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Merchants & Marine Bancorp Inc (MNMB) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Merchants & Marine Bancorp Inc $45.86, price $54.50, upside -15.9%, quality 34 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US

MM Merchants & Marine Bancorp Inc logo Some data Sep 23, 2026

Merchants & Marine Bancorp Inc

MNMB · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $45.86 · Overvalued (−16%)
!Quality 34/100
!Mixed Growth (revenue 5y +12.8 %/yr)
!Thin margins · 8.4% net margin (TTM)
!Low debt · negative free cash flow
·2.66% dividend yield
!Trails peers (4/12)
!Narrow moat 27/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 12 out of 100
!Weak on future: 7 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$61.00 $13.31 Fair Value $45.86 Oct 2015 Sep 2026

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 $13.31 – $61.00 · fair‑value band $34.40 – $57.33 · the $54.50 price screens above the $45.86 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

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.

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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.

Stock analysis

Merchants & Marine Bancorp Inc (MNMB) currently trades at $54.50, while our model-based Fair Value estimate is $45.86, implying the stock looks roughly 18.8% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $66.00 per share, and 3 of the 4 models we run sit above the $54.50 price.

Bear case: the Multiples group reads lowest at $41.86, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $34.40 (bear) to $57.33 (bull), the price of $54.50 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 34/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Merchants & Marine Bancorp Inc reported revenue of $46.0M in FY2025 versus $27.2M in FY2021, a compound +14.0%/yr. Reported net income was $4.3M in FY2025, compounding +18.3%/yr from FY2021.

Key figures

Market cap $72.5M · P/E ratio 25.8 · P/S ratio 2.40 · EPS (TTM) $2.11 · Dividend yield 2.7% · Net margin 9.3% · Return on equity 3.0% · Return on assets (EBIT) 1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 11% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −16%, MNMB screens cheaper than that median.

Fair Value models

Bear $34.40 Fair Value $45.86 Bull $57.33
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 ($0.4846 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.
Highest evidence
Residual Income $64.51 $60.36 $44.98 76
P/E Multiple $31.39 $41.86 $52.32 63
P/B Multiple $41.05 $54.74 $68.42 55
All 4 models by family
Multiples
P/E Multiple $31.39 $41.86 $52.32 63
P/B Multiple $41.05 $54.74 $68.42 55
Asset-Based
NCAV (Graham) $49.25 $66.00 $98.51 54
Economic Profit
Residual Income $64.51 $60.36 $44.98 76

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Quality Score breakdown

Overall quality 34/100

Of which business quality 37 · Market factors (momentum, volatility) 75

Profitability 18
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 27
Earnings quality: real cash, not paper profit
Fin. Strength 29
Balance sheet, leverage, solvency risk
Investment 44
Disciplined investing over empire-building
Low Volatility 76
Calm price path (market factor)
Momentum 77
Price trend over the last 3–12 months (market factor)
52W Momentum 72
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 42/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.6%
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.
+14.9%
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.
+12.8%
Start year 2020 (pandemic). Over 10 years: +6.8% a year
Revenue growth 17 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.
+4.1%
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.
+4.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.3%
Dividend (yield on the price)2.7%
Profit margin 2008 to 2011 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 25%

MNMB screens 19% overvalued. Compare with DBS Group →

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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 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside −16% · Above median
Profitability
Return on equity (TTM) 3% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 8% · Bottom 25%
Operating margin (TTM) 4% · Bottom 25%
Growth and dividend
Revenue growth 1% · Below median
Dividend yield (TTM) 2.7% · Above median
Balance sheet
Debt / equity 0.38× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 25.8× · Priciest 25%
P/B 0.55× · Cheapest 25%
P/S (TTM) 1.59× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)12 · sector 11
FUTURE (revenue growth)7 · sector 45
PAST (return on equity)12 · sector 41
HEALTH (low debt)81 · sector 85
DIVIDEND (yield)53 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
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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Merchants & Marine Bancorp Inc · Fair Value
$45.86 −19%Fair Value
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Cite: Fair Value Calculator (2026). "Merchants & Marine Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/MNMB

Frequently asked questions

Is Merchants & Marine Bancorp Inc (MNMB) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $45.86 versus a price of $54.50, about −16% upside (overvalued).
What is the fair value of MNMB?
Our model-based fair value for Merchants & Marine Bancorp Inc is $45.86 (as of Sep 23, 2026), built from audited fundamentals. The current price: $54.50.
What is the quality score of MNMB?
Merchants & Marine Bancorp Inc has a Quality Score of 34/100. 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 Merchants & Marine Bancorp Inc (MNMB)?
Our model-based price target is the fair value of $45.86 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $34.40, optimistic scenario $57.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Merchants & Marine Bancorp Inc stock forecast for 2026?
Our models put fair value at $45.86, about −16% upside versus a price of $54.50 (overvalued). Cautious scenario $34.40, optimistic scenario $57.33. The calculation is refreshed regularly with new filings.
What is the revenue of Merchants & Marine Bancorp Inc (MNMB)?
Merchants & Marine Bancorp Inc reported trailing-twelve-month revenue of about $45.6M (latest available figure, as of Sep 23, 2026).
Does Merchants & Marine Bancorp Inc pay a dividend?
Merchants & Marine Bancorp Inc currently shows a dividend yield of about 2.66% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Merchants & Marine Bancorp Inc (MNMB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Merchants & Marine Bancorp Inc it is $45.86 per share (as of Sep 23, 2026), against a price of $54.50. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Merchants & Marine Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MNMB trades above its calculated fair value: price $54.50, fair value $45.86, a gap of about −16% (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 MNMB?
No. The price is what the market pays today ($54.50); the fair value is what the company's own numbers justify ($45.86). For Merchants & Marine Bancorp Inc the two are $8.64 per share apart. That gap is exactly why we show both numbers side by side.
How much is Merchants & Marine Bancorp Inc worth?
The market values Merchants & Marine Bancorp Inc at about $72.5M (market capitalisation, as of Sep 23, 2026). Per share that is $54.50; our models calculate a fair value of $45.86 per share.
What do the bullish and bearish scenarios say about MNMB?
Our models span a range for Merchants & Marine Bancorp Inc: cautious scenario $34.40, base $45.86, optimistic $57.33 per share (as of Sep 23, 2026, price $54.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MNMB?
Merchants & Marine Bancorp Inc trades at a price-to-earnings ratio of 25.8 (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 $45.86 is built from several models across several years. Other multiples: P/B 0.6, P/S 1.6.
How solid is the balance sheet of Merchants & Marine Bancorp Inc (MNMB)?
Balance-sheet figures for Merchants & Marine Bancorp Inc (as of Sep 23, 2026): return on equity 3.0%, debt of 0.38 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is MNMB from its 52-week high?
Merchants & Marine Bancorp Inc trades at $54.50, about 11% below its 52-week high of $61.00 and 48% above the low of $36.74 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $45.86 is for.
Which stocks are comparable to Merchants & Marine Bancorp Inc?
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 Merchants & Marine Bancorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $54.50, calculated fair value $45.86 (−16%), Quality Score 34/100, from 4 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 MNMB calculated?
We run Merchants & Marine Bancorp Inc through 4 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 $45.86, 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 13.0 % above its aggregate fair value. Merchants & Marine Bancorp Inc 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 Merchants & Marine Bancorp Inc (MNMB)?
The closing price on Sep 23, 2026 was $54.50. Our model-based fair value is $45.86, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Merchants & Marine Bancorp Inc right now?
Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Merchants & Marine Bancorp Inc

How large is the market capitalisation of Merchants & Marine Bancorp Inc (MNMB)?
The market capitalisation of Merchants & Marine Bancorp Inc is $72.5M. 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 Merchants & Marine Bancorp Inc (MNMB)?
The price-to-sales ratio of Merchants & Marine Bancorp Inc is 2.40 (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 Merchants & Marine Bancorp Inc (MNMB)?
Earnings per share at Merchants & Marine Bancorp Inc are $2.11 (price ÷ EPS = P/E 25.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Merchants & Marine Bancorp Inc (MNMB)?
The dividend yield of Merchants & Marine Bancorp Inc is 2.7% (payout 68.7%). 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 Merchants & Marine Bancorp Inc (MNMB)?
The net margin of Merchants & Marine Bancorp Inc is 9.3% (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 Merchants & Marine Bancorp Inc (MNMB)?
The return on equity (ROE) of Merchants & Marine Bancorp Inc is 3.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Merchants & Marine Bancorp Inc (MNMB)?
On an EBIT basis the return on assets of Merchants & Marine Bancorp Inc is 1.2% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Merchants & Marine Bancorp Inc (MNMB)?
The operating margin of Merchants & Marine Bancorp Inc is 4.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Merchants & Marine Bancorp Inc (MNMB)?
Revenue at Merchants & Marine Bancorp Inc is growing +1.3% versus a year earlier (3y avg +14.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Merchants & Marine Bancorp Inc (MNMB)?
Earnings per share at Merchants & Marine Bancorp Inc are growing +17.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Merchants & Marine Bancorp Inc (MNMB) generate?
The free cash flow of Merchants & Marine Bancorp Inc is −$3.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Merchants & Marine Bancorp Inc (MNMB) carry?
The net debt of Merchants & Marine Bancorp Inc is $121M (fiscal year 2025). 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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