MNBP Stock Overview

Mars Bancorp, Inc., through its subsidiaries, provides customer and commercial banking products and services for individuals, families, and businesses in Pennsylvania. More details

MNBP fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	1/6
Financial Health	5/6
Dividends	4/6

Rewards

Pays a reliable dividend of 3.31%

Risk Analysis

Earnings have declined by 2.3% per year over past 5 years

Does not have a meaningful market cap ($32M)

Profit margins (5.5%) are lower than last year (10.6%)

My Notes

Capture your thoughts, links and company narrative

Mars Bancorp, Inc. Competitors

Equitable Financial

OTCPK:EQFN

US$31.6m

Neffs Bancorp

OTCPK:NEFB

US$29.3m

Peoples Trust Company of St. Albans

OTCPK:PPAL

US$33.8m

High Country Bancorp

OTCPK:HCBC

US$31.2m

Price History & Performance

Summary of share price highs, lows and changes for Mars Bancorp
Historical stock prices
Current Share Price	US$19.91
52 Week High	US$20.00
52 Week Low	US$12.80
Beta	0.090
1 Month Change	0.56%
3 Month Change	3.75%
1 Year Change	17.12%
3 Year Change	0.81%
5 Year Change	2.10%
Change since IPO	114.09%

Recent updates

Shareholder Returns

	MNBP	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	17.1%	29.1%	23.4%

Return vs Industry: MNBP exceeded the US Banks industry which returned 2.7% over the past year.

Return vs Market: MNBP underperformed the US Market which returned 20.9% over the past year.

Price Volatility

Is MNBP's price volatile compared to industry and market?
MNBP volatility
MNBP Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

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

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

About the Company

Founded	Employees	CEO	Website
1900	n/a	Jim Dionise	www.marsbank.com

Mars Bancorp, Inc., through its subsidiaries, provides customer and commercial banking products and services for individuals, families, and businesses in Pennsylvania. Its deposit products include non-interest and interest-bearing checking, statement and passbook savings, NOW, and money market accounts; and certificates of deposit. The company also offers residential mortgages; commercial mortgages comprising loans to commercial customers for self-use or income-producing commercial or residential real estate; commercial and industrial loans to finance the activities of commercial customers; auto, personal, and educational loans; home equity and small business loans; mortgage refinance; and letter of credit, as well as credit cards and investment securities.

Mars Bancorp, Inc. Fundamentals Summary

How do Mars Bancorp's earnings and revenue compare to its market cap?
MNBP fundamental statistics
Market cap	US$31.86m
Earnings (TTM)	US$813.34k
Revenue (TTM)	US$14.70m

39.2x

P/E Ratio

1.3x

P/B Ratio

Is MNBP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MNBP income statement (TTM)
Revenue	US$14.70m
Cost of Revenue	US$0
Gross Profit	US$14.70m
Other Expenses	US$13.88m
Earnings	US$813.34k

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.51
Gross Margin	100.00%
Net Profit Margin	5.53%
Debt/Equity Ratio	22.1%

How did MNBP perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

33%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/02/16 02:48
End of Day Share Price	2024/02/16 00:00
Earnings	2023/09/30
Annual Earnings	2022/12/31

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

Mars Bancorp, Inc. is covered by 0 analysts. 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

Mars Bancorp OTCPK:MNBP Stock Report