Is MNMB Stock Undervalued?

A comprehensive valuation analysis of Merchants & Marine Bancorp Inc (MNMB) examining current multiples, intrinsic value, and comparing to analyst expectations.

Updated January 21, 2026•8 min read•View Full Analysis

Valuation Verdict

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Potentially Undervalued

188335882.6% upside potential

Based on our analysis, Merchants & Marine Bancorp Inc appears to be potentially undervalued at the current price of $38.75. Our fair value estimate of $72980193.24 suggests upside potential of approximately 188335882.6%.

Current Valuation Metrics

Valuation ratios help us understand how the market is pricing MNMB relative to its fundamentals. Let's examine the key multiples investors are paying today.

P/E Ratio

12.17

Low

P/B Ratio

0.67

Low

P/S Ratio

1.13

Low

EV/EBITDA

N/A

Understanding the Metrics

P/E Ratio: At 12.17x earnings, MNMB is trading below the typical market average of 15-20x.
P/B Ratio: A P/B of 0.67 means investors pay $0.67 for every $1 of book value.
P/S Ratio: The price-to-sales ratio of 1.13 indicates how much investors value each dollar of revenue.
EV/EBITDA: EBITDA data not available.

Fair Value Estimate

Using a discounted cash flow (DCF) model, we estimate the intrinsic value of Merchants & Marine Bancorp Inc stock. This fundamental analysis looks at the company's ability to generate future cash flows and discounts them back to today's value.

Current Price

$38.75

Fair Value Estimate

$72980193.24

Implied Return+188335882.6%

Our DCF model suggests MNMB may be undervalued by approximately 188335882.6%. This implies the market may be pricing in more pessimistic growth expectations than our base case scenario.

Investment Conclusion

Bottom Line

Based on our comprehensive valuation analysis, Merchants & Marine Bancorp Inc (MNMB) appears to be undervalued at $38.75. With a fair value estimate of $72980193.24, the stock offers potential upside for long-term investors willing to wait for the market to recognize its intrinsic value.

Disclaimer: This analysis is for informational purposes only and should not be considered investment advice. Always conduct your own research and consult with a financial advisor before making investment decisions. Past performance does not guarantee future results.