Want to see MSBC full AI Analyst Report?
Top Page
Mission Bancorp
(OTC:MSBC)
Select Model
Select Model
Rating:78Outperform
Price Target:
$133.00
▲(40.35% Upside)
Action:Reiterated
Date:05/18/26
The score is driven primarily by strong fundamentals—especially improved capitalization/low leverage and solid profitability—supported by a constructive technical uptrend. Valuation is also favorable given the low P/E, while margin compression and softer cash flow versus prior-year highs temper the overall outlook.
Positive Factors
Strong Capitalization / Low Leverage
A materially lower debt-to-equity ratio signals a more conservative balance sheet and reduced financial risk. This improved capitalization increases resilience to credit stress, expands strategic optionality for lending or capital returns, and supports stable funding in the medium term.
Negative Factors
Margin Compression
A substantial step-down in margins reduces core earnings power and leaves less cushion against shocks. If driven by structural funding or competitive pressures, this compression can persist, limiting ROE expansion and forcing either higher volumes or cost cuts to restore prior profitability levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Capitalization / Low Leverage
A materially lower debt-to-equity ratio signals a more conservative balance sheet and reduced financial risk. This improved capitalization increases resilience to credit stress, expands strategic optionality for lending or capital returns, and supports stable funding in the medium term.
Read all positive factors
Mission Bancorp (MSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$343.06M
Dividend YieldN/A
Average Volume (3M)358.00
Price to Earnings (P/E)9.8
Beta (1Y)0.02
Revenue Growth4.32%
EPS Growth24.70%
CountryUS
Employees23
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)11.47
Shares Outstanding3,009,282
10 Day Avg. Volume561
30 Day Avg. Volume358
Financial Highlights & Ratios
PEG Ratio-0.86
Price to Book (P/B)1.14
Price to Sales (P/S)2.21
P/FCF Ratio9.21
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
Mission Bancorp Business Overview & Revenue Model
Company Description
Mission Bancorp acts as the holding company for Mission Bank, providing a comprehensive range of banking products and financial services to both individual and business clients throughout California. The bank accepts various deposit types, includi...
How the Company Makes Money
Mission Bancorp primarily earns money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income from fees and service charges. Net interest income is the spread between interest earned on interest-earn...
Mission Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 115.56M | 113.33M | 106.38M | 89.91M | 64.82M | 52.74M |
| Gross Profit | 83.95M | 80.37M | 78.36M | 74.70M | 61.59M | 50.45M |
| EBITDA | 45.84M | 38.86M | 42.70M | 42.71M | 34.34M | -242.00 |
| Net Income | 32.65M | 27.08M | 30.14M | 30.47M | 24.25M | 18.72M |
Balance Sheet | ||||||
| Total Assets | 2.01B | 1.90B | 1.88B | 1.65B | 1.50B | 1.52B |
| Cash, Cash Equivalents and Short-Term Investments | 55.62M | 153.76M | 292.44M | 147.27M | 130.34M | 356.44M |
| Total Debt | 12.00M | 11.99M | 21.93M | 41.86M | 21.79M | 21.72M |
| Total Liabilities | 1.78B | 1.68B | 1.69B | 1.50B | 1.37B | 1.40B |
| Stockholders Equity | 237.16M | 220.30M | 189.49M | 156.71M | 123.78M | 120.28M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 27.17M | 34.22M | 31.65M | 26.81M | 9.04M |
| Operating Cash Flow | 0.00 | 27.62M | 34.50M | 32.66M | 27.53M | 17.28M |
| Investing Cash Flow | 0.00 | -163.16M | -84.24M | -131.82M | -249.45M | -167.68M |
| Financing Cash Flow | 0.00 | -4.66M | 193.42M | 117.88M | -3.93M | 223.27M |
Mission Bancorp Technical Analysis
Positive
94.76
Price Trends
105.87
Positive
102.07
Positive
96.88
Positive
Market Momentum
2.64
Negative
69.03
Neutral
50.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MSBC, the sentiment is Positive. The current price of 94.76 is below the 20-day moving average (MA) of 108.93, below the 50-day MA of 105.87, and below the 200-day MA of 96.88, indicating a bullish trend. The MACD of 2.64 indicates Negative momentum. The RSI at 69.03 is Neutral, neither overbought nor oversold. The STOCH value of 50.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MSBC.
Mission Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $343.06M | 9.76 | 12.82% | ― | 4.32% | 24.70% | |
75 Outperform | $331.81M | 11.81 | 10.57% | 0.37% | 5.31% | -4.10% | |
74 Outperform | $329.24M | 25.15 | 3.87% | 2.91% | 2.01% | -45.00% | |
73 Outperform | $327.40M | 13.41 | 9.16% | 0.77% | 5.41% | 29.96% | |
72 Outperform | $334.56M | 12.91 | 4.12% | 1.44% | 4.97% | 28.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $321.03M | 12.56 | 12.17% | 1.90% | 15.68% | 20.07% |
* Financial Sector Average
MSBC
Mission Bancorp
114.00
24.24
27.00%
FCCO
First Community
34.55
10.27
42.29%
BCML
BayCom
30.50
4.31
16.46%
FVCB
FVCBankcorp
18.75
6.48
52.84%
COSO
CoastalSouth Bancshares
27.36
7.14
35.32%
JMSB
John Marshall Bancorp
23.67
5.07
27.28%
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.