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Merchants & Marine BancorpMNMB +1.83%64 3-Year Book Growth Rate is 4.60% as of Jun. 2026, which is 1% above its 10-year median of 4.55. GuruFocus rates MNMB with a GF Scoreâ„¢ of 64/100 and a GF Valueâ„¢ of $72.46 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,491 Banks companies, Merchants & Marine Bancorp ranks worse than 76.26% on this metric.
During the past 12 months, Merchants & Marine Bancorp's average Book Value per Share Growth Rate was 22.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 4.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -0.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Merchants & Marine Bancorp was 10.40% per year. The lowest was -3.70% per year. And the median was 4.55% per year.
Merchants & Marine Bancorp (OTCPK:MNMB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Merchants & Marine Bancorp 3-Year Book Growth Rate Related Terms
MNMB vs DWNX, CBWA, CBAF: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Merchants & Marine Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Merchants & Marine Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Merchants & Marine Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Merchants & Marine Bancorp's 3-Year Book Growth Rate falls into.
Merchants & Marine Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 4.60% mean?
Merchants & Marine Bancorp (MNMB) has a 3-Year Book Growth Rate of 4.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Merchants & Marine Bancorp and its competitors. This is near median its historical median of 4.55. According to the industry distribution chart, Merchants & Marine Bancorp ranks #1137 out of 1491 companies in the Banks industry, placing it in the top 76.3%.
Is Merchants & Marine Bancorp's 3-Year Book Growth Rate too high?
Merchants & Marine Bancorp's current 3-Year Book Growth Rate of 4.60% is near median its 10-year median of 4.55. The Banks industry median 3-Year Book Growth Rate is 8.80. Merchants & Marine Bancorp's value of 4.60% is 47.7% below this industry median. Based on the distribution chart, Merchants & Marine Bancorp ranks #1137 out of 1491 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Merchants & Marine Bancorp has a GF Scoreâ„¢ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Merchants & Marine Bancorp's 3-Year Book Growth Rate compare to DWNX and CBWA?
According to the Banks industry distribution chart, Merchants & Marine Bancorp ranks #1137 out of 1491 companies for 3-Year Book Growth Rate. This places Merchants & Marine Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Merchants & Marine Bancorp's value of 4.60% is 47.7% below this benchmark. While the company's 10-year median is 4.55 vs. the industry median of 8.80, Merchants & Marine Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Merchants & Marine Bancorp's current 3-Year Book Growth Rate of 4.60% is 47.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Merchants & Marine Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants & Marine Bancorp's current 3-Year Book Growth Rate is 4.60%, which is near median its own 10-year median of 4.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants & Marine Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants & Marine Bancorp (MNMB) is currently considered Modestly Undervalued. The stock's GF Value™ is $72.46, compared to a current price of $54.99 — trading 24.1% below its estimated fair value. The current 3-Year Book Growth Rate is 4.60%, which is near median its 10-year median of 4.55 and 47.7% below the Banks industry median of 8.80. Merchants & Marine Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current 3-Year Book Growth Rate is 4.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Merchants & Marine Bancorp (MNMB) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants & Marine Bancorp stock appears to be undervalued.
The current stock price of $54.99 is trading 24.1% below its estimated GF Value™ of $72.46.
GuruFocus considers Merchants & Marine Bancorp to be Modestly Undervalued.
Key valuation signals for MNMB:
3-Year Book Growth Rate: 4.60% (near median its 10-year median of 4.55)
GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
Industry Position: 47.7% below the Banks median (#1137 of 1491)
No single metric tells the full story. See the MNMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants & Marine Bancorp Inc provides full-service financial banking services to individuals, partnerships, corporations, and governmental agencies. Its deposit products include checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in Jackson and George Counties in Mississippi and Baldwin County in Alabama. The bank provides services such as Personal Banking, Mortgage Loans, Digital Banking, Credit Cards and Others.
64GF Score
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