OTCPK:MNBO

Stock Analysis Report

Executive Summary

MNB Holdings Corporation operates as the holding company for Mission National Bank that provides general commercial banking business for minority small business and niche retail segments in California.


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has MNB Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: MNBO has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

MNBO

2.9%

US Banks

5.3%

US Market


1 Year Return

-8.8%

MNBO

-27.8%

US Banks

-10.7%

US Market

Return vs Industry: MNBO exceeded the US Banks industry which returned -27.8% over the past year.

Return vs Market: MNBO exceeded the US Market which returned -10.7% over the past year.


Shareholder returns

MNBOIndustryMarket
7 Day0%2.9%5.3%
30 Day-10.3%-26.3%-13.6%
90 Dayn/a-39.3%-19.8%
1 Year-8.8%-8.8%-25.6%-27.8%-8.9%-10.7%
3 Year30.0%30.0%-17.1%-23.1%15.5%8.0%
5 Year51.9%51.9%10.9%-1.7%35.2%20.4%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is MNB Holdings undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether MNB Holdings is trading at an attractive price based on the cash flow it is expected to produce in the future. But as MNB Holdings 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 MNBO’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 MNB Holdings regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

-1.2%

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 MNB Holdings 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 MNBO’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 MNB Holdings's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has MNB Holdings performed over the past 5 years?

16.3%

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, MNB Holdings 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

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at MNB Holdings's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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 MNB Holdings's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

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


In this section we usually analyse MNB Holdings'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. MNB Holdings 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 MNBO’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 MNB Holdings's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is MNB Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate MNBO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate MNBO's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if MNBO's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if MNBO's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of MNBO's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

3.7yrs

Average board tenure


CEO

Ming Chow (44yo)

no data

Tenure

Ming S. Chow is Executive Vice President and Chief Financial Officer of Mission National Bank (“Bank”). Mr. Chow has over 20 years of experience in the financial services industry. Prior to joining the ban ...


Board Members

NamePositionTenureCompensationOwnership
Alma Vivar
Director10.17yrsno datano data
Willian Chan
Director3.17yrsno datano data
Ruell Medina
Director4.17yrsno datano data
Cesar Alegria
Chairman of the Board3.17yrsno datano data
Ronald Stoffers
Directorno datano datano data

3.7yrs

Average Tenure

Experienced Board: MNBO's board of directors are considered experienced (3.7 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: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

MNB Holdings Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: MNB Holdings Corporation
  • Ticker: MNBO
  • Exchange: OTCPK
  • Founded: 2002
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$23.806m
  • Shares outstanding: 457.81k
  • Website: https://www.mnbsf.com

Location

  • MNB Holdings Corporation
  • 3060 16th Street
  • San Francisco
  • California
  • 94103
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MNBOOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 2005

Biography

MNB Holdings Corporation operates as the holding company for Mission National Bank that provides general commercial banking business for minority small business and niche retail segments in California. The company offers deposit products, including checking, money market, NOW, savings, attorney trust, and individual retirement accounts; demand and time deposits; and certificates of deposits. It also provides commercial, consumer, and real estate loans, as well as revolving lines of consumer credit, and other installment and term loans. In addition, the company offers other services, such as ATM access, debit cards, cashier’s checks, foreign drafts and transfers, rolled coins, online banking, direct deposits, safe deposit boxes, and wire and telephone transfers. It operates in the City and County of San Francisco and in the City of Berkeley in the East Bay Area of the San Francisco Bay Area. The company was founded in 2002 and is based in San Francisco, California. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/01 00:41
End of Day Share Price2020/03/18 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.