MNB Holdings Corp (MNBO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of MNB Holdings Corp $87.81, price $56.30, upside +56.0%, quality 55 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 24, 2026.
How to read this chart
60‑month range $20.60 – $65.00 · fair‑value band $79.97 – $95.47 · the $56.30 price screens below the $87.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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MNB Holdings Corporation operates as the holding company for Mission National Bank that provides various banking products and services for minority small business and niche retail segments. The company accepts checking, money market, savings, certificates of deposit, and NOW accounts.
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MNB Holdings Corporation operates as the holding company for Mission National Bank that provides various banking products and services for minority small business and niche retail segments. The company accepts checking, money market, savings, certificates of deposit, and NOW accounts. Its loan products include business term loans, business lines of credit, commercial real-estate loans, and letters of credit. The company also offers credit and debit cards; and bill pay, remote deposit capture, and online and mobile banking services. It operates branchesin San Francisco and Berkeley, California The company was founded in 1982 and is based in San Francisco, California.
Stock analysis
MNB Holdings Corp (MNBO) currently trades at $56.30, while our model-based Fair Value estimate is $87.81, implying the stock looks roughly 35.9% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $88.49 per share, and 6 of the 7 models we run sit above the $56.30 price.
Bear case: the Asset-Based group reads lowest at $39.20, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: $79.97 (bear) to $95.47 (bull), the price of $56.30 sits below 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 55/100 (solid 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.
MNB Holdings Corp reported revenue of $6.1M in FY2025 versus $9.5M in FY2021, a compound −10.6%/yr. Reported net income was −$190K in FY2025.
Key figures
Market cap $25.7M · P/S ratio 2.77 · EPS (TTM) $−0.4200 · Net margin −3.1% · Return on equity 7.5% · Return on assets 0.8% · Operating margin 26.0% · Revenue (TTM) $9.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 76% 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 56%, MNBO screens cheaper than that median.
Fair Value models
Bear $79.97Fair Value $87.81Bull $95.47
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.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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+6.3%
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.
−5.3%
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.
−7.4%
Start year 2020 (pandemic). Over 10 years: −4.2% 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.
−3.6%
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What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
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).
+15.5%
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 +12.8% a year for the price.
Price, fair value, quality and upside side by side.
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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 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+56% · Top 25%
Profitability
Return on equity (TTM)8% · Below median
Return on assets1% · Below median
Net margin (TTM)17% · Bottom 25%
Operating margin (TTM)26% · Below median
Growth and dividend
Revenue growth0% · Bottom 25%
Balance sheet
Debt / equity0.57× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is MNB Holdings Corp (MNBO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $87.81 versus a price of $56.30, about +56% upside (undervalued).
What is the fair value of MNBO?
Our model-based fair value for MNB Holdings Corp is $87.81 (as of Sep 24, 2026), built from audited fundamentals. The current price: $56.30.
What is the quality score of MNBO?
MNB Holdings Corp has a Quality Score of 55/100. 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 MNB Holdings Corp (MNBO)?
Our model-based price target is the fair value of $87.81 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario $79.97, optimistic scenario $95.47. It is a calculation from audited fundamentals, not an analyst target.
What is the MNB Holdings Corp stock forecast for 2026?
Our models put fair value at $87.81, about +56% upside versus a price of $56.30 (undervalued). Cautious scenario $79.97, optimistic scenario $95.47. The calculation is refreshed regularly with new filings.
What is the revenue of MNB Holdings Corp (MNBO)?
MNB Holdings Corp reported trailing-twelve-month revenue of about $9.3M (latest available figure, as of Sep 24, 2026).
What growth is priced into MNB Holdings Corp (MNBO)?
For today's price to be fair in a discounted-cash-flow model, MNB Holdings Corp would have to grow free cash flow by +15.5 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -7.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of MNBO use?
Our models discount MNB Holdings Corp at 9.7 %: a base by market capitalisation (nano), 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 MNB Holdings Corp that is +15.5 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has MNB Holdings Corp (MNBO) delivered so far?
Over the past 5 years revenue at MNB Holdings Corp grew -7.4 % a year. The price currently implies +15.5 % 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 MNB Holdings Corp (MNBO) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into MNB Holdings Corp (+15.5 % 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 MNB Holdings Corp (MNBO)?
The free-cash-flow yield on the price is 3.90 %: that much free cash flow MNB Holdings Corp produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of MNB Holdings Corp (MNBO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MNB Holdings Corp it is $87.81 per share (as of Sep 24, 2026), against a price of $56.30. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is MNB Holdings Corp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MNBO trades below its calculated fair value: price $56.30, fair value $87.81, a gap of about +56% (undervalued). 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 MNBO?
No. The price is what the market pays today ($56.30); the fair value is what the company's own numbers justify ($87.81). For MNB Holdings Corp the two are $31.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is MNB Holdings Corp worth?
The market values MNB Holdings Corp at about $25.7M (market capitalisation, as of Sep 24, 2026). Per share that is $56.30; our models calculate a fair value of $87.81 per share.
What do the bullish and bearish scenarios say about MNBO?
Our models span a range for MNB Holdings Corp: cautious scenario $79.97, base $87.81, optimistic $95.47 per share (as of Sep 24, 2026, price $56.30). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of MNB Holdings Corp (MNBO)?
Balance-sheet figures for MNB Holdings Corp (as of Sep 24, 2026): return on equity 7.5%, debt of 0.57 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is MNBO from its 52-week high?
MNB Holdings Corp trades at $56.30, about 13% below its 52-week high of $65.00 and 76% above the low of $32.00 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $87.81 is for.
Which stocks are comparable to MNB Holdings Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 MNB Holdings Corp stock attractive at the current price?
The data as of Sep 24, 2026: price $56.30, calculated fair value $87.81 (+56%), Quality Score 55/100, from 7 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 MNBO calculated?
We run MNB Holdings Corp through 7 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 $87.81, 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 14.0 % above its aggregate fair value. MNB Holdings Corp currently trades 56 % below its own fair value, and the market average says nothing about that. 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 MNB Holdings Corp (MNBO)?
The closing price on Sep 24, 2026 was $56.30. Our model-based fair value is $87.81, about +56% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MNB Holdings Corp right now?
The price is below even our cautious bear case ($79.97). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. 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 MNB Holdings Corp
How large is the market capitalisation of MNB Holdings Corp (MNBO)?
The market capitalisation of MNB Holdings Corp is $25.7M. 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 MNB Holdings Corp (MNBO)?
The price-to-sales ratio of MNB Holdings Corp is 2.77 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of MNB Holdings Corp (MNBO)?
Earnings per share at MNB Holdings Corp are $−0.4200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of MNB Holdings Corp (MNBO)?
The net margin of MNB Holdings Corp is −3.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of MNB Holdings Corp (MNBO)?
The return on equity (ROE) of MNB Holdings Corp is 7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of MNB Holdings Corp (MNBO)?
The return on assets (ROA) of MNB Holdings Corp is 0.8% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of MNB Holdings Corp (MNBO)?
The operating margin of MNB Holdings Corp is 26.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
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Thin data
Sep 24, 2026