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Merchants & Marine Bancorp (MNMB) Price & Analysis

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MNMB Stock Chart & Stats

$39.38

$0.25(0.60%)

At close: Jan 08 4:00 PM EST

$39.38

$0.25(0.60%)

Day’s Range― - ―

52-Week Range$37.25 - $55.00

Previous CloseN/A

Volume1.70K

Average Volume (3M)139.00

Market Cap

$71.02M

Enterprise Value$152.60M

Total Cash (Recent Filing)$109.90M

Total Debt (Recent Filing)$196.25M

Price to Earnings (P/E)24.7

Beta0.41

Next Earnings

Oct 22, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.65%

Share Statistics

EPS (TTM)0.79

Shares Outstanding1,330,000

10 Day Avg. Volume0

30 Day Avg. Volume139

Financial Highlights & Ratios

PEG Ratio-0.40

Price to Book (P/B)0.39

Price to Sales (P/S)0.94

P/FCF Ratio-15.18

Enterprise Value/Market Cap2.15

Enterprise Value/Revenue5.46

Enterprise Value/Gross Profit6.75

Enterprise Value/Ebitda77.39

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

Bulls Say, Bears Say

Bulls Say

Revenue GrowthSustained revenue growth, including a ~12% increase in 2025, indicates expanding loan and fee volumes and underlying franchise traction. Durable top-line expansion supports scale economies, capacity to absorb fixed costs, and provides runway to rebuild margins and fund incremental lending or reserve needs over the medium term.

Operating Cash GenerationPositive and improving operating cash flow signals recurring cash generation from core lending operations and fee businesses. Reliable cash generation enhances the bank's ability to fund loan growth, maintain reserves, invest in branches/digital, and reduces reliance on volatile wholesale funding over the coming months.

Community-bank FranchiseA regional community-banking model with branches, digital channels, and local commercial/consumer relationships supports stable deposit funding and customer stickiness. This local franchise enables cross-sell, steady deposit-cost advantages, and predictable loan origination pipelines that are durable over multi-quarter horizons.

Bears Say

Margin CompressionA meaningful drop in net margin to ~7.8% reflects compression in spreads and/or rising funding and operating costs. Sustained margin weakness directly reduces profitability and return on equity, limiting the bank's ability to build capital internally and manage through credit cycles without structural actions to restore spreads or control expenses.

Rising LeverageA sharp increase in leverage to a debt/equity ratio near 1.53 materially raises financial risk and interest-cost sensitivity. Higher leverage reduces loss-absorption capacity, constrains regulatory and strategic flexibility, and amplifies the impact of any asset-quality deterioration on capital ratios and funding costs.

Negative Free Cash FlowNegative free cash flow in 2025, after prior positive periods, signals weaker cash conversion and higher reinvestment or working-capital needs. Persistent or recurring negative FCF would force reliance on external financing for growth or distributions, raising refinancing risk and constraining capital allocation flexibility.

MNMB FAQ

What was Merchants & Marine Bancorp Inc’s price range in the past 12 months?

Merchants & Marine Bancorp Inc lowest stock price was $37.25 and its highest was $55.00 in the past 12 months.

What is Merchants & Marine Bancorp Inc’s market cap?

Merchants & Marine Bancorp Inc’s market cap is $71.02M.

When is Merchants & Marine Bancorp Inc’s upcoming earnings report date?

Merchants & Marine Bancorp Inc’s upcoming earnings report date is Oct 22, 2026 which is in 88 days.

How were Merchants & Marine Bancorp Inc’s earnings last quarter?

Merchants & Marine Bancorp Inc released its earnings results on Apr 29, 2026. The company reported $0.07 earnings per share for the quarter, beating the consensus estimate of N/A by $0.07.

Is Merchants & Marine Bancorp Inc overvalued?

According to Wall Street analysts Merchants & Marine Bancorp Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Merchants & Marine Bancorp Inc pay dividends?

Merchants & Marine Bancorp Inc pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.65%. See more information on Merchants & Marine Bancorp Inc dividends here

What is Merchants & Marine Bancorp Inc’s EPS estimate?

Merchants & Marine Bancorp Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Merchants & Marine Bancorp Inc have?

Merchants & Marine Bancorp Inc has 1,330,000 shares outstanding.

What happened to Merchants & Marine Bancorp Inc’s price movement after its last earnings report?

Merchants & Marine Bancorp Inc reported an EPS of $0.07 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 3.298%.

Which hedge fund is a major shareholder of Merchants & Marine Bancorp Inc?

Currently, no hedge funds are holding shares in MNMB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Merchants & Marine Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

2.65%

Trailing 12-Months

Asset Growth

31.18%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Merchants & Marine Bancorp Inc

Merchants & Marine Bancorp, Inc. operates as the parent company for Merchants & Marine Bank, providing a full spectrum of financial products and services to individual and commercial customers. The bank primarily serves communities within Jackson and George Counties in Mississippi, and Baldwin County in Alabama. Customers can access various deposit accounts such as checking, savings, individual retirement accounts, and certificates of deposit. For borrowing requirements, the institution offers an extensive selection of loans, including personal, vehicle (auto, boat, recreational), real estate (mortgage, adjustable-rate mortgage, construction, home equity), business (equipment, machinery, inventory, acquisition, Small Business Administration), and lines of credit. Additionally, the company issues credit cards and a suite of digital and business-centric solutions, encompassing merchant services, bill payment, remote deposit capture, ACH origination and notification, positive pay, online banking, e-statements, mobile banking, mobile deposit, mobile wallet, and card protection. Established in 1932, the Bancorp is headquartered in Pascagoula, Mississippi.