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Merchants & Marine Bancorp (MNMB) Stock Price & Analysis

MNMB Stock Chart & Stats

$58.50-$2.17(-3.58%)
At close: 4:00 PM EDT
$52.5$55$57.5$605 Aug17 Aug31 Aug10 Sep28 Sep14 Oct28 Oct
Day’s Range
$58.50 - $60.00
52-Week Range
$37.25 - $61.35
Previous Close
$60.68
Volume
2,875
Average Volume (3M)
560
Market Cap
$77.81M
Enterprise Value
$188.09M
Total Cash (Recent Filing)
$115.80M
Total Debt (Recent Filing)
$210.92M
Price to Earnings (P/E)
5.7
Beta
0.45
Next Earnings
Feb 24, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 11, 2026
Dividend Yield
2.53%

Bulls Say, Bears Say

Bulls Say

Steady Revenue Growth

Steady multi-year revenue growth, including approximately 12% in 2025, indicates continued expansion of the bank’s customer and lending base. A durable top-line trend can support investment in branches and delivery channels while providing a foundation for recovery in profitability.

Diversified Community-Banking Model

Merchants & Marine serves individuals and businesses through commercial and consumer lending, deposits, and related services across local markets. This broad community-banking offering can deepen customer relationships and provide recurring opportunities across both sides of the balance sheet.

Positive Operating Cash Flow

Operating cash flow remains positive and has generally improved versus earlier years, showing that core operations continue to generate cash despite weaker free cash flow. This provides an internal funding base for banking operations, although the benefit is reduced by current reinvestment needs.

Bears Say

Higher Leverage And Low ROE

Debt-to-equity rose sharply to about 1.53 in 2025 from much lower prior levels, increasing financial risk. Combined with ROE of roughly 3.3%, down from 4.7–4.9%, the balance sheet is producing weak returns while carrying more leverage.

Margin Compression

Revenue growth has not translated into stable profitability: net margin fell to about 7.8% in 2025 from roughly 12–14%, while operating profitability also compressed. Persistent cost or spread pressure would reduce earnings resilience and limit internally generated capital.

Negative Free Cash Flow

Free cash flow turned negative in 2025 after being positive from 2022 through 2024, and cash generation has been below net income in multiple periods. Weaker cash conversion can constrain funding flexibility and is more concerning alongside the recent increase in leverage.

MNMB FAQ

What was Merchants & Marine Bancorp’s price range in the past 12 months?
Merchants & Marine Bancorp lowest stock price was $37.25 and its highest was $61.35 in the past 12 months.
What is Merchants & Marine Bancorp’s market cap?
Merchants & Marine Bancorp’s market cap is $77.81M.
When is Merchants & Marine Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Merchants & Marine Bancorp’s earnings last quarter?
Merchants & Marine Bancorp released its earnings results on Apr 29, 2026. The company reported $0.07 earnings per share for the quarter.
Is Merchants & Marine Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Merchants & Marine Bancorp pay dividends?
Merchants & Marine Bancorp pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.53%. See more information on Merchants & Marine Bancorp dividends here
What is Merchants & Marine Bancorp’s EPS estimate?
Merchants & Marine Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Merchants & Marine Bancorp have?
Merchants & Marine Bancorp has 1,330,000 shares outstanding.
What happened to Merchants & Marine Bancorp’s price movement after its last earnings report?
Merchants & Marine Bancorp reported an EPS of $0.07 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Merchants & Marine Bancorp?
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