Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Merchants Financial GroupMFGI +0.11%49 3-Year EPS without NRI Growth Rate is 1.90% as of Jun. 2026, which is 53% below its 10-year median of 4.05. GuruFocus rates MFGI with a GF Score™ of 49/100 and a GF Value™ of $29.33 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,402 Banks companies, Merchants Financial Group ranks worse than 67.4% on this metric.
During the past 12 months, Merchants Financial Group's average EPS without NRI Growth Rate was 17.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 1.90% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 1.50% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Merchants Financial Group was 15.60% per year. The lowest was -14.20% per year. And the median was 4.05% per year.
Merchants Financial Group (OTCPK:MFGI) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Merchants Financial Group 3-Year EPS without NRI Growth Rate Related Terms
MFGI vs BRBS, MSBC, AVBH: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Merchants Financial Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 Financial Group 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Financial Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Merchants Financial Group's 3-Year EPS without NRI Growth Rate falls into.
Merchants Financial Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 1.90% mean?
Merchants Financial Group (MFGI) has a 3-Year EPS without NRI Growth Rate of 1.90% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Merchants Financial Group and its competitors. This is 53% below median its historical median of 4.05. According to the industry distribution chart, Merchants Financial Group ranks #945 out of 1402 companies in the Banks industry, placing it in the top 67.4%.
Is Merchants Financial Group's 3-Year EPS without NRI Growth Rate too high?
Merchants Financial Group's current 3-Year EPS without NRI Growth Rate of 1.90% is 53% below median its 10-year median of 4.05. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Merchants Financial Group's value of 1.90% is 75% below this industry median. Based on the distribution chart, Merchants Financial Group ranks #945 out of 1402 companies in the Banks industry, which is below the industry midpoint. Overall, Merchants Financial Group has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Financial Group's 3-Year EPS without NRI Growth Rate compare to BRBS and MSBC?
According to the Banks industry distribution chart, Merchants Financial Group ranks #945 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Merchants Financial Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Merchants Financial Group's value of 1.90% is 75% below this benchmark. While the company's 10-year median is 4.05 vs. the industry median of 7.60, Merchants Financial Group 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Merchants Financial Group's current 3-Year EPS without NRI Growth Rate of 1.90% is 75% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Merchants Financial Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants Financial Group's current 3-Year EPS without NRI Growth Rate is 1.90%, which is 53% below median its own 10-year median of 4.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Merchants Financial Group (MFGI) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.33, compared to a current price of $43.65 — trading 48.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 1.90%, which is 53% below median its 10-year median of 4.05 and 75% below the Banks industry median of 7.60. Merchants Financial Group's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Merchants Financial Group (MFGI), the current 3-Year EPS without NRI Growth Rate is 1.90% 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 Financial Group (MFGI) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants Financial Group stock appears to be overvalued.
The current stock price of $43.65 is trading 48.8% above its estimated GF Value™ of $29.33.
GuruFocus considers Merchants Financial Group to be Significantly Overvalued.
Key valuation signals for MFGI:
3-Year EPS without NRI Growth Rate: 1.90% (53% below median its 10-year median of 4.05)
GF Value™: $29.33 vs. price of $43.65 (48.8% above fair value)
Industry Position: 75% below the Banks median (#945 of 1402)
No single metric tells the full story. See the MFGI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail, commercial loans, and deposit services to individual as well as business customers. The various products and services offered by the Group include business credit cards, treasury management services, online and mobile banking services, different types of loans, checking accounts, saving accounts, digital wallet, military banking services, mortgage loans, etc. These services are offered through a network of branch offices and a leasing division across Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, and other locations in the USA.
49GF Score
Get the complete analysis for MFGI
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MFGI has been successfully added to your 
