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Mercer Bancorp Inc. (MSBB) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Mercer Bancorp Inc. $14.39, price $20.91, upside -31.2%, quality 43 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 · ISIN US58774N1019

MB Mercer Bancorp Inc. logo Some data Sep 24, 2026

Mercer Bancorp Inc.

MSBB · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $14.39 · Overvalued (−31%)
!Quality 43/100
!Expensive Growth (revenue 3y +11.7 %/yr)
✓Solidly profitable · 14.7% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (4/11)
!Narrow moat 39/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 18 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

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Price vs Fair Value

$20.99 $11.80 Fair Value $14.39 Jul 2023 Sep 2026

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

38‑month range $11.80 – $20.99 · fair‑value band $10.80 – $17.99 · the $20.91 price screens above the $14.39 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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Company profile

Mercer Bancorp, Inc. operates as the bank holding company for Mercer Savings Bank that offers financial products and services to individuals and businesses in western Ohio. The company accepts checking accounts, savings accounts, and certificates of deposit.

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Mercer Bancorp, Inc. operates as the bank holding company for Mercer Savings Bank that offers financial products and services to individuals and businesses in western Ohio. The company accepts checking accounts, savings accounts, and certificates of deposit. Its loan products include one- to four-family residential mortgage loans and agricultural real estate loans secured by properties; and multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans, as well as indirect automobile loans. It invests in securities; and provides online and mobile banking services. The company was founded in 1888 and is based in Celina, Ohio.

Stock analysis

Mercer Bancorp Inc. (MSBB) currently trades at $20.91, while our model-based Fair Value estimate is $14.39, implying the stock looks roughly 45.3% overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $17.50 per share, and 0 of the 4 models we run sit above the $20.91 price.

Bear case: the Multiples group reads lowest at $12.47, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.80 (bear) to $17.99 (bull), the price of $20.91 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.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Mercer Bancorp Inc. reported revenue of $7.0M in FY2025 versus $5.0M in FY2022, a compound +11.7%/yr. Reported net income was $972K in FY2025, compounding +1.0%/yr from FY2022.

Key figures

Market cap $21.5M · P/E ratio 18.3 · P/S ratio 2.53 · EPS (TTM) $1.14 · Net margin 13.8% · Return on equity 4.5% · Return on assets 0.6% · Operating margin 18.3%.

Competitive moat

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

What moves the price

The share trades at its 52-week high and 39% 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 −31%, MSBB screens cheaper than that median.

Fair Value models

Bear $10.80 Fair Value $14.39 Bull $17.99
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 12 months old). Earnings retained since then ($1.12 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 $17.80 $17.50 $15.39 68
P/E Multiple $9.36 $12.47 $15.59 63
P/B Multiple $12.23 $16.31 $20.39 55
All 4 models by family
Multiples
P/E Multiple $9.36 $12.47 $15.59 63
P/B Multiple $12.23 $16.31 $20.39 55
Asset-Based
NCAV (Graham) $12.15 $16.28 $24.30 54
Economic Profit
Residual Income $17.80 $17.50 $15.39 68

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Quality Score breakdown

Overall quality 43/100

Of which business quality 37 · Market factors (momentum, volatility) 81

Profitability 28
Margins and returns on capital today
Quality Growth 54
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 25
Disciplined investing over empire-building
Low Volatility 99
Calm price path (market factor)
Momentum 66
Price trend over the last 3–12 months (market factor)
52W Momentum 88
Distance to the 52-week high (market factor)
Net Issuance 79
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. 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+12.2%
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.
+11.7%
What shareholders gained per year (last 3 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 3 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.
+4.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.7%
Dividend (yield on the price)0.0%

MSBB screens 45% 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 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −31% · Below median
Profitability
Return on equity (TTM) 5% · Bottom 25%
Return on assets 1% · Below median
Net margin (TTM) 15% · Bottom 25%
Operating margin (TTM) 18% · Bottom 25%
Growth and dividend
Revenue growth 10% · Above median
Balance sheet
Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 18.3× · Priciest 25%
P/B 0.87× · Cheaper than median
P/S (TTM) 2.85× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)50 · sector 45
PAST (return on equity)18 · sector 41
HEALTH (low debt)94 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

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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Mercer Bancorp Inc. · Fair Value
$14.39 −45%Fair Value
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Cite: Fair Value Calculator (2026). "Mercer Bancorp Inc. Fair Value". https://www.fairvalue-calculator.com/stock/MSBB

Frequently asked questions

Is Mercer Bancorp Inc. (MSBB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $14.39 versus a price of $20.91, about −31% upside (overvalued).
What is the fair value of MSBB?
Our model-based fair value for Mercer Bancorp Inc. is $14.39 (as of Sep 24, 2026), built from audited fundamentals. The current price: $20.91.
What is the quality score of MSBB?
Mercer Bancorp Inc. 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 Mercer Bancorp Inc. (MSBB)?
Our model-based price target is the fair value of $14.39 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $10.80, optimistic scenario $17.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Mercer Bancorp Inc. stock forecast for 2026?
Our models put fair value at $14.39, about −31% upside versus a price of $20.91 (overvalued). Cautious scenario $10.80, optimistic scenario $17.99. The calculation is refreshed regularly with new filings.
What is the revenue of Mercer Bancorp Inc. (MSBB)?
Mercer Bancorp Inc. reported trailing-twelve-month revenue of about $7.5M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Mercer Bancorp Inc. (MSBB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mercer Bancorp Inc. it is $14.39 per share (as of Sep 24, 2026), against a price of $20.91. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Mercer Bancorp Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MSBB trades above its calculated fair value: price $20.91, fair value $14.39, a gap of about −31% (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 MSBB?
No. The price is what the market pays today ($20.91); the fair value is what the company's own numbers justify ($14.39). For Mercer Bancorp Inc. the two are $6.52 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mercer Bancorp Inc. worth?
The market values Mercer Bancorp Inc. at about $21.5M (market capitalisation, as of Sep 24, 2026). Per share that is $20.91; our models calculate a fair value of $14.39 per share.
What do the bullish and bearish scenarios say about MSBB?
Our models span a range for Mercer Bancorp Inc.: cautious scenario $10.80, base $14.39, optimistic $17.99 per share (as of Sep 24, 2026, price $20.91). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MSBB?
Mercer Bancorp Inc. trades at a price-to-earnings ratio of 18.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.39 is built from several models across several years. Other multiples: P/B 0.9, P/S 2.9.
How solid is the balance sheet of Mercer Bancorp Inc. (MSBB)?
Balance-sheet figures for Mercer Bancorp Inc. (as of Sep 24, 2026): return on equity 4.5%, debt of 0.12 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is MSBB from its 52-week high?
Mercer Bancorp Inc. trades at $20.91, at its 52-week high of $20.99 and 39% above the low of $15.06 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $14.39 is for.
Which stocks are comparable to Mercer 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 Mercer Bancorp Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $20.91, calculated fair value $14.39 (−31%), Quality Score 43/100, 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 MSBB calculated?
We run Mercer 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 $14.39, 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. Mercer 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 Mercer Bancorp Inc. (MSBB)?
The closing price on Sep 23, 2026 was $20.91. Our model-based fair value is $14.39, about −31% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mercer Bancorp Inc. right now?
The price sits above even our optimistic bull case ($17.99). The favourable scenario is already priced in. Weak quality (43/100) 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 Mercer Bancorp Inc.

How large is the market capitalisation of Mercer Bancorp Inc. (MSBB)?
The market capitalisation of Mercer Bancorp Inc. is $21.5M. 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 Mercer Bancorp Inc. (MSBB)?
The price-to-sales ratio of Mercer Bancorp Inc. is 2.53 (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 Mercer Bancorp Inc. (MSBB)?
Earnings per share at Mercer Bancorp Inc. are $1.14 (price ÷ EPS = P/E 18.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Mercer Bancorp Inc. (MSBB)?
The net margin of Mercer Bancorp Inc. is 13.8% (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 Mercer Bancorp Inc. (MSBB)?
The return on equity (ROE) of Mercer Bancorp Inc. is 4.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Mercer Bancorp Inc. (MSBB)?
The return on assets (ROA) of Mercer Bancorp Inc. is 0.6% (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 Mercer Bancorp Inc. (MSBB)?
The operating margin of Mercer Bancorp Inc. is 18.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Mercer Bancorp Inc. (MSBB)?
Revenue at Mercer Bancorp Inc. is growing +9.9% versus a year earlier (3y avg +11.7%). 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 Mercer Bancorp Inc. (MSBB)?
Earnings per share at Mercer Bancorp Inc. are growing +650% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Mercer Bancorp Inc. (MSBB) generate?
The free cash flow of Mercer Bancorp Inc. is −$938K (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 Mercer Bancorp Inc. (MSBB) carry?
The net debt of Mercer Bancorp Inc. is $2.6M (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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