Mission Bancorp Logo

Mission Bancorp

MSBC

(2.8)
Stock Price

93,51 USD

8.06% ROA

18.99% ROE

7.47x PER

Market Cap.

227.307.319,00 USD

12.61% DER

0% Yield

32.28% NPM

Mission Bancorp Stock Analysis

Mission Bancorp 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.

Mission Bancorp Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (29%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

4 ROE

The stock's ROE falls within an average range (9.93%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.89%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.39x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (583) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Mission Bancorp 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.

Mission Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Mission Bancorp 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.

Mission Bancorp Revenue
Year Revenue Growth
2002 2.819.055
2003 3.523.123 19.98%
2004 4.951.599 28.85%
2005 7.109.000 30.35%
2006 9.392.255 24.31%
2012 11.282.999 16.76%
2013 16.425.897 31.31%
2014 17.879.613 8.13%
2015 18.834.603 5.07%
2016 23.156.418 18.66%
2017 27.735.115 16.51%
2018 34.595.204 19.83%
2019 41.804.078 17.24%
2020 48.163.601 13.2%
2021 52.735.582 8.67%
2022 66.448.336 20.64%
2023 77.272.000 14.01%
2023 89.906.402 14.05%
2024 101.504.000 11.43%

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.

Mission Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2012 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%
2023 0 0%
2024 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.

Mission Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 888.348
2003 1.157.192 23.23%
2004 1.558.735 25.76%
2005 1.886.000 17.35%
2006 2.351.964 19.81%
2012 5.068.600 53.6%
2013 8.076.391 37.24%
2014 8.618.110 6.29%
2015 2.327.660 -270.25%
2016 2.341.380 0.59%
2017 2.901.166 19.3%
2018 2.951.309 1.7%
2019 2.502.334 -17.94%
2020 3.484.316 28.18%
2021 2.739.000 -27.21%
2022 3.518.000 22.14%
2023 18.432.000 80.91%
2023 4.887.000 -277.16%
2024 5.344.000 8.55%

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.

Mission Bancorp EBITDA
Year EBITDA Growth
2002 819.962
2003 1.098.576 25.36%
2004 2.060.302 46.68%
2005 3.651.000 43.57%
2006 5.420.069 32.64%
2012 -487.235 1212.41%
2013 -207.522 -134.79%
2014 -24.358 -751.97%
2015 -40.876 40.41%
2016 -47.676 14.26%
2017 -54.288 12.18%
2018 -909.059 94.03%
2019 0 0%
2020 0 0%
2021 769.000 100%
2022 0 0%
2023 45.028.000 100%
2023 751.504 -5891.72%
2024 0 0%

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.

Mission Bancorp Gross Profit
Year Gross Profit Growth
2002 2.819.055
2003 3.523.123 19.98%
2004 4.951.599 28.85%
2005 7.109.000 30.35%
2006 9.392.255 24.31%
2012 11.282.999 16.76%
2013 16.425.897 31.31%
2014 17.879.613 8.13%
2015 18.834.603 5.07%
2016 23.156.418 18.66%
2017 27.735.115 16.51%
2018 34.595.204 19.83%
2019 41.804.078 17.24%
2020 48.163.601 13.2%
2021 52.735.582 8.67%
2022 66.448.336 20.64%
2023 77.272.000 14.01%
2023 89.907.000 14.05%
2024 101.504.000 11.43%

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.

Mission Bancorp Net Profit
Year Net Profit Growth
2002 409.228
2003 544.053 24.78%
2004 1.118.225 51.35%
2005 2.217.000 49.56%
2006 3.159.653 29.83%
2012 1.684.386 -87.58%
2013 2.241.267 24.85%
2014 3.066.652 26.91%
2015 3.726.280 17.7%
2016 5.053.418 26.26%
2017 6.093.940 17.07%
2018 11.853.661 48.59%
2019 13.659.503 13.22%
2020 15.688.282 12.93%
2021 18.723.063 16.21%
2022 24.253.196 22.8%
2023 31.904.000 23.98%
2023 30.468.908 -4.71%
2024 29.140.000 -4.56%

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.

Mission Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 2 100%
2006 2 50%
2012 1 0%
2013 1 0%
2014 1 100%
2015 2 0%
2016 2 50%
2017 3 0%
2018 5 60%
2019 6 0%
2020 6 16.67%
2021 8 14.29%
2022 10 22.22%
2023 13 25%
2023 12 -9.09%
2024 11 0%

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.

Mission Bancorp Free Cashflow
Year Free Cashflow Growth
2002 153.115
2003 450.327 66%
2004 -635.827 170.83%
2005 0 0%
2006 1.857.129 100%
2007 0 0%
2012 2.424.380 100%
2013 3.886.202 37.62%
2014 4.164.742 6.69%
2015 4.053.408 -2.75%
2016 3.052.374 -32.8%
2017 7.975.804 61.73%
2018 14.160.031 43.67%
2019 12.632.872 -12.09%
2020 14.044.337 10.05%
2021 9.042.508 -55.31%
2022 26.811.195 66.27%
2023 31.504.509 14.9%
2024 0 0%

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.

Mission Bancorp Operating Cashflow
Year Operating Cashflow Growth
2002 321.857
2003 731.714 56.01%
2004 -367.023 299.36%
2005 0 0%
2006 2.325.871 100%
2007 0 0%
2012 2.622.370 100%
2013 4.106.976 36.15%
2014 4.667.591 12.01%
2015 4.138.436 -12.79%
2016 4.689.904 11.76%
2017 8.116.474 42.22%
2018 14.684.275 44.73%
2019 15.500.859 5.27%
2020 14.436.812 -7.37%
2021 17.279.741 16.45%
2022 27.532.986 37.24%
2023 32.656.160 15.69%
2024 0 0%

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.

Mission Bancorp Capital Expenditure
Year Capital Expenditure Growth
2002 168.742
2003 281.387 40.03%
2004 268.804 -4.68%
2005 0 0%
2006 468.742 100%
2007 0 0%
2012 197.990 100%
2013 220.774 10.32%
2014 502.849 56.1%
2015 85.028 -491.39%
2016 1.637.530 94.81%
2017 140.670 -1064.09%
2018 524.244 73.17%
2019 2.867.987 81.72%
2020 392.475 -630.74%
2021 8.237.233 95.24%
2022 721.791 -1041.22%
2023 1.151.651 37.33%
2024 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.

Mission Bancorp Equity
Year Equity Growth
2002 6.198.058
2003 6.702.577 7.53%
2004 7.816.732 14.25%
2005 11.053.000 29.28%
2006 14.565.886 24.12%
2012 29.237.244 50.18%
2013 35.071.250 16.63%
2014 38.337.083 8.52%
2015 42.127.543 9%
2016 47.065.126 10.49%
2017 53.457.694 11.96%
2018 67.049.208 20.27%
2019 82.718.576 18.94%
2020 102.130.266 19.01%
2021 120.279.578 15.09%
2022 123.784.555 2.83%
2023 144.666.000 14.43%
2023 156.714.107 7.69%
2024 173.632.000 9.74%

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.

Mission Bancorp Assets
Year Assets Growth
2002 73.800.647
2003 110.581.890 33.26%
2004 120.720.511 8.4%
2005 161.138.000 25.08%
2006 142.349.022 -13.2%
2012 301.926.101 52.85%
2013 416.713.904 27.55%
2014 426.492.669 2.29%
2015 495.237.314 13.88%
2016 558.801.910 11.38%
2017 636.333.737 12.18%
2018 689.612.846 7.73%
2019 851.831.425 19.04%
2020 1.282.597.479 33.59%
2021 1.521.879.056 15.72%
2022 1.498.357.229 -1.57%
2023 1.615.113.000 7.23%
2023 1.654.523.467 2.38%
2024 1.693.758.000 2.32%

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.

Mission Bancorp Liabilities
Year Liabilities Growth
2002 200.030
2003 251.107 20.34%
2004 470.661 46.65%
2005 48.000 -880.54%
2006 941.774 94.9%
2012 10.000 -9317.74%
2013 21.301 53.05%
2014 25.424 16.22%
2015 25.560 0.53%
2016 511.736.784 100%
2017 588.703.356 13.07%
2018 622.563.638 5.44%
2019 769.112.849 19.05%
2020 1.180.467.213 34.85%
2021 1.401.599.478 15.78%
2022 1.374.572.674 -1.97%
2023 1.470.447.000 6.52%
2023 1.497.809.360 1.83%
2024 1.520.126.000 1.47%

Mission Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
35.8
Net Income per Share
11.56
Price to Earning Ratio
7.47x
Price To Sales Ratio
2.41x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.31
EV to Sales
0.75
EV Over EBITDA
6.25
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,23 Bil.
Enterprise Value
0,07 Bil.
Graham Number
131.03
Graham NetNet
-596.18

Income Statement Metrics

Net Income per Share
11.56
Income Quality
0
ROE
0.19
Return On Assets
0.02
Return On Capital Employed
0.07
Net Income per EBT
0.72
EBT Per Ebit
0.55
Ebit per Revenue
0.82
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.82
Pretax Profit Margin
0.45
Net Profit Margin
0.32

Dividends

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

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.28
Return on Tangible Assets
0.08
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
-18,11
Book Value per Share
66,03
Tangible Book Value per Share
-434.68
Shareholders Equity per Share
66.03
Interest Debt per Share
16.6
Debt to Equity
0.13
Debt to Assets
0.01
Net Debt to EBITDA
-13.79
Current Ratio
0.29
Tangible Asset Value
-1,14 Bil.
Net Current Asset Value
-1,34 Bil.
Invested Capital
878700000
Working Capital
-0,44 Bil.
Intangibles to Total Assets
0.78
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.1

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.

Mission Bancorp Dividends
Year Dividends Growth

Mission Bancorp Profile

About Mission Bancorp

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. In addition, it offers SBA loans for owner-occupied commercial real estate purchase and construction, business expansion/acquisition, partner or management buy-out, equipment financing, debt refinance, inventory purchase, furniture, machinery, business startup cost, and working capital; and debit and credit cards. Further, the company provides safe deposit boxes, merchant card processing, online cash management, remote deposit capture, treasury management, and online and mobile banking services; cash vault services; and carries out property exchange transactions. It operates nine full-service facilities, including one located in Shafter, two located in Bakersfield, three located in the Mojave Desert area, one located in Ventura, one located in San Luis Obispo, and one located in Stockton. Mission Bancorp was founded in 1998 and is based in Bakersfield, California.

CEO
Mr. Andrew J. Antongiovanni
Employee
0
Address
1301 17th Street
Bakersfield, 93301

Mission Bancorp Executives & BODs

Mission Bancorp Executives & BODs
# Name Age
1 Ms. Esmeralda Rivas
Chief Compliance & Audit Officer
70
2 Mr. Sheldon David Clifford Ralph
Senior Vice President, Secretary & Chief Administrative Officer
70
3 Ms. Miranda Whitworth
Marketing Officer
70
4 Mr. Bryan Easterly
Chief Banking Officer
70
5 Mr. Andrew J. Antongiovanni
President, Chief Executive Officer & Director
70
6 Mr. Ryan Alvord
Treasurer
70
7 Rodney Maston
Controller & Financial Planning, and Analysis Manager
70
8 Mr. Michael Sean Congdon
Chief Credit Officer & Assistant Secretary
70
9 Elena Echeverria
Chief of Staff
70
10 Mr. Jason Clifford Castle
Chief Financial Officer & Chief Operating Officer
70

Mission Bancorp Competitors