MSVB (Mid-Southern Bancorp) E10: $0.71 (As of Jun. 2023)

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MSVB Mid-Southern Bancorp Inc MSVB
12 GF Score
Price $17.69
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What is Mid-Southern Bancorp E10?

Mid-Southern Bancorp MSVB +1.09% 12 E10 is $0.71 as of Jun. 2023. GuruFocus rates MSVB with a GF Score™ of 12/100.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Mid-Southern Bancorp's adjusted earnings per share data for the three months ended in Jun. 2023 was $0.140. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.71 for the trailing ten years ended in Jun. 2023.

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 E10 growth rate using E10 data.

As of today (2026-07-31), Mid-Southern Bancorp's current stock price is $17.69. Mid-Southern Bancorp's E10 for the quarter that ended in Jun. 2023 was $0.71. Mid-Southern Bancorp's Shiller PE Ratio of today is 24.92.


Mid-Southern Bancorp  (OTCPK:MSVB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Mid-Southern Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=17.69/0.71
=24.92

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Mid-Southern Bancorp E10 Related Terms


Mid-Southern Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Mid-Southern Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mid-Southern Bancorp E10 Chart

Mid-Southern Bancorp Annual Data
Trend Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.69 0.71

Mid-Southern Bancorp Quarterly Data
Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.73 0.72 0.71 0.72 0.71

MSVB vs SHFS, CFOK, OPHC: E10 Comparison

For the Banks - Regional subindustry, Mid-Southern Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


Mid-Southern Bancorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Mid-Southern Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Mid-Southern Bancorp's Shiller PE Ratio falls into.


MSVB
12GF Score
Mid-Southern Bancorp Inc MSVB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Mid-Southern Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Mid-Southern Bancorp's adjusted earnings per share data for the three months ended in Jun. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2023 (Change)*Current CPI (Jun. 2023)
=0.14/305.1090*305.1090
=0.140

Current CPI (Jun. 2023) = 305.1090.

Mid-Southern Bancorp Quarterly Data

per share eps CPI Adj_EPS
200406 0.030 189.700 0.048
200409 0.240 189.900 0.386
200412 0.170 190.300 0.273
200503 0.180 193.300 0.284
200506 0.260 194.500 0.408
200509 0.210 198.800 0.322
200512 0.190 196.800 0.295
200603 0.180 199.800 0.275
200606 0.120 202.900 0.180
200609 0.180 202.900 0.271
200612 0.160 201.800 0.242
200703 0.140 205.352 0.208
200706 0.130 208.352 0.190
200709 0.130 208.490 0.190
200803 0.200 213.528 0.286
201706 0.180 244.955 0.224
201709 0.070 246.819 0.087
201712 0.060 246.524 0.074
201803 0.090 249.554 0.110
201806 0.090 251.989 0.109
201809 0.080 252.439 0.097
201812 0.150 251.233 0.182
201903 0.110 254.202 0.132
201906 0.090 256.143 0.107
201909 0.030 256.759 0.036
201912 0.060 256.974 0.071
202003 0.120 258.115 0.142
202006 0.100 257.797 0.118
202009 0.090 260.280 0.106
202012 0.070 260.474 0.082
202103 0.130 264.877 0.150
202106 0.130 271.696 0.146
202109 0.160 274.310 0.178
202112 0.130 278.802 0.142
202203 0.170 287.504 0.180
202206 0.190 296.311 0.196
202209 0.190 296.808 0.195
202212 0.140 296.797 0.144
202303 0.130 301.836 0.131
202306 0.140 305.109 0.140

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.71 mean?
Mid-Southern Bancorp (MSVB) has a E10 of $0.71 as of Jun. 2023. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mid-Southern Bancorp and its competitors.
Is Mid-Southern Bancorp's E10 too high?
Mid-Southern Bancorp's current E10 is $0.71. Overall, Mid-Southern Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Mid-Southern Bancorp's E10 compare to SHFS and CFOK?
Mid-Southern Bancorp's E10 of $0.71 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mid-Southern Bancorp and its competitors. Mid-Southern Bancorp's current E10 is $0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mid-Southern Bancorp stock overvalued right now?
Mid-Southern Bancorp (MSVB) has a current E10 of $0.71. The current E10 is $0.71. Mid-Southern Bancorp's overall GF Score™ is 12/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Mid-Southern Bancorp (MSVB), the current E10 is $0.71 as of Jun. 2023. 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.

Mid-Southern Bancorp Business Description

Address 300 North Water Street, Salem, IN, USA, 47167
Mid-Southern Bancorp Inc is a United States-based savings and loan holding company of Mid-Southern Savings Bank. It is engaged in providing a variety of banking services to individuals and business customers. The bank offers personal banking and business banking services. Its services portfolio comprises checking, savings, card services, and loan products. The company also offers online and mobile banking facilities. It derives revenue from interest on loans and, to a lesser extent, interest on investment securities and mortgage-backed securities.
12GF Score

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E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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