Mercer Bancorp, Inc. (MSBB)
ValueMarkers Composite Index
99% below intrinsic value ($2,748)
Mercer Bancorp, Inc. (MSBB) — VMCI valuation read
Mercer Bancorp, Inc. sits at VMCI 59/100, with the Financial Services sector median at 50. That 9-point spread is the first thing to note on MSBB: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on MSBB are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on MSBB: MSBB trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -1.1x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
MSBB rose 0.8% over the trailing 7 days, with a +7.2% read on a 30-day basis.
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