MSBC Stock Overview

Operates as the bank holding company for Mission Bank that provides various banking products and services to individual and corporate clients in California. More details

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

Rewards

Trading at 66.1% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Mission Bancorp Competitors

Oak Valley Bancorp

NasdaqCM:OVLY

US$231.3m

BankFirst Capital

OTCPK:BFCC

US$222.8m

Plumas Bancorp

NasdaqCM:PLBC

US$286.9m

CoastalSouth Bancshares

OTCPK:COSO

US$216.3m

Price History & Performance

Summary of share price highs, lows and changes for Mission Bancorp
Historical stock prices
Current Share Price	US$95.00
52 Week High	US$98.01
52 Week Low	US$79.16
Beta	0.22
1 Month Change	1.59%
3 Month Change	10.07%
1 Year Change	18.75%
3 Year Change	39.21%
5 Year Change	40.97%
Change since IPO	2,848.08%

Recent updates

Shareholder Returns

	MSBC	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	18.8%	29.1%	23.4%

Return vs Industry: MSBC underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: MSBC underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is MSBC's price volatile compared to industry and market?
MSBC volatility
MSBC 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: MSBC's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1998	n/a	A.J. Antongiovanni	www.missionbank.bank

Mission Bancorp operates as the bank holding company for Mission Bank that provides various banking products and services to individual and corporate clients in California. It accepts various checking and savings, NOW, money market, fiduciary, and individual retirement accounts, as well as time deposits and certificates of deposit. The company also provides commercial loans, such as lines of credit, equipment and vehicle financing, permanent working capital or debt refinance, commercial real estate loans, construction financing, and letters of credit; and agricultural loans, including operating/crop lines of credit, cattle loans, equipment loans, real estate loans, and loans for farmer.

Mission Bancorp Fundamentals Summary

How do Mission Bancorp's earnings and revenue compare to its market cap?
MSBC fundamental statistics
Market cap	US$250.35m
Earnings (TTM)	US$30.26m
Revenue (TTM)	US$76.86m

8.3x

P/E Ratio

1.4x

P/B Ratio

Is MSBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MSBC income statement (TTM)
Revenue	US$76.86m
Cost of Revenue	US$0
Gross Profit	US$76.86m
Other Expenses	US$46.60m
Earnings	US$30.26m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	11.48
Gross Margin	100.00%
Net Profit Margin	39.37%
Debt/Equity Ratio	11.9%

How did MSBC perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 09:03
End of Day Share Price	2024/12/03 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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

Mission Bancorp 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.

Analyst	Institution

Mission Bancorp OTCPK:MSBC Stock Report