Mission Bancorp (MSBC) AI Stock Analysis

• Market Cap: $258.06M
• Dividend Yield: N/A
• Average Volume (3M): 814.00
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.13
• Revenue Growth: 13.98%
• EPS Growth: -4.20%
• Country: US
• Employees: 140
• Sector: Financial
• Sector Strength: 88
• Industry: Banks - Regional
• EPS (TTM): 11.27
• Shares Outstanding: 2,633,312
• 10 Day Avg. Volume: 1,332
• 30 Day Avg. Volume: 814
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.90
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 2.96
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Mission Bancorp's solid financial performance and positive technical indicators are the primary drivers of its stock score. Despite a strong financial position, the lack of valuation data presents a limitation in fully assessing the stock's attractiveness. Furthermore, the absence of detailed earnings call insights adds a layer of uncertainty. Overall, the stock is well-positioned due to its strong financial fundamentals, but caution is advised due to the limited valuation information and earnings guidance.

Mission Bancorp Business Overview & Revenue Model

Company Description

Mission Bancorp (MSBC) is a financial holding company primarily engaged in providing banking services through its subsidiary, Mission Bank. Headquartered in Bakersfield, California, Mission Bank offers a range of financial products and services to individual and business clients. These services include commercial and consumer loans, deposit products, and cash management services, tailored to meet the needs of its diverse clientele across the region.

How the Company Makes Money

Mission Bancorp generates revenue primarily through interest income derived from its loan portfolio and interest-earning assets. The company extends various types of loans, such as commercial real estate, agricultural, and small business loans, which contribute significantly to its interest income. Additionally, Mission Bancorp earns non-interest income through fees associated with deposit accounts, treasury management services, and other financial products. The bank also benefits from strategic partnerships with local businesses and community organizations, which help to expand its customer base and enhance service offerings. Overall, the company's earnings are driven by its ability to manage interest rate spreads, maintain asset quality, and effectively cross-sell financial products and services.

Mission Bancorp Financial Statement Overview

Summary

Mission Bancorp exhibits strong financial health characterized by solid revenue growth and profitability metrics. The balance sheet reflects prudent leverage management, though the equity ratio suggests reliance on liabilities. Cash flow generation remains robust, supporting operational stability. Overall, the company is well-positioned in the banking industry, with potential areas for improvement in equity strengthening.

Income Statement

Mission Bancorp has demonstrated robust revenue growth with a 12.4% increase from 2022 to 2023. The company maintains a healthy gross profit margin of 100%, reflecting effective management and cost control. Net profit margin improved to 40.8%, indicating enhanced profitability. EBIT and EBITDA margins are strong at 56.2% and 57.2% respectively, showcasing efficient operations and robust earnings before interest and taxes.

Balance Sheet

The company's debt-to-equity ratio stands at 0.29, indicating prudent leverage management relative to equity. Return on equity improved to 19.4% in 2023, suggesting effective utilization of shareholders' funds. With an equity ratio of 9.5%, Mission Bancorp maintains a solid equity base, although this is relatively low for the banking industry, pointing to a higher reliance on liabilities.

Cash Flow

There was a notable 18.1% increase in free cash flow, reflecting improved cash generation capabilities. The operating cash flow to net income ratio is 1.07, indicating strong cash generation relative to net income. The free cash flow to net income ratio is 1.04, underscoring efficient translation of earnings into cash flows.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
78.36M	74.70M	66.45M	52.74M	48.16M
	Gross Profit
78.36M	74.70M	66.45M	52.74M	48.16M
	EBIT
43.49M	41.96M	33.62M	25.62M	21.28M
	EBITDA
42.03M	42.71M	0.00	-242.00	0.00
	Net Income Common Stockholders
30.14M	30.47M	24.25M	18.72M	15.69M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
293.96M	146.78M	130.34M	356.44M	282.88M
	Total Assets
1.88B	1.65B	1.50B	1.52B	1.28B
	Total Debt
0.00	45.28M	23.40M	23.26M	23.97M
	Net Debt
-293.96M	-104.99M	-110.61M	-339.07M	-258.90M
	Total Liabilities
1.69B	1.50B	1.37B	1.40B	1.18B
	Stockholders Equity
189.49M	156.71M	123.78M	120.28M	102.13M
Cash Flow		Free Cash Flow
34.22M	31.65M	26.81M	9.04M	14.04M
	Operating Cash Flow
34.50M	32.66M	27.53M	17.28M	14.44M
	Investing Cash Flow
-84.24M	-131.82M	-249.45M	-167.68M	-232.68M
	Financing Cash Flow
193.42M	117.88M	-3.93M	223.27M	410.11M

Mission Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 97.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 97.5 is above the 20-day moving average (MA) of 94.19, above the 50-day MA of 95.20, and above the 200-day MA of 93.41, indicating a bullish trend. The MACD of 0.84 indicates Negative momentum. The RSI at 55.54 is Neutral, neither overbought nor oversold. The STOCH value of 47.78 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MSBC	77 Outperform	$258.06M	8.78	16.51%	―	13.98%	-4.20%
TSBK	77 Outperform	$243.76M	9.46	10.54%	3.20%	12.28%	5.73%
BWFG	67 Neutral	$263.81M	21.53	4.48%	2.34%	-0.04%	-58.45%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.55%
FDBC	61 Neutral	$235.65M	10.74	10.77%	3.87%	18.68%	32.74%
JMSB	59 Neutral	$244.84M	13.76	7.26%	1.46%	25.96%	485.31%
FRST	50 Neutral	$216.57M	―	-4.38%	4.46%	5.36%	-2.23%