OTCPK:MIFF

Stock Analysis Report

Executive Summary

Mifflinburg Bancorp, Inc. operates as a bank holding company for Mifflinburg Bank and Trust Company that provides various commercial banking products and services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • No data on Mifflinburg Bancorp's last earnings update.
  • Mifflinburg Bancorp is not covered by any analysts.
  • No market cap data available for Mifflinburg Bancorp.

Similar Companies

Share Price & News

How has Mifflinburg 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:MIFF

-1.8%

US Banks

0.2%

US Market


1 Year Return

n/a

OTCPK:MIFF

-15.3%

US Banks

-0.7%

US Market

No trading data on MIFF.

No trading data on MIFF.


Share holder returns

MIFFIndustryMarket
7 Day0%-1.8%0.2%
30 Day3.6%-6.4%-2.7%
90 Dayn/a-4.0%1.6%
1 Yearn/a-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


In this section, we usually try to help investors determine whether Mifflinburg Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Mifflinburg Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of MIFF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Mifflinburg Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

1.8%

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 Mifflinburg 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

  • Take a look at our analysis of MIFF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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 Mifflinburg Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Mifflinburg Bancorp performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Mifflinburg Bancorp has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

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


In this section we usually analyse Mifflinburg Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Mifflinburg Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of MIFF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. 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.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Mifflinburg Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield and Payments Analysis

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

Unable to evaluate Mifflinburg 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 Mifflinburg Bancorp has not reported any payouts.

Unable to verify if Mifflinburg 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 Mifflinburg 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 Mifflinburg Bancorp's salary, the management and board of directors tenure and is there insider trading?

5.8yrs

Average board tenure


CEO

Jeff Kapsar (52yo)

13.6yrs

Tenure

0

Jeffrey J. Kapsar has a broad range of knowledge in bank operations, finance and compliance. He is a graduate of Slippery Rock University with a Bachelor's degree in finance and management. He holds a Cert ...


Board Age and Tenure

5.8yrs

Average Tenure

65.5yo

Average Age

The tenure for the Mifflinburg Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Jeff Kapsar (52yo)

    Vice Chairman

    • Tenure: 13.6yrs
  • Garry Benfer (60yo)

    Senior Vice President of Loan Administration - Mifflinburg Bank & Trust Company

    • Tenure: 0.0yrs
  • Patti Zimmerman

    Senior Trust Officer

    • Tenure: 0.0yrs
  • John Showers (66yo)

    Secretary & Director

    • Tenure: 5.8yrs

Board Members

  • Thomas Boop (69yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Jeff Kapsar (52yo)

    Vice Chairman

    • Tenure: 13.6yrs
  • W. Reish

    Director Emeritus

    • Tenure: 0.0yrs
  • John Griffith (74yo)

    Director Emeritus

    • Tenure: 0.0yrs
  • Robert Valentine

    Director Emeritus

    • Tenure: 0.0yrs
  • Robert Lynch

    Director Emeritus

    • Tenure: 0.0yrs
  • D. Shuck

    Director Emeritus

    • Tenure: 0.0yrs
  • John Showers (66yo)

    Secretary & Director

    • Tenure: 5.8yrs
  • Betsy Robertson (65yo)

    Director

    • Tenure: 5.6yrs
  • Richard Drzewiecki (59yo)

    Director

    • Tenure: 7.6yrs

Company Information

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


Key Information

  • Name: Mifflinburg Bancorp, Inc.
  • Ticker: MIFF
  • Exchange: OTCPK
  • Founded: 1872
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.mbtc.com

Location

  • Mifflinburg Bancorp, Inc.
  • 250 East Chestnut Street
  • Mifflinburg
  • Pennsylvania
  • 17844
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MIFFOTCPK (Pink Sheets LLC)YesCOM NEWUSUSDJul 2018

Biography

Mifflinburg Bancorp, Inc. operates as a bank holding company for Mifflinburg Bank and Trust Company that provides various commercial banking products and services. It offers personal and business checking, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:19
End of Day Share Price2019/08/09 00:00
EarningsN/A
Annual EarningsN/A


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.