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Marquette National
(OTC:MNAT)
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Rating:63Neutral
Price Target:
$40.00
▲(6.67% Upside)
Action:Reiterated
Date:08/07/26
The score is primarily held back by softening fundamentals—recent revenue declines, margin compression, and weakening cash-flow trajectory—along with elevated leverage and limited confidence in the latest balance-sheet snapshot. Offsetting factors include a constructive technical uptrend (price above key moving averages with positive momentum) and a reasonable valuation supported by a ~3.4% dividend yield.
Positive Factors
Profitability recovery
Restored profitability and a near-10% TTM net margin indicate the franchise generates sustainable operating earnings after the 2022 loss. This supports internal capital formation, dividend capacity and reinvestment ability, strengthening resilience over the medium term.
Negative Factors
Revenue decline
Recent declines in revenue and materially compressed margins point to weakening top-line momentum and margin sustainability. If structural, this reduces long-term earnings power and constrains reinvestment, dividend support, and buffer for cyclical shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability recovery
Restored profitability and a near-10% TTM net margin indicate the franchise generates sustainable operating earnings after the 2022 loss. This supports internal capital formation, dividend capacity and reinvestment ability, strengthening resilience over the medium term.
Read all positive factors
Marquette National (MNAT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$165.61M
Dividend Yield3.39%
Average Volume (3M)244.00
Price to Earnings (P/E)12.1
Beta (1Y)0.10
Revenue Growth-3.48%
EPS Growth26.42%
CountryUS
Employees300
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.10
Shares Outstanding4,384,000
10 Day Avg. Volume170
30 Day Avg. Volume244
Financial Highlights & Ratios
PEG Ratio-0.47
Price to Book (P/B)0.73
Price to Sales (P/S)1.84
P/FCF Ratio33.70
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Marquette National Business Overview & Revenue Model
Company Description
Marquette National Corporation, the holding company for Marquette Bank, delivers community-focused banking services throughout Illinois. It provides a comprehensive range of financial solutions, encompassing retail banking, real estate financing, ...
How the Company Makes Money
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Marquette National Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
56
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 127.65M | 76.97M | 98.34M | 104.67M | 56.69M | 78.69M |
| Gross Profit | 107.32M | 76.92M | 79.22M | 76.44M | 49.59M | 73.34M |
| EBITDA | 19.18M | 20.46M | 22.98M | 24.33M | -2.77M | 21.46M |
| Net Income | 13.39M | 13.18M | 17.13M | 16.12M | -2.96M | 14.20M |
Balance Sheet | ||||||
| Total Assets | 2.17B | 2.22B | 2.23B | 2.14B | 2.08B | 2.09B |
| Cash, Cash Equivalents and Short-Term Investments | 35.85M | 41.21M | 590.89M | 519.11M | 471.28M | 605.60M |
| Total Debt | 198.21M | 233.73M | 277.12M | 256.87M | 142.70M | 145.15M |
| Total Liabilities | 1.97B | 2.03B | 2.05B | 1.98B | 1.94B | 1.91B |
| Stockholders Equity | 196.86M | 194.60M | 173.58M | 159.05M | 139.04M | 185.40M |
Cash Flow | ||||||
| Free Cash Flow | 6.88M | 4.21M | 4.80M | 10.50M | 19.81M | 20.12M |
| Operating Cash Flow | 7.99M | 6.25M | 6.22M | 11.70M | 22.07M | 23.82M |
| Investing Cash Flow | 11.78M | -21.43M | -52.60M | 60.59M | -121.97M | -137.83M |
| Financing Cash Flow | -79.51M | -14.28M | 44.96M | 34.43M | 38.37M | 171.63M |
Marquette National Technical Analysis
Positive
37.50
Price Trends
37.51
Positive
35.64
Positive
33.83
Positive
Market Momentum
0.08
Positive
51.08
Neutral
30.66
Neutral
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 37.5 is below the 20-day moving average (MA) of 37.99, below the 50-day MA of 37.51, and above the 200-day MA of 33.83, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 51.08 is Neutral, neither overbought nor oversold. The STOCH value of 30.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNAT.
Marquette National Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $200.45M | 13.93 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $190.22M | 19.17 | 5.68% | 1.09% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $165.61M | 12.10 | 6.94% | 3.39% | -3.48% | 26.42% | |
63 Neutral | $182.33M | 11.11 | 8.36% | 2.54% | 1.82% | 27.47% | |
44 Neutral | $141.24M | -3.31 | -16.19% | 0.47% | -8.66% | -155.96% |
* Financial Sector Average
MNAT
Marquette National
37.78
7.94
26.63%
EBMT
Eagle Bancorp Montana
22.89
5.96
35.22%
FGBI
First Guaranty Bancshares
8.54
0.03
0.32%
RBKB
Rhinebeck Bancorp
12.82
3.32
34.95%
FNWD
Finward Bancorp
43.90
11.81
36.80%
ECBK
ECB Bancorp, Inc.
20.76
3.89
23.10%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.