Merchants & Marine Bancorp (MNMB) AI Stock Analysis

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Merchants & Marine Bancorp

(Other OTC:MNMB)

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Rating:58Neutral

Price Target:$62.00▲(3.68% Upside)

Action:reiterated

Date:08/06/26

MNMB's overall score is heavily weighed down by deteriorating fundamental health, most notably margin compression, negative free cash flow, and surging debt levels. However, strong technical price momentum and a respectable dividend yield keep the stock buoyed, resulting in a middling overall rating.

Positive Factors

Steady Revenue GrowthSustained revenue expansion indicates continued demand for the bank’s products and services across its operating markets. The 2025 increase, following several years of growth, provides a constructive base for rebuilding earnings if profitability and cost control stabilize.

Negative Factors

Higher Financial LeverageThe sharp increase in debt relative to equity materially reduces balance-sheet resilience and raises the company’s financial risk. Higher leverage can constrain future capital allocation, increase sensitivity to operating weakness, and make restoring stronger returns more difficult.

Merchants & Marine Bancorp (MNMB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $79.55M
Dividend Yield: 2.47%
Average Volume (3M): 1,010
Price to Earnings (P/E): 5.9
Beta (1Y): 0.45
Revenue Growth: 85.96%
EPS Growth: 195.93%
Country: US
Employees: 145
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Merchants & Marine Bancorp Business Overview & Revenue Model

Company Description

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...

Merchants & Marine Bancorp Financial Statement Overview

Summary

Despite consistent top-line revenue growth, financial health is severely constrained by declining net profit margins (7.8%), negative free cash flow, and a dramatic spike in total debt that pushed the debt-to-equity ratio to an elevated 1.53.

Income Statement

62Positive

Balance Sheet

42Neutral

Cash Flow

35Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	86.56M	54.68M	49.44M	42.77M	31.72M	29.38M
Gross Profit	72.39M	45.48M	45.41M	40.74M	30.13M	25.83M
EBITDA	16.49M	7.00M	9.00M	9.17M	4.73M	4.21M
Net Income	13.70M	4.28M	5.94M	6.03M	2.97M	2.18M
Balance Sheet
Total Assets	1.35B	941.19M	716.86M	686.16M	686.47M	678.17M
Cash, Cash Equivalents and Short-Term Investments	115.80M	76.62M	37.48M	174.19M	197.01M	279.49M
Total Debt	210.92M	202.66M	4.72M	54.21M	4.70M	4.69M
Total Liabilities	1.19B	807.87M	590.81M	562.41M	565.58M	596.06M
Stockholders Equity	163.57M	131.05M	126.05M	123.75M	120.89M	82.11M
Cash Flow
Free Cash Flow	0	-3.37M	4.06M	2.71M	1.83M	-610.74K
Operating Cash Flow	0	5.76M	7.58M	7.42M	4.09M	3.34M
Investing Cash Flow	0	-180.28M	35.80M	34.81M	-160.19M	5.31M
Financing Cash Flow	0	218.49M	-77.72M	-6.12M	15.78M	33.12M

Merchants & Marine Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price59.80

Price Trends

50DMA56.80Positive

100DMA54.86Positive

200DMA49.24Positive

Market Momentum

MACD0.86Positive

RSI58.65Neutral

STOCH52.69Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNMB, the sentiment is Positive. The current price of 59.80 is above the 20-day moving average (MA) of 59.01, above the 50-day MA of 56.80, and above the 200-day MA of 49.24, indicating a bullish trend. The MACD of 0.86 indicates Positive momentum. The RSI at 58.65 is Neutral, neither overbought nor oversold. The STOCH value of 52.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNMB.

Merchants & Marine Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

MNMB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ASRV	70Outperform	$81.04M	9.08	7.48%	2.46%	2.43%	75.47%
CLST	68Neutral	$72.34M	24.86	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNMB	58Neutral	$79.60M	5.85	10.92%	2.47%	85.96%	195.93%

* Financial Sector Average

Performance Comparison

MNMB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
MNMB	Merchants & Marine Bancorp	59.80	21.98	58.10%
ASRV	AmeriServ Financial, Inc.	4.88	1.93	65.37%
CLST	Catalyst Bancorp, Inc.	17.90	3.34	22.94%

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.

Date of analysis: Aug 06, 2026

Merchants & Marine Bancorp AI Stock Analysis