Merchants & Marine Bancorp (MNMB) Stock Overview

Operates as the holding company for Merchants & Marine Bank that provides personal and business banking products and services. More details

MNMB fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Risk Analysis

Profit margins (6.1%) are lower than last year (11.4%)

Unstable dividend track record

Does not have a meaningful market cap ($69M)

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Merchants & Marine Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Merchants & Marine Bancorp
Historical stock prices
Current Share Price	US$50.60
52 Week High	US$55.00
52 Week Low	US$37.25
Beta	0.19
1 Month Change	-2.69%
3 Month Change	5.86%
1 Year Change	31.43%
3 Year Change	34.93%
5 Year Change	22.42%
Change since IPO	32.29%

Recent updates

Shareholder Returns

	MNMB	US Banks	US Market
7D	1.2%	-0.7%	-0.9%
1Y	31.4%	20.7%	19.4%

Return vs Industry: MNMB exceeded the US Banks industry which returned 21% over the past year.

Return vs Market: MNMB exceeded the US Market which returned 20.3% over the past year.

Price Volatility

Is MNMB's price volatile compared to industry and market?
MNMB volatility
MNMB Average Weekly Movement	10.6%
Banks Industry Average Movement	3.4%
Market Average Movement	7.2%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: MNMB has not had significant price volatility in the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1899	n/a	Clayton Legear	www.mandmbank.com

Merchants & Marine Bancorp, Inc. operates as the holding company for Merchants & Marine Bank that provides personal and business banking products and services. The company offers checking and savings accounts, and individual retirement accounts, as well as certificates of deposit. It also provides personal, auto, boat, recreation vehicle, mortgage, adjustable-rate mortgage, construction, home equity, equipment and machinery, inventory, commercial real-estate, acquisition, and small business administration loans, as well as lines of credit.

Merchants & Marine Bancorp, Inc. Fundamentals Summary

How do Merchants & Marine Bancorp's earnings and revenue compare to its market cap?
MNMB fundamental statistics
Market cap	US$68.72m
Earnings (TTM)	US$2.80m
Revenue (TTM)	US$45.62m

24.5x

P/E Ratio

0.9x

P/B Ratio

Is MNMB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MNMB income statement (TTM)
Revenue	US$45.62m
Cost of Revenue	US$0
Gross Profit	US$45.62m
Other Expenses	US$42.81m
Earnings	US$2.80m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	2.06
Gross Margin	100.00%
Net Profit Margin	6.15%
Debt/Equity Ratio	149.5%

How did MNMB perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

19%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/13 06:39
End of Day Share Price	2026/07/10 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

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.

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 Github.

Analyst Sources

Merchants & Marine Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Merchants & Marine Bancorp, Inc.OTCPK:MNMB Stock Report