OTCPK:MNBP

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Mars Bancorp is not covered by any analysts.

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


Market Performance


7 Day Return

1.3%

OTCPK:MNBP

-2.5%

US Banks

-0.7%

US Market


1 Year Return

3.2%

OTCPK:MNBP

-14.2%

US Banks

-0.5%

US Market

MNBP outperformed the Banks industry which returned -14.2% over the past year.

MNBP outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

MNBPIndustryMarket
7 Day1.3%-2.5%-0.7%
30 Day1.3%-6.1%-3.0%
90 Day-2.5%-3.8%0.9%
1 Year6.3%3.2%-11.8%-14.2%1.7%-0.5%
3 Year13.6%3.4%42.1%32.4%39.5%30.4%
5 Year9.5%-6.0%53.3%36.7%54.1%37.0%

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 based on future cash flows and its price relative to the stock market?

17.15x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Mars Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Mars Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Mars Bancorp is overvalued based on earnings compared to the US Banks industry average.

Mars Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Mars Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Mars Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

15.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Mars Bancorp is high growth as no revenue estimate data is available.

Mars Bancorp's earnings are expected to grow by 15.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Mars Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Mars Bancorp's earnings growth is expected to exceed the United States of America market average.

Mars Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Mars Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Mars Bancorp performed over the past 5 years?

11.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Mars Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Mars Bancorp's 1-year earnings growth exceeds its 5-year average (44% vs 11%)

Mars Bancorp's earnings growth has exceeded the US Banks industry average in the past year (44% vs 33.3%).


Return on Equity

Mars Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Mars Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Mars Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

Mars Bancorp has an acceptable proportion of non-loan assets held.

Mars Bancorp has a sufficient allowance for bad loans.

Mars Bancorp's liabilities are made up of primarily low risk sources of funding.

Mars Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Mars Bancorp are broadly funded by customer deposits.

Mars Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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

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

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

5.1yrs

Average board tenure


CEO

Jim Dionise (58yo)

5.1yrs

Tenure

0

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 Age and Tenure

5.1yrs

Average Tenure

61yo

Average Age

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


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mike Kirk (56yo)

    Executive VP

    • Tenure: 5.1yrs
  • Jim Dionise (58yo)

    President

    • Tenure: 5.1yrs

Board Members

  • Jim Dionise (58yo)

    President

    • Tenure: 5.1yrs
  • Jay Thier (65yo)

    Vice Chairman of the Board

    • Tenure: 2.3yrs
  • Dallas Hipple

    Director Emeritus

    • Tenure: 0.0yrs
  • Harry Austin (61yo)

    Director

    • Tenure: 5.1yrs
  • Jan Balentine (61yo)

    Chairman of the Board

    • Tenure: 2.3yrs
  • Ken Fleeson (62yo)

    Director

    • Tenure: 5.1yrs
  • Dianne Howard (66yo)

    Director

    • Tenure: 5.1yrs
  • Dan Cole (61yo)

    Director

    • Tenure: 5.1yrs
  • Gregory Mensch (50yo)

    Director

    • Tenure: 2.3yrs
  • Steven Thompson (50yo)

    Director

    • Tenure: 2.3yrs

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$31.200m
  • Shares outstanding: 80.00k
  • Website: https://www.marsbank.com

Location

  • Mars Bancorp, Inc.
  • 145 Grand Avenue
  • 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 Analysis2019/08/18 23:38
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.