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

As of Oct 29, 2026: fair value (intrinsic value) of Mercer Bancorp Inc. stock $23.25, price $20.00, upside +16.3%, quality 38 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

MB Mercer Bancorp Inc. logo Thin data Nov 9, 2026

Mercer Bancorp Inc.

MSBB · US
Speculative

The stock costs 14% less than our calculation considers fair.

Fair value $23.25 · Undervalued
Solidly profitable · 14.7% net margin (TTM)
Expensive Growth (revenue 3y +11.7 %/yr in USD)
Mixed vs. peers (5/11)
Quality 38/100
Narrow moat 39/100
Thin data
⚠ Thinly traded
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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

$22.22 $11.80 Fair Value $23.25 Jul 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

39‑month range $11.80 – $22.22 · fair‑value band $17.44 – $29.06 · the $20.00 price screens below the $23.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 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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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 $20.00, while our model-based Fair Value estimate is $23.25, implying the stock looks roughly 14% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $23.25 per share, and 1 of the 4 models we run sit above the $20.00 price.

Bear case: the Asset-Based group reads lowest at $16.28, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: $17.44 (bear) to $29.06 (bull), the price of $20.00 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 38/100 (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 $20.5M Micro · P/E ratio 17.4 · P/S ratio 2.73 · EPS (TTM) $1.15 · Net margin 14.7% · 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 39 out of 100 (medium confidence).

What moves the price

The share trades about 10% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 16%, MSBB screens cheaper than that median.

Fair Value models

Bear $17.44 Fair Value $23.25 Bull $29.06
Price $20.00 · Upside +16.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.15 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income $18.36 $18.27 $19.04 68
P/E Multiple $9.36 $12.47 $15.59 63
P/B Multiple $25.52 $34.02 $42.53 55
All 4 models by family
Multiples
P/E Multiple $9.36 $12.47 $15.59 63
P/B Multiple $25.52 $34.02 $42.53 55
Asset-Based
NCAV (Graham) $12.15 $16.28 $24.30 54
Economic Profit
Residual Income $18.36 $18.27 $19.04 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 38/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 46
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 25
Does it invest with discipline instead of growing at any price?
Low Volatility 93
How calm the share price moves, does not count
Price momentum 65
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 68
Distance to the 52-week high, does not count
New shares 79
Buys back shares or issues new ones?

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Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

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%

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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 · 996 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside +16.3% · Top 25%
Profitability
Return on equity (12 months) 4.5% · Bottom 25%
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 14.7% · Bottom 25%
Operating margin (12 months) 18.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 9.9% · Above median
Balance sheet
Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 17.4× · Priciest 25%
P/B 0.83× · Cheapest 25%
P/S (12 months) 2.73× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)55 · sector 8
FUTURE (revenue growth)50 · sector 47
PAST (return on equity)18 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs MSBB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs MSBB
BNP Paribas SA BNP €91.93 €106.01 +15% vs MSBB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs MSBB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs MSBB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs MSBB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs MSBB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs MSBB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs MSBB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs MSBB

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Mercer Bancorp Inc.: fair value per Fair Value Calculator

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 Nov 9, 2026, our model estimates a fair value of $23.25 versus the last price from Oct 29, 2026 of $20.00, about +16% upside (undervalued).
What is the fair value of MSBB?
Our model-based fair value for Mercer Bancorp Inc. is $23.25 (as of Nov 9, 2026), built from audited fundamentals. Last price (from Oct 29, 2026): $20.00.
What is the quality score of MSBB?
Mercer Bancorp Inc. has a Quality Score of 38/100. 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 $23.25 (as of Nov 9, 2026) from 4 valuation models. Cautious scenario $17.44, optimistic scenario $29.06. 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 $23.25, about +16% upside versus the last price from Oct 29, 2026 of $20.00 (undervalued). Cautious scenario $17.44, optimistic scenario $29.06. 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 Nov 9, 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 $23.25 per share (as of Nov 9, 2026), against a price of $20.00. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Mercer Bancorp Inc. stock overvalued or undervalued in 2026?
As of Nov 9, 2026, MSBB trades below its calculated fair value: price $20.00, fair value $23.25, a gap of about +16% (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 MSBB?
No. The price is what the market pays today ($20.00); the fair value is what the company's own numbers justify ($23.25). For Mercer Bancorp Inc. the two are $3.25 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 $20.5M (market capitalisation, as of Nov 9, 2026). Per share that is $20.00; our models calculate a fair value of $23.25 per share.
What do the bullish and bearish scenarios say about MSBB?
Our models span a range for Mercer Bancorp Inc.: cautious scenario $17.44, base $23.25, optimistic $29.06 per share (as of Nov 9, 2026, price $20.00). 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 17.4 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $23.25 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.7.
How solid is the balance sheet of Mercer Bancorp Inc. (MSBB)?
Balance-sheet figures for Mercer Bancorp Inc. (as of Nov 9, 2026): return on equity 4.5%, debt of 0.12 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is MSBB from its 52-week high?
Mercer Bancorp Inc. trades at $20.00, about 10% below its 52-week high of $22.22 and 31% above the low of $15.25 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $23.25 is for.
Which stocks are comparable to Mercer Bancorp Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 9, 2026: price $20.00, calculated fair value $23.25 (+16%), Quality Score 38/100, 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 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $23.25 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Mercer Bancorp Inc. currently trades 14% 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 Mercer Bancorp Inc. (MSBB)?
The latest price we hold is from Oct 29, 2026 and stands at $20.00. Our model-based fair value is $23.25, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mercer Bancorp Inc. right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 $20.5M. 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 2.73 (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 Mercer Bancorp Inc. (MSBB)?
Earnings per share at Mercer Bancorp Inc. are $1.15 (price ÷ EPS = P/E 17.4). 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 14.7% (last twelve months). 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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