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MBKL

MBT Bancshares OTCPK:MBKL Stock Report

Last Price

US$25.25

Market Cap

US$52.1m

7D

-1.0%

1Y

4.1%

Updated

24 Jun, 2022

Data

Company Financials
MBKL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends2/6

MBKL Stock Overview

MBT Bancshares, Inc. operates as a bank holding company for the Metairie Bank and Trust Company that provides various banking products and services.

MBT Bancshares Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for MBT Bancshares
Historical stock prices
Current Share PriceUS$25.25
52 Week HighUS$26.50
52 Week LowUS$24.25
Beta0.064
1 Month Change-1.94%
3 Month Change-4.72%
1 Year Change4.12%
3 Year Change14.77%
5 Year Change17.44%
Change since IPO1.00%

Recent News & Updates

Shareholder Returns

MBKLUS BanksUS Market
7D-1.0%1.2%4.0%
1Y4.1%-19.3%-20.5%

Return vs Industry: MBKL exceeded the US Banks industry which returned -19.3% over the past year.

Return vs Market: MBKL exceeded the US Market which returned -20.5% over the past year.

Price Volatility

Is MBKL's price volatile compared to industry and market?
MBKL volatility
MBKL Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement7.9%
10% most volatile stocks in US Market16.5%
10% least volatile stocks in US Market3.1%

Stable Share Price: Insufficient data to determine MBKL's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine MBKL's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1947n/aJohn LeBlanchttps://www.metairiebank.com

MBT Bancshares, Inc. operates as a bank holding company for the Metairie Bank and Trust Company that provides various banking products and services. It offers checking, savings, individual retirement, and money market accounts; certificates of deposit; and card and online banking services. The company also provides home and mortgage, personal, auto, recreational, business term, commercial real estate, and commercial construction loans; and business and personal lines of credit, and letters of credit.

MBT Bancshares Fundamentals Summary

How do MBT Bancshares's earnings and revenue compare to its market cap?
MBKL fundamental statistics
Market CapUS$52.11m
Earnings (TTM)US$4.67m
Revenue (TTM)US$21.18m

11.0x

P/E Ratio

1.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
MBKL income statement (TTM)
RevenueUS$21.18m
Cost of RevenueUS$0
Gross ProfitUS$21.18m
Other ExpensesUS$16.51m
EarningsUS$4.67m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.29
Gross Margin100.00%
Net Profit Margin22.07%
Debt/Equity Ratio40.5%

How did MBKL perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

44%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is MBKL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MBKL?

Other financial metrics that can be useful for relative valuation.

MBKL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does MBKL's PE Ratio compare to its peers?

MBKL PE Ratio vs Peers
The above table shows the PE ratio for MBKL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.9x

Price-To-Earnings vs Peers: MBKL is expensive based on its Price-To-Earnings Ratio (11x) compared to the peer average (8.9x).


Price to Earnings Ratio vs Industry

How does MBKL's PE Ratio compare vs other companies in the U.S. Banks Industry?

Price-To-Earnings vs Industry: MBKL is expensive based on its Price-To-Earnings Ratio (11x) compared to the US Banks industry average (9.5x)


Price to Earnings Ratio vs Fair Ratio

What is MBKL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MBKL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate MBKL's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of MBKL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MBKL ($25.25) is trading below our estimate of fair value ($40.36)

Significantly Below Fair Value: MBKL is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MBKL's PEG Ratio to determine if it is good value.


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Future Growth

How is MBT Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.1%

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 MBT Bancshares 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.


Discover growth companies

  • Check out MBT Bancshares's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  • 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 MBT Bancshares's filings and announcements here.

Past Performance

How has MBT Bancshares performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


12.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: MBKL has high quality earnings.

Growing Profit Margin: MBKL's current net profit margins (22.1%) are higher than last year (18.8%).


Past Earnings Growth Analysis

Earnings Trend: MBKL's earnings have grown by 12.7% per year over the past 5 years.

Accelerating Growth: MBKL's earnings growth over the past year (31.2%) exceeds its 5-year average (12.7% per year).

Earnings vs Industry: MBKL earnings growth over the past year (31.2%) exceeded the Banks industry 20.7%.


Return on Equity

High ROE: MBKL's Return on Equity (10.5%) is considered low.


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Financial Health

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

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: MBKL's Assets to Equity ratio (13.8x) is moderate.

Allowance for Bad Loans: MBKL has a sufficient allowance for bad loans (502%).

Low Risk Liabilities: 96% of MBKL's liabilities are made up of primarily low risk sources of funding.

Loan Level: MBKL has an appropriate level of Loans to Assets ratio (47%).

Low Risk Deposits: MBKL's Loans to Deposits ratio (53%) is appropriate.

Level of Bad Loans: MBKL has an appropriate level of bad loans (0.3%).


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Dividend

What is MBT Bancshares's current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


3.96%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: MBKL's dividend (3.96%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: MBKL's dividend (3.96%) is low compared to the top 25% of dividend payers in the US market (4.34%).


Stability and Growth of Payments

Stable Dividend: MBKL's dividend payments have been volatile in the past 10 years.

Growing Dividend: MBKL's dividend payments have not increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (43.7%), MBKL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

4.4yrs

Average board tenure


CEO

John LeBlanc (55 yo)

no data

Tenure

Mr. John P. LeBlanc is the Chief Executive Officer of MBT Bancshares, Inc. He served as Chief Financial Officer and Senior Vice President at Metairie Bank & Trust Company (formerly known as MBT Bancshares,...


Board Members

Experienced Board: MBKL's board of directors are considered experienced (4.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

MBT Bancshares, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: MBT Bancshares, Inc.
  • Ticker: MBKL
  • Exchange: OTCPK
  • Founded: 1947
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$52.110m
  • Shares outstanding: 2.04m
  • Website: https://www.metairiebank.com

Location

  • MBT Bancshares, Inc.
  • 3344 Metairie Road
  • Metairie
  • Louisiana
  • 70001
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/24 00:00
End of Day Share Price2022/06/24 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.