OTCPK:MBCQ

Stock Analysis Report

Executive Summary

MB Bancorp, Inc. operates as the holding company for Madison Bank of Maryland that provides various financial products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • MB Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has MB Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:MBCQ

2.4%

US Mortgage

2.9%

US Market


1 Year Return

0.6%

OTCPK:MBCQ

-1.5%

US Mortgage

0.2%

US Market

MBCQ outperformed the Mortgage industry which returned -1.5% over the past year.

MBCQ matched the United States of America Market (0.2%) over the past year.


Share holder returns

MBCQIndustryMarket
7 Day0%2.4%2.9%
30 Day1.2%-1.5%-2.3%
90 Day6.6%0.6%3.1%
1 Year0.6%0.6%0.6%-1.5%2.4%0.2%
3 Year27.3%27.3%32.6%23.8%41.7%32.4%
5 Yearn/a58.2%41.6%55.1%37.9%

Price Volatility Vs. Market

How volatile is MB Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is MB Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.64x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for MB Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for MB Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

MB Bancorp is good value based on earnings compared to the US Mortgage industry average.

MB Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for MB Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

MB Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is MB Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as MB Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Examine whether MB Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access MB Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has MB Bancorp performed over the past 5 years?

47.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

MB Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

MB Bancorp's 1-year earnings growth exceeds its 5-year average (2895.1% vs 47.1%)

MB Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (2895.1% vs 32.9%).


Return on Equity

MB Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

MB Bancorp used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if MB Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is MB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

MB Bancorp has an acceptable proportion of non-loan assets held.

MB Bancorp has a sufficient allowance for bad loans.

MB Bancorp's liabilities are made up of primarily low risk sources of funding.

MB Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at MB Bancorp are broadly funded by customer deposits.

MB Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is MB Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate MB Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate MB Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as MB Bancorp has not reported any payouts.

Unable to verify if MB Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as MB Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of MB Bancorp's salary, the management and board of directors tenure and is there insider trading?

2.9yrs

Average board tenure


CEO

Phil Phillips (63yo)

2.9yrs

Tenure

US$284,085

Compensation

Mr. Phillip P. Phillips, also known as Phil, has been the Chief Executive Officer and President of MB Bancorp, Inc. and Madison Bank of Maryland since September 30, 2016. Mr. Phillips served as the Chief E ...


CEO Compensation Analysis

Phil's remuneration is lower than average for companies of similar size in United States of America.

Phil's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

2.9yrs

Average Tenure

61yo

Average Age

The average tenure for the MB Bancorp board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • John Wright (52yo)

    Executive VP & CFO

    • Tenure: 2.7yrs
    • Compensation: US$277.59k
  • Phil Phillips (63yo)

    President

    • Tenure: 2.9yrs
    • Compensation: US$284.09k
  • Lisa McGuire-Dick (54yo)

    Senior VP & Corporate Secretary

    • Tenure: 0.0yrs
    • Compensation: US$106.82k

Board Members

  • Nicole Glaeser (61yo)

    Director

    • Tenure: 2.7yrs
    • Compensation: US$22.51k
  • Randall Pace (59yo)

    Director

    • Tenure: 3.7yrs
    • Compensation: US$21.76k
  • Jeffrey Thorp

    Director

    • Tenure: 1.4yrs
    • Compensation: US$18.53k
  • Louis Vigliotti (61yo)

    Director

    • Tenure: 2.7yrs
    • Compensation: US$22.31k
  • Phil Phillips (63yo)

    President

    • Tenure: 2.9yrs
    • Compensation: US$284.09k
  • Corissa Briglia Porcelli (32yo)

    Director

    • Tenure: 1.4yrs
    • Compensation: US$19.26k
  • John Fiorini (81yo)

    Director Emeritus

    • Tenure: 3.7yrs
    • Compensation: US$8.20k
  • Douglas Wilson (65yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$24.00k
  • Michael Nobile (69yo)

    Director

    • Tenure: 5.0yrs
    • Compensation: US$22.81k
  • David Klunk (54yo)

    Director

    • Tenure: 3.7yrs
    • Compensation: US$22.01k

Company Information

MB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: MB Bancorp, Inc.
  • Ticker: MBCQ
  • Exchange: OTCPK
  • Founded: 1899
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$31.236m
  • Shares outstanding: 1.84m
  • Website: https://www.mbofmd.com

Number of Employees


Location

  • MB Bancorp, Inc.
  • 1920 Rock Spring Road
  • Forest Hill
  • Maryland
  • 21050
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MBCQOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 2014

Biography

MB Bancorp, Inc. operates as the holding company for Madison Bank of Maryland that provides various financial products and services in the United States. The company offers deposits, including checking, NO ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:32
End of Day Share Price2019/08/22 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.