Marquette National Corp (MNAT) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Marquette National Corp $32.57, price $37.61, upside -13.4%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 $15.68 – $39.04 · fair‑value band $30.68 – $36.72 · the $37.61 price screens above the $32.57 fair value. Dashed = 300-day average. As of Sep 23, 2026.
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Marquette National Corporation operates as the bank holding company of Marquette Bank that provides community banking services in Illinois. It offers financial solutions, including retail banking, real estate lending, trust, investments, wealth management and business banking to consumers and commercial customers.
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Marquette National Corporation operates as the bank holding company of Marquette Bank that provides community banking services in Illinois. It offers financial solutions, including retail banking, real estate lending, trust, investments, wealth management and business banking to consumers and commercial customers. The company provides personal checking accounts; business checking accounts, including commercial checking accounts, now accounts, and small business checking; business savings and commercial money market accounts; vehicle, term, lines of credit, collateralized, and commercial loans, as well as fixed home equity loans and home equity line of credit; credit and debit cards; apartment lending; and business, personal, property and home, and vehicle insurance. It also offers treasury solutions, such as online banking for business, merchant payment processing, business remote deposit, lockbox processing, sweep accounts, and zero balance accounts; individual retirement accounts, and certificates of deposit; safe deposit boxes; and trust, investment, wire transfer, mobile banking, and bill payment services. It has 20 offices and two loan production offices with locations in Chicago, Bolingbrook, Bridgeview, Evergreen Park, Hickory Hills, Lemont, New Lenox, Oak Forest, Oak Lawn, Orland Park, Romeoville, and Summit, Illinois. The company was founded in 1945 and is based in Chicago, Illinois.
Stock analysis
Marquette National Corp (MNAT) currently trades at $37.61, while our model-based Fair Value estimate is $32.57, implying the stock looks roughly 15.5% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $39.51 per share, and 2 of the 6 models we run sit above the $37.61 price.
Bear case: the Dividend Discount group reads lowest at $10.57, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $30.68 (bear) to $36.72 (bull), the price of $37.61 sits above 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 43/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Marquette National Corp reported revenue of $77.0M in FY2025 versus $75.7M in FY2021, a compound +0.4%/yr. Reported net income was $13.2M in FY2025, compounding −1.8%/yr from FY2021.
Key figures
Market cap $163M · P/E ratio 12.3 · P/S ratio 2.10 · EPS (TTM) $3.03 · Dividend yield 3.2% · Net margin 17.1% · Free cash flow $1.1M · Net debt $88.9M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −13%, MNAT screens cheaper than that median.
Fair Value models
Bear $30.68Fair Value $32.57Bull $36.72
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($2.22 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.26/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−7.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.3%
Start year 2020 (pandemic). Over 10 years: +1.5% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.3%
Dividend (yield on the price)3.2%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+53.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +49.8% a year for the price.
Compare Marquette National Corp with another stock
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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
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−13% · Above median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)17% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)3.2% · Above median
Balance sheet
Debt / equity0.47× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Marquette National Corp Fair Value". https://www.fairvalue-calculator.com/stock/MNAT
Frequently asked questions
Is Marquette National Corp (MNAT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $32.57 versus a price of $37.61, about −13% upside (overvalued).
What is the fair value of MNAT?
Our model-based fair value for Marquette National Corp is $32.57 (as of Sep 23, 2026), built from audited fundamentals. The current price: $37.61.
What is the quality score of MNAT?
Marquette National Corp has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Marquette National Corp (MNAT)?
Our model-based price target is the fair value of $32.57 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $30.68, optimistic scenario $36.72. It is a calculation from audited fundamentals, not an analyst target.
What is the Marquette National Corp stock forecast for 2026?
Our models put fair value at $32.57, about −13% upside versus a price of $37.61 (overvalued). Cautious scenario $30.68, optimistic scenario $36.72. The calculation is refreshed regularly with new filings.
Does Marquette National Corp pay a dividend?
Marquette National Corp currently shows a dividend yield of about 3.17% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Marquette National Corp (MNAT)?
For today's price to be fair in a discounted-cash-flow model, Marquette National Corp would have to grow free cash flow by +53.4 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -3.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of MNAT use?
Our models discount Marquette National Corp at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Marquette National Corp that is +53.4 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Marquette National Corp (MNAT) delivered so far?
Over the past 5 years revenue at Marquette National Corp grew -3.3 % a year. The price currently implies +53.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Marquette National Corp (MNAT) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Marquette National Corp (+53.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Marquette National Corp (MNAT)?
The free-cash-flow yield on the price is 0.67 %: that much free cash flow Marquette National Corp produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Marquette National Corp (MNAT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Marquette National Corp it is $32.57 per share (as of Sep 23, 2026), against a price of $37.61. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Marquette National Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MNAT trades above its calculated fair value: price $37.61, fair value $32.57, a gap of about −13% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MNAT?
No. The price is what the market pays today ($37.61); the fair value is what the company's own numbers justify ($32.57). For Marquette National Corp the two are $5.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Marquette National Corp worth?
The market values Marquette National Corp at about $163M (market capitalisation, as of Sep 23, 2026). Per share that is $37.61; our models calculate a fair value of $32.57 per share.
What do the bullish and bearish scenarios say about MNAT?
Our models span a range for Marquette National Corp: cautious scenario $30.68, base $32.57, optimistic $36.72 per share (as of Sep 23, 2026, price $37.61). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MNAT?
Marquette National Corp trades at a price-to-earnings ratio of 12.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $32.57 is built from several models across several years. Other multiples: P/B 0.8.
How solid is the balance sheet of Marquette National Corp (MNAT)?
Balance-sheet figures for Marquette National Corp (as of Sep 23, 2026): debt of 0.47 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is MNAT from its 52-week high?
Marquette National Corp trades at $37.61, about 4% below its 52-week high of $39.04 and 25% above the low of $30.20 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $32.57 is for.
Which stocks are comparable to Marquette National Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Marquette National Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $37.61, calculated fair value $32.57 (−13%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MNAT calculated?
We run Marquette National Corp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $32.57, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Marquette National Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Marquette National Corp (MNAT)?
The closing price on Sep 23, 2026 was $37.61. Our model-based fair value is $32.57, about −13% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Marquette National Corp right now?
The price sits above even our optimistic bull case ($36.72). The favourable scenario is already priced in. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Marquette National Corp
How large is the market capitalisation of Marquette National Corp (MNAT)?
The market capitalisation of Marquette National Corp is $163M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Marquette National Corp (MNAT)?
The price-to-sales ratio of Marquette National Corp is 2.10 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Marquette National Corp (MNAT)?
Earnings per share at Marquette National Corp are $3.03 (price ÷ EPS = P/E 12.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Marquette National Corp (MNAT)?
The dividend yield of Marquette National Corp is 3.2% (payout 39.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Marquette National Corp (MNAT)?
The net margin of Marquette National Corp is 17.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much net debt does Marquette National Corp (MNAT) carry?
The net debt of Marquette National Corp is $88.9M (fiscal year 2022, ≈ 80.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026