51.63M	75.72M	91.10M
Gross Profit	52.44M	0.00	79.06M	51.63M	75.72M	91.10M
EBITDA	16.02M	22.98M	24.33M	-2.77M	21.46M	35.24M
Net Income	10.53M	17.13M	16.12M	-2.96M	14.20M	23.78M
Balance Sheet
Total Assets	2.23B	2.23B	2.14B	2.08B	2.09B	1.92B
Cash, Cash Equivalents and Short-Term Investments	584.59M	0.00	519.11M	471.28M	605.60M	483.58M
Total Debt	266.55M	277.12M	256.87M	142.70M	56.70M	56.70M
Total Liabilities	2.04B	2.05B	1.98B	1.94B	1.91B	1.74B
Stockholders Equity	185.30M	173.58M	159.05M	139.04M	185.40M	184.03M
Cash Flow
Free Cash Flow	2.23M	4.80M	11.30M	19.81M	20.12M	6.02M
Operating Cash Flow	4.36M	6.22M	12.49M	22.07M	23.82M	9.00M
Investing Cash Flow	-65.93M	-52.60M	59.80M	-121.97M	-137.83M	-219.59M
Financing Cash Flow	12.10M	44.96M	34.43M	38.37M	171.63M	214.36M

Marquette National Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNAT, the sentiment is Positive. The current price of 31.16 is below the 20-day moving average (MA) of 31.36, above the 50-day MA of 31.05, and above the 200-day MA of 29.21, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 48.93 is Neutral, neither overbought nor oversold. The STOCH value of 13.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNAT.

Marquette National Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNWD	71 Outperform	$139.95M	26.19	3.51%	1.48%	-7.40%	-59.70%
EBMT	68 Neutral	$133.44M	10.43	7.19%	3.41%	6.74%	49.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNAT	60 Neutral	$136.61M	12.87	5.95%	3.94%	5.45%	-39.10%
FGBI	48 Neutral	$117.63M	65.81	-4.06%	0.51%	9.81%	-220.92%
RBKB	43 Neutral	$114.50M	―	-4.65%	―	-17.56%	-233.71%