MBOF Stock Overview

Operates as the holding company for Marine Bank & Trust Company that provides various community banking products and services. More details

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

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($73M)

My Notes

Capture your thoughts, links and company narrative

Marine Bancorp of Florida, Inc. Competitors

Bank of the James Financial Group

NasdaqCM:BOTJ

US$72.1m

Lake Shore Bancorp

NasdaqGM:LSBK

US$77.5m

Community Heritage Financial

OTCPK:CMHF

US$70.1m

First US Bancshares

NasdaqCM:FUSB

US$72.0m

Price History & Performance

Summary of share price highs, lows and changes for Marine Bancorp of Florida
Historical stock prices
Current Share Price	US$40.00
52 Week High	US$40.50
52 Week Low	US$24.00
Beta	0.16
1 Month Change	1.27%
3 Month Change	1.91%
1 Year Change	64.95%
3 Year Change	33.78%
5 Year Change	125.35%
Change since IPO	125.35%

Recent updates

Shareholder Returns

	MBOF	US Banks	US Market
7D	0%	-1.5%	-2.6%
1Y	64.9%	28.9%	24.5%

Return vs Industry: MBOF exceeded the US Banks industry which returned 27.6% over the past year.

Return vs Market: MBOF exceeded the US Market which returned 23.1% over the past year.

Price Volatility

Is MBOF's price volatile compared to industry and market?
MBOF volatility
MBOF Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.7%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1997	n/a	Bill Penney	www.marinebankandtrust.bank

Marine Bancorp of Florida, Inc. operates as the holding company for Marine Bank & Trust Company that provides various community banking products and services. It offers personal and business checking, savings, money market, and individual retirement accounts; certificates of deposit; and debit and credit cards. The company also provides residential mortgage and lot, FHA, personal and consumer, commercial real estate, construction, small business administration, USDA, and condominium and homeowner association loans; home equity loans and lines of credit; commercial lines of credit; and construction–permanent mortgage services.

Marine Bancorp of Florida, Inc. Fundamentals Summary

How do Marine Bancorp of Florida's earnings and revenue compare to its market cap?
MBOF fundamental statistics
Market cap	US$72.72m
Earnings (TTM)	US$3.49m
Revenue (TTM)	US$18.03m

20.8x

P/E Ratio

2.0x

P/B Ratio

Is MBOF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MBOF income statement (TTM)
Revenue	US$18.03m
Cost of Revenue	US$0
Gross Profit	US$18.03m
Other Expenses	US$14.54m
Earnings	US$3.49m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.92
Gross Margin	100.00%
Net Profit Margin	19.36%
Debt/Equity Ratio	94.7%

How did MBOF perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 14:15
End of Day Share Price	2024/12/31 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Marine Bancorp of Florida, 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.

Analyst	Institution

Marine Bancorp of Florida OTCPK:MBOF Stock Report