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Mission Bancorp (MSBC) AI Stock Analysis
Mission Bancorp
(Other OTC:MSBC)
The overall score is driven primarily by strong financial fundamentals, including consistent revenue and asset growth, low leverage, and reliable cash generation, which more than offset recent margin pressure. A conservative P/E-based valuation further supports the rating by indicating the shares are not aggressively priced relative to earnings. Technical indicators add positively with a steady uptrend and moderate momentum without signs of overbought conditions, reinforcing a solid but measured risk–return profile for the stock.
Mission Bancorp (MSBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $384.90M
- Dividend Yield
- ―
- Average Volume (3M)
- 922
- Price to Earnings (P/E)
- 10.9
- Beta (1Y)
- 0.08
- Revenue Growth
- 3.95%
- EPS Growth
- 22.97%
- Country
- US
- Employees
- 20
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, including...
Mission Bancorp Financial Statement Overview
Summary
Financial performance is strong, combining solid revenue growth (from $48M in 2020 to $113M in 2025), healthy but slightly pressured profit margins (net margin easing to 24% in 2025 from 28% in 2024), an exceptionally conservative balance sheet with debt-to-equity at 0.05 in 2025, robust ROE in the 12–19% range, and steadily improving operating cash flow with free cash flow closely tracking net income.
Income Statement
72PositiveBalance Sheet
88Very PositiveCash Flow
85Very 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 |
| 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 | 27.17M | 34.22M | 31.65M | 26.81M | 9.04M |
| Operating Cash Flow | 0 | 27.62M | 34.50M | 32.66M | 27.53M | 17.28M |
| Investing Cash Flow | 0 | -163.16M | -84.24M | -131.82M | -249.45M | -167.68M |
| Financing Cash Flow | 0 | -4.66M | 193.42M | 117.88M | -3.93M | 223.27M |
Mission Bancorp Technical Analysis
Price Trends
Market Momentum
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 125.00 is above the 20-day moving average (MA) of 122.48, above the 50-day MA of 119.53, and above the 200-day MA of 105.73, indicating a bullish trend. The MACD of 1.21 indicates Negative momentum. The RSI at 60.97 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MSBC.
Mission Bancorp Peers Comparison
Overall Rating
- MSBC81.8Outperform
JMSB78Outperform
COSO72Outperform
FVCB72Outperform
FCCO65Neutral
BCML57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MSBC | 82Outperform | $366.58M | 10.89 | 14.28% | ― | 3.95% | 22.97% |
| JMSB | 78Outperform | $323.73M | 12.14 | 9.80% | 1.22% | 6.77% | 33.32% |
| COSO | 72Outperform | $327.15M | 11.29 | 11.22% | 0.54% | 8.14% | 12.46% |
| FVCB | 72Outperform | $304.24M | 11.25 | 10.27% | 1.60% | 4.48% | 27.37% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FCCO | 65Neutral | $310.00M | 11.37 | 12.61% | 1.97% | 18.81% | 19.11% |
| BCML | 57Neutral | $336.01M | 36.63 | 2.73% | 3.90% | -4.80% | -59.69% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MSBC | Mission Bancorp | 125.00 | 34.52 | 38.16% | |
| FCCO | First Community | 32.98 | 6.82 | 26.08% | |
| BCML | Baycom | 30.77 | 4.61 | 17.64% | |
| FVCB | Fvcbankcorp | 16.87 | 4.96 | 41.63% | |
| COSO | CoastalSouth Bancshares | 27.88 | 6.47 | 30.25% | |
| JMSB | John Marshall Bancorp | 22.94 | 4.18 | 22.25% |
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 18, 2026