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Merchants & Marine Bancorp (MNMB) AI Stock Analysis
Merchants & Marine Bancorp
(Other OTC:MNMB)
The score is supported by strong valuation (low P/E and a meaningful dividend) and positive technical momentum (price above major moving averages with positive MACD). These positives are partially offset by weaker 2025 financial quality—higher leverage, margin compression, and negative free cash flow—raising near-term risk.
Merchants & Marine Bancorp (MNMB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $79.55M
- Dividend Yield
- 2.44%
- Average Volume (3M)
- 990
- Price to Earnings (P/E)
- 5.9
- Beta (1Y)
- 0.42
- 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
Mixed fundamentals: steady revenue growth (including a strong 2025 increase), but 2025 profitability weakened (net margin down to ~7.8%), leverage rose sharply (debt-to-equity ~1.53), and free cash flow turned negative—reducing financial flexibility and increasing risk.
Income Statement
66PositiveBalance Sheet
40NegativeCash Flow
45Neutral| 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
Price Trends
Market Momentum
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 60.58 is above the 20-day moving average (MA) of 59.18, above the 50-day MA of 56.92, and above the 200-day MA of 49.35, indicating a bullish trend. The MACD of 0.89 indicates Positive momentum. The RSI at 62.68 is Neutral, neither overbought nor oversold. The STOCH value of 58.92 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
ASRV70Outperform
CLST68Neutral- MNMB68Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ASRV | 70Outperform | $82.91M | 8.95 | 7.48% | 2.49% | 2.43% | 75.47% |
| CLST | 68Neutral | $72.42M | 24.30 | 3.06% | ― | 31.73% | 17.80% |
| MNMB | 68Neutral | $79.53M | 5.85 | 10.92% | 2.44% | 85.96% | 195.93% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MNMB | Merchants & Marine Bancorp | 60.58 | 22.31 | 58.31% | |
| ASRV | AmeriServ Financial, Inc. | 4.81 | 1.84 | 61.90% | |
| CLST | Catalyst Bancorp, Inc. | 17.50 | 2.94 | 20.19% |
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: Nov 06, 2026