MNB Holdings Corporation Logo

MNB Holdings Corporation

MNBO

(0.8)
Stock Price

25,00 USD

0.33% ROA

2.37% ROE

16.21x PER

Market Cap.

10.758.488,00 USD

67.66% DER

0% Yield

7.17% NPM

MNB Holdings Corporation Stock Analysis

MNB Holdings Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

MNB Holdings Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a reasonable amount of debt compared to its ownership (87%), suggesting a balanced financial position and a moderate level of risk.

3 ROE

Negative ROE (-2.85%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (-0.43%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

5 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

6 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

7 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

9 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

MNB Holdings Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

MNB Holdings Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Hold

MNB Holdings Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

MNB Holdings Corporation Revenue
Year Revenue Growth
2004 4.405.208
2005 5.238.314 15.9%
2006 6.110.000 14.27%
2007 7.856.000 22.23%
2013 9.185.813 14.48%
2014 9.053.024 -1.47%
2015 9.954.516 9.06%
2016 11.449.367 13.06%
2017 13.546.196 15.48%
2018 13.572.926 0.2%
2019 10.510.916 -29.13%
2020 8.888.737 -18.25%
2021 9.400.819 5.45%
2022 7.135.864 -31.74%
2023 9.235.735 22.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

MNB Holdings Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

MNB Holdings Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 1.674.942
2005 1.789.764 6.42%
2006 1.976.000 9.42%
2007 2.096.000 5.73%
2013 4.556.108 54%
2014 4.582.145 0.57%
2015 4.728.558 3.1%
2016 4.780.863 1.09%
2017 4.796.749 0.33%
2018 5.173.021 7.27%
2019 5.437.892 4.87%
2020 6.498.352 16.32%
2021 5.899.224 -10.16%
2022 6.156.318 4.18%
2023 5.516.954 -11.59%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

MNB Holdings Corporation EBITDA
Year EBITDA Growth
2004 2.179.825
2005 4.051.528 46.2%
2006 5.025.000 19.37%
2007 2.940.000 -70.92%
2013 3.764.534 21.9%
2014 3.786.336 0.58%
2015 0 0%
2016 4.883.097 100%
2017 5.651.240 13.59%
2018 5.828.767 3.05%
2019 3.083.596 -89.02%
2020 -1.964.739 256.95%
2021 -50.513 -3789.57%
2022 -88.629 43.01%
2023 990.437 108.95%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

MNB Holdings Corporation Gross Profit
Year Gross Profit Growth
2004 4.405.208
2005 5.238.314 15.9%
2006 6.110.000 14.27%
2007 7.856.000 22.23%
2013 9.185.813 14.48%
2014 9.053.024 -1.47%
2015 9.036.482 -0.18%
2016 10.063.983 10.21%
2017 11.657.499 13.67%
2018 11.523.970 -1.16%
2019 10.510.916 -9.64%
2020 8.888.737 -18.25%
2021 9.400.819 5.45%
2022 7.135.864 -31.74%
2023 9.235.735 22.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

MNB Holdings Corporation Net Profit
Year Net Profit Growth
2004 494.444
2005 881.282 43.89%
2006 1.225.000 28.06%
2007 1.960.000 37.5%
2013 1.649.909 -18.79%
2014 1.708.355 3.42%
2015 1.557.303 -9.7%
2016 1.715.294 9.21%
2017 1.844.150 6.99%
2018 2.396.387 23.04%
2019 2.340.214 -2.4%
2020 -1.161.025 301.56%
2021 -206.655 -461.82%
2022 -796.996 74.07%
2023 662.131 220.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

MNB Holdings Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 2 0%
2006 3 50%
2007 4 50%
2013 4 -33.33%
2014 4 0%
2015 3 0%
2016 4 0%
2017 4 25%
2018 5 20%
2019 5 0%
2020 -3 350%
2021 0 0%
2022 -2 100%
2023 1 200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

MNB Holdings Corporation Free Cashflow
Year Free Cashflow Growth
2004 795.078
2005 1.183.913 32.84%
2006 0 0%
2007 0 0%
2013 2.780.587 100%
2014 344.517 -707.1%
2015 917.735 62.46%
2016 2.637.378 65.2%
2017 2.647.868 0.4%
2018 3.176.942 16.65%
2019 1.569.509 -102.42%
2020 -1.513.571 203.7%
2021 70.478 2247.58%
2022 -475.928 114.81%
2023 2.004.861 123.74%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

MNB Holdings Corporation Operating Cashflow
Year Operating Cashflow Growth
2004 935.592
2005 1.300.427 28.06%
2006 0 0%
2007 0 0%
2013 2.935.391 100%
2014 1.061.387 -176.56%
2015 1.043.239 -1.74%
2016 2.737.799 61.89%
2017 2.755.010 0.62%
2018 3.234.804 14.83%
2019 1.793.030 -80.41%
2020 -1.443.538 224.21%
2021 87.634 1747.24%
2022 -451.516 119.41%
2023 2.004.861 122.52%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

MNB Holdings Corporation Capital Expenditure
Year Capital Expenditure Growth
2004 140.514
2005 116.514 -20.6%
2006 0 0%
2007 0 0%
2013 154.804 100%
2014 716.870 78.41%
2015 125.504 -471.19%
2016 100.421 -24.98%
2017 107.142 6.27%
2018 57.862 -85.17%
2019 223.521 74.11%
2020 70.033 -219.17%
2021 17.156 -308.21%
2022 24.412 29.72%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

MNB Holdings Corporation Equity
Year Equity Growth
2004 5.752.103
2005 6.580.795 12.59%
2006 10.773.000 38.91%
2007 12.125.000 11.15%
2013 18.187.758 33.33%
2014 19.888.283 8.55%
2015 21.444.071 7.26%
2016 23.154.365 7.39%
2017 24.984.170 7.32%
2018 27.380.557 8.75%
2019 29.720.771 7.87%
2020 28.560.946 -4.06%
2021 28.354.291 -0.73%
2022 27.557.295 -2.89%
2023 28.219.426 2.35%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

MNB Holdings Corporation Assets
Year Assets Growth
2004 101.925.519
2005 116.143.404 12.24%
2006 118.278.000 1.8%
2007 137.919.000 14.24%
2013 175.080.686 21.23%
2014 177.603.136 1.42%
2015 209.035.997 15.04%
2016 274.634.116 23.89%
2017 285.684.576 3.87%
2018 248.184.596 -15.11%
2019 250.110.792 0.77%
2020 222.652.552 -12.33%
2021 221.179.493 -0.67%
2022 186.705.187 -18.46%
2023 201.907.131 7.53%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

MNB Holdings Corporation Liabilities
Year Liabilities Growth
2004 96.173.416
2005 109.562.609 12.22%
2006 107.505.000 -1.91%
2007 1.000.000 -10650.5%
2013 156.892.928 99.36%
2014 157.714.853 0.52%
2015 187.591.926 15.93%
2016 251.479.751 25.4%
2017 260.700.406 3.54%
2018 227.804.039 -14.44%
2019 220.390.021 -3.36%
2020 194.091.606 -13.55%
2021 192.825.202 -0.66%
2022 159.147.892 -21.16%
2023 19.093.000 -733.54%

MNB Holdings Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
20.22
Net Income per Share
1.45
Price to Earning Ratio
16.21x
Price To Sales Ratio
1.16x
POCF Ratio
5.35
PFCF Ratio
5.37
Price to Book Ratio
0.38
EV to Sales
-1.69
EV Over EBITDA
-15.74
EV to Operating CashFlow
-7.77
EV to FreeCashFlow
-7.77
Earnings Yield
0.06
FreeCashFlow Yield
0.19
Market Cap
0,01 Bil.
Enterprise Value
-0,02 Bil.
Graham Number
44.89
Graham NetNet
57.67

Income Statement Metrics

Net Income per Share
1.45
Income Quality
3.03
ROE
0.02
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.75
EBT Per Ebit
0
Ebit per Revenue
0
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.6
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.1
Net Profit Margin
0.07

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
4.39
Free CashFlow per Share
4.39
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
99,47
Book Value per Share
400,22
Tangible Book Value per Share
400.22
Shareholders Equity per Share
61.78
Interest Debt per Share
48.78
Debt to Equity
0.68
Debt to Assets
0.09
Net Debt to EBITDA
-26.6
Current Ratio
0
Tangible Asset Value
0,18 Bil.
Net Current Asset Value
0,03 Bil.
Invested Capital
47059728
Working Capital
0,05 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-22635769
Debt to Market Cap
1.77

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

MNB Holdings Corporation Dividends
Year Dividends Growth

MNB Holdings Corporation Profile

About MNB Holdings Corporation

MNB Holdings Corporation operates as the holding company for Mission National Bank that provides various banking products and services for minority small business and niche retail segments. The company accepts checking, money market, savings, certificates of deposit, and NOW accounts. Its loan products include business term loans, business lines of credit, commercial real-estate loans, and letters of credit. The company also offers credit and debit cards; and bill pay, remote deposit capture, and online and mobile banking services. It operates two branches, including one in San Francisco, California; and one in Berkeley, California The company was founded in 1982 and is based in San Francisco, California.

CEO
Mr. Ming S. Chow
Employee
0
Address
3060 16th Street
San Francisco, 94103

MNB Holdings Corporation Executives & BODs

MNB Holdings Corporation Executives & BODs
# Name Age
1 Mr. Ming S. Chow
Vice Chairman & President
70
2 Mr. Ray G. Skinner
Secretary & Director
70

MNB Holdings Corporation Competitors