OTCPK:MNBP

Stock Analysis Report

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Executive Summary

Mars Bancorp, Inc., through its subsidiaries, provides banking products and services for individuals and businesses in Pennsylvania.


Snowflake Analysis

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Mars Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

-9.3%

MNBP

5.3%

US Banks

1.2%

US Market


1 Year Return

-14.0%

MNBP

-17.7%

US Banks

16.8%

US Market

Return vs Industry: MNBP exceeded the US Banks industry which returned -19% over the past year.

Return vs Market: MNBP underperformed the US Market which returned 16.4% over the past year.


Shareholder returns

MNBPIndustryMarket
7 Day-9.3%5.3%1.2%
30 Day0%6.6%4.9%
90 Day-4.6%18.7%20.0%
1 Year-11.2%-14.0%-14.9%-17.7%19.3%16.8%
3 Year-11.4%-19.3%-9.6%-16.9%43.7%34.4%
5 Year-6.3%-19.9%15.0%1.0%75.5%56.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Mars Bancorp undervalued compared to its fair value and its price relative to the market?

13.59x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: MNBP ($331) is trading above our estimate of fair value ($249.33)

Significantly Below Fair Value: MNBP is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: MNBP is poor value based on its PE Ratio (13.6x) compared to the US Banks industry average (9.9x).

PE vs Market: MNBP is good value based on its PE Ratio (13.6x) compared to the US market (18.9x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MNBP's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: MNBP is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

26.8%

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 Mars 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

Past Performance

How has Mars Bancorp performed over the past 5 years?

13.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: MNBP has high quality earnings.

Growing Profit Margin: MNBP's current net profit margins (14.2%) are higher than last year (13.9%).


Past Earnings Growth Analysis

Earnings Trend: MNBP's earnings have grown by 13.8% per year over the past 5 years.

Accelerating Growth: MNBP's earnings growth over the past year (7.1%) is below its 5-year average (13.8% per year).

Earnings vs Industry: MNBP earnings growth over the past year (7.1%) exceeded the Banks industry -3%.


Return on Equity

High ROE: MNBP's Return on Equity (5.2%) is considered low.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: MNBP's Assets to Equity ratio (10.9x) is moderate.

Allowance for Bad Loans: MNBP has a sufficient allowance for bad loans (4228%).

Low Risk Liabilities: 95% of MNBP's liabilities are made up of primarily low risk sources of funding.

Loan Level: MNBP has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: MNBP's Loans to Deposits ratio (76%) is appropriate.

Level of Bad Loans: MNBP has an appropriate level of bad loans (0%).


Next Steps

Dividend

What is Mars Bancorp current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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


Stability and Growth of Payments

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

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


Current Payout to Shareholders

Dividend Coverage: MNBP is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of MNBP'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?

6.1yrs

Average board tenure


CEO

Jim Dionise (59 yo)

6.08yrs

Tenure

Mr. James V. Dionise, CPA, also known as Jim, has been the President and Chief Executive Officer of Mars Bancorp Inc. since July 2014. Mr. Dionise has been a Director of Mars Bancorp Inc. since July 2014. ...


Board Members

NamePositionTenureCompensationOwnership
James Dionise
President6.08yrsno datano data
J. Thier
Vice Chairman of the Board3.25yrsno datano data
Dallas Hipple
Director Emeritusno datano datano data
Harry Austin
Director6.08yrsno datano data
Janet L. van Balentine
Chairman of the Board3.25yrsno datano data
R. Mensch
Director Emeritusno datano datano data
Kenneth Fleeson
Director6.08yrsno datano data
Dianne Howard
Director6.08yrsno datano data
Charles Norton
Director Emeritusno datano datano data
Daniel Cole
Director6.08yrsno datano data
Gregory Mensch
Director3.33yrsno datano data
Steven Thompson
Director3.33yrsno datano data

6.1yrs

Average Tenure

62yo

Average Age

Experienced Board: MNBP's board of directors are considered experienced (6.1 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: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

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


Key Information

  • Name: Mars Bancorp, Inc.
  • Ticker: MNBP
  • Exchange: OTCPK
  • Founded: 1900
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$26.480m
  • Shares outstanding: 80.00k
  • Website: https://www.marsbank.com

Location

  • Mars Bancorp, Inc.
  • 145 Grand Avenue
  • PO Box 927
  • Mars
  • Pennsylvania
  • 16046
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MNBPOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 1995

Biography

Mars Bancorp, Inc., through its subsidiaries, provides banking products and services for individuals and businesses in Pennsylvania. The company’s deposit products include non-interest and interest-bearing ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/11 00:26
End of Day Share Price2020/08/06 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.