MBLU Stock Overview

Operates as the bank holding company for Morris Bank that provides various financial services to individuals and small businesses in Georgia. More details

MBLU fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 53.1% below our estimate of its fair value

Earnings grew by 12.8% over the past year

Risk Analysis

Shares are highly illiquid

Morris State Bancshares, Inc. Competitors

LCNB

NasdaqCM:LCNB

US$200.6m

Malaga Financial

OTCPK:MLGF

US$191.8m

Bankwell Financial Group

NasdaqGM:BWFG

US$225.1m

Chemung Financial

NasdaqGS:CHMG

US$203.6m

Price History & Performance

Summary of share price highs, lows and changes for Morris State Bancshares
Historical stock prices
Current Share Price	US$20.75
52 Week High	US$25.00
52 Week Low	US$16.11
Beta	0.15
1 Month Change	-5.55%
3 Month Change	-11.70%
1 Year Change	26.52%
3 Year Change	23.51%
5 Year Change	115.92%
Change since IPO	38.33%

Recent updates

Shareholder Returns

	MBLU	US Banks	US Market
7D	3.7%	1.7%	-1.1%
1Y	26.5%	10.4%	5.9%

Return vs Industry: MBLU exceeded the US Banks industry which returned 13.1% over the past year.

Return vs Market: MBLU exceeded the US Market which returned 5.7% over the past year.

Price Volatility

Is MBLU's price volatile compared to industry and market?
MBLU volatility
MBLU Average Weekly Movement	n/a
Banks Industry Average Movement	4.6%
Market Average Movement	7.7%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	4.1%

Stable Share Price: MBLU's share price has been volatile over the past 3 months compared to the US market.

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

Community vs My Fair Value

Select a narrative for quick price alerts from the community, or create your own.

About the Company

Founded	Employees	CEO	Website
1954	n/a	Spence Mullis	www.morris.bank

Morris State Bancshares, Inc. operates as the bank holding company for Morris Bank that provides various financial services to individuals and small businesses in Georgia. The company provides checking, savings, negotiable order of withdrawal, and individual retirement accounts; demand, savings, and other time deposits; and CDARS and ICS. It also offers personal, home, home equity line of credit, auto, construction and development, recreation, commercial/business, real estate, agricultural, working capital, industrial, SBA program, and consumer installment loans; equipment and home mortgage financing; and letters of credit.

Morris State Bancshares, Inc. Fundamentals Summary

How do Morris State Bancshares's earnings and revenue compare to its market cap?
MBLU fundamental statistics
Market cap	US$219.81m
Earnings (TTM)	US$21.80m
Revenue (TTM)	US$59.37m

10.1x

P/E Ratio

1.1x

P/B Ratio

Is MBLU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MBLU income statement (TTM)
Revenue	US$59.37m
Cost of Revenue	US$0
Gross Profit	US$59.37m
Other Expenses	US$37.56m
Earnings	US$21.80m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.06
Gross Margin	100.00%
Net Profit Margin	36.73%
Debt/Equity Ratio	9.7%

How did MBLU perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/19 11:55
End of Day Share Price	2025/04/17 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Morris State Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.