Mission Bancorp (MSBC) AI Stock Analysis

Top Page

Mission Bancorp

(Other OTC:MSBC)

Select Model

Rating:80Outperform

Price Target:$144.00▲(15.20% Upside)

Action:reiterated

Date:08/18/26

Robust financial performance driven by revenue growth and balance sheet strength is the main contributor, complemented by positive technical indicators and attractive valuation metrics.

Positive Factors

Revenue ExpansionThe substantial multi-year increase in revenue indicates that Mission Bancorp has expanded its banking activity and customer base over time. A larger revenue base can support continued investment in operations and improve the company’s ability to compound earnings across future periods.

Negative Factors

Margin CompressionAlthough profitability remains healthy, the significant decline in net margin from prior peaks shows that earnings efficiency has not been fully preserved. If margins remain below historical highs, future revenue growth may translate into slower earnings growth and reduced operating leverage.

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

Solid income statement with revenue growth to $113.3M, robust balance sheet with low debt-to-equity ratio of 0.05, and strong cash flow generation.

Income Statement

75Positive

Balance Sheet

80Positive

Cash Flow

78Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price125.00

Price Trends

50DMA119.53Positive

100DMA114.02Positive

200DMA105.73Positive

Market Momentum

MACD1.21Negative

RSI60.97Neutral

STOCH100.00Negative

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

UnderperformOutperform

Sector (68)

Financial Indicators

MSBC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MSBC	80Outperform	$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

MSBC and its peers over the selected period
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%

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 18, 2026

Mission Bancorp AI Stock Analysis