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Mercer Bancorp, Inc (MSBB) Fair Value & Analysis

Financial Services · US · Market cap $19.8M

Price$19.56
Fair Value$12.47
Upside-36.2%
Quality91/100
Evidence: Medium Range $9.36 – $15.59

Fair value as of: Jun 26, 2026

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Analysis

Mercer Bancorp, Inc (MSBB) currently trades at $19.56, while our model-based Fair Value estimate is $12.47 — implying the stock looks roughly 36.2% overvalued today. We read business quality at 91/100 (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

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.

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Frequently asked questions

Is Mercer Bancorp, Inc (MSBB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $12.47 versus a price of $19.56 — about −36% (overvalued). Model-based estimate, not financial advice.
What is the fair value of MSBB?
Our 21-model fair value for Mercer Bancorp, Inc is $12.47 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.56.
What is the quality score of MSBB?
Mercer Bancorp, Inc has a Quality Score of 91/100, 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.