OTCPK:MBKL

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • MBT Bancshares is not covered by any analysts.

Share Price & News

How has MBT Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:MBKL

0.3%

US Banks

0.9%

US Market


1 Year Return

7.1%

OTCPK:MBKL

-13.6%

US Banks

0.3%

US Market

MBKL outperformed the Banks industry which returned -14.2% over the past year.

MBKL outperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

MBKLIndustryMarket
7 Day0%0.3%0.9%
30 Day-0.5%-5.1%-1.9%
90 Day3.2%-3.5%1.6%
1 Year12.2%7.1%-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

13.35x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

MBT Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

MBT Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

MBT Bancshares is overvalued based on earnings compared to the US Banks industry average.

MBT Bancshares 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 MBT Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

MBT Bancshares is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

3.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if MBT Bancshares is high growth as no revenue estimate data is available.

MBT Bancshares's earnings are expected to grow by 3.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare MBT Bancshares's revenue growth to the United States of America market average as no estimate data is available.

MBT Bancshares's earnings growth is positive but not above the United States of America market average.

MBT Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if MBT Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has MBT Bancshares performed over the past 5 years?

12.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

MBT Bancshares's year on year earnings growth rate has been positive over the past 5 years.

MBT Bancshares's 1-year earnings growth exceeds its 5-year average (40.8% vs 12.1%)

MBT Bancshares's earnings growth has exceeded the US Banks industry average in the past year (40.8% vs 33.2%).


Return on Equity

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


Return on Assets

MBT Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if MBT Bancshares 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 MBT Bancshares'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

MBT Bancshares has an acceptable proportion of non-loan assets held.

MBT Bancshares has a sufficient allowance for bad loans.

MBT Bancshares's liabilities are made up of primarily low risk sources of funding.

MBT Bancshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at MBT Bancshares are broadly funded by customer deposits.

MBT Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

4.44%

Current Dividend Yield


Dividend Yield and Payments Analysis

MBT Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

MBT Bancshares's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

It is too early to tell whether MBT Bancshares has stable dividend payments.

MBT Bancshares only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.7x coverage).


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 MBT Bancshares's salary, the management and board of directors tenure and is there insider trading?

1.6yrs

Average board tenure


CEO

Ron Samford (66yo)

1.6yrs

Tenure

0

Mr. Ronald E. Samford, Jr., also known as Ron, serves as a Chief Executive Officer, President and Director at MBT Bancshares, Inc. Mr. Samford joined MBT Bancshares, Inc. with 22 years of banking experienc ...


Board Age and Tenure

1.6yrs

Average Tenure

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


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Ron Samford (66yo)

    CEO, President & Director

    • Tenure: 1.6yrs
  • John LeBlanc (53yo)

    Senior VP & CFO

    • Tenure: 1.6yrs

Board Members

  • Ron Samford (66yo)

    CEO, President & Director

    • Tenure: 1.6yrs
  • Ric Smith (73yo)

    Director

    • Tenure: 1.6yrs
  • Manny Blanco

    Director

    • Tenure: 1.6yrs
  • Chris Sarpy

    Director

    • Tenure: 1.6yrs
  • Richard Stanley

    Chairman

    • Tenure: 1.6yrs
  • Robert Caplan

    Director

    • Tenure: 1.6yrs
  • Sharon Perlis

    Director

    • Tenure: 1.6yrs
  • Maynard Dodge

    Director

    • Tenure: 1.6yrs
  • Chris Dodge

    Director

    • Tenure: 1.6yrs
  • Cynthia Teague

    Director

    • Tenure: 1.6yrs

Company Information

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


Key Information

  • Name: MBT Bancshares, Inc.
  • Ticker: MBKL
  • Exchange: OTCPK
  • Founded: 1947
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$45.990m
  • Shares outstanding: 2.04m
  • Website: https://www.metairiebank.com

Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MBKLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2018

Biography

MBT Bancshares, Inc. operates as a holding company for Metairie Bank and Trust Company that provides various banking services. It offers checking, savings, individual retirement, and money market accounts; ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 00:57
End of Day Share Price2019/08/02 00:00
Earnings2018/12/31
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.