MBT Bancshares Inc (MBKL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of MBT Bancshares Inc $26.12, price $30.14, upside -13.3%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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MBT Bancshares Inc
MBKL · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $10.95 – $30.16 · fair‑value band $23.02 – $43.15 · the $30.14 price screens above the $26.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
MBT Bancshares, Inc. operates as a bank holding company for the Metairie Bank and Trust Company that provides various banking products and services in the United States.
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MBT Bancshares, Inc. operates as a bank holding company for the Metairie Bank and Trust Company that provides various banking products and services in the United States. The company offers checking, savings, individual retirement, NOW, and money market accounts; non-interest-bearing demand and interest-bearing demand deposits; certificates of deposit; debit and credit cards; and online banking services. It also provides home and mortgage, personal, auto, recreational, business term, commercial real estate, and commercial construction loans; and business and personal lines of credit, and letters of credit, as well as paycheck protection programs (PPP). In addition, the company offers account analysis, ACH, automatic funds transfer, coin counting, collection, foreign currency exchange, merchant, money order, municipal bond coupon redemption, online bill pay, overdraft privilege and protection, remote capture deposit, sweep investment, and wire transfer services; and combined statements, e-statements, official checks, safe deposit boxes, and U.S. savings bonds. Further, it provides retirement and financial planning, professional asset management, and estate planning services; college savings plans, mutual funds, annuities, stocks and bonds, and fixed income securities; and insurance agency services for commercial, personal, health, and life insurance products. It operates through various offices located in Metairie, Mandeville, and Covington, Louisiana. MBT Bancshares, Inc. was founded in 1947 and is based in Metairie, Louisiana.
Stock analysis
MBT Bancshares Inc (MBKL) currently trades at $30.14, while our model-based Fair Value estimate is $26.12, implying the stock looks roughly 15.4% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $36.59 per share, and 2 of the 6 models we run sit above the $30.14 price.
Bear case: the Dividend Discount group reads lowest at $10.75, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $23.02 (bear) to $43.15 (bull), the price of $30.14 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
MBT Bancshares Inc reported revenue of $35.6M in FY2025 versus $22.2M in FY2021, a compound +12.5%/yr. Reported net income was $6.8M in FY2025, compounding +9.8%/yr from FY2021.
Key figures
Market cap $61.6M · P/E ratio 9.1 · P/S ratio 1.73 · EPS (TTM) $3.32 · Dividend yield 3.3% · Net margin 19.1% · Return on equity 13.9% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −13%, MBKL screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 83
Revenue & earnings trend
Growth Forecast
MBKL screens 15% overvalued. Compare with DBS Group →
Compare MBT Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of MBT Bancshares Inc
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