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Merchants & Marine Bancorp, Inc (MNMB) Fair Value & Analysis

Financial Services · US · Market cap $66.3M

Price$49.75
Fair Value$41.86
Upside-15.9%
Quality95/100
Evidence: Medium Range $31.39 – $52.32

Fair value as of: Jun 26, 2026

Analysis

Merchants & Marine Bancorp, Inc (MNMB) currently trades at $49.75, while our model-based Fair Value estimate is $41.86 — implying the stock looks roughly 15.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Merchants & Marine Bancorp, Inc. operates as the holding company for Merchants & Marine Bank that provides personal and business banking products and services. The company offers checking and savings accounts, and individual retirement accounts, as well as certificates of deposit. It also provides personal, auto, boat, recreation vehicle, mortgage, adjustable-rate mortgage, construction, home equity, equipment and machinery, inventory, commercial real-estate, acquisition, and small business administration loans, as well as lines of credit. In addition, the company offers credit cards; and merchant, bill pay, remote deposit capture, ACH origination and notification, positive pay, online banking, e-statements, mobile banking, mobile deposit, mobile wallet, and personalized text alerts services. Merchants & Marine Bancorp, Inc. was founded in 1899 and is based in Pascagoula, Mississippi.

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Frequently asked questions

Is Merchants & Marine Bancorp, Inc (MNMB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $41.86 versus a price of $49.75 — about −16% (overvalued). Model-based estimate, not financial advice.
What is the fair value of MNMB?
Our 21-model fair value for Merchants & Marine Bancorp, Inc is $41.86 (as of Jun 26, 2026), built from audited fundamentals. The current price is $49.75.
What is the quality score of MNMB?
Merchants & Marine Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.