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Merchants & Marine BancorpMNMB +1.83%64 Equity-to-Asset is 0.12 as of Jun. 2026, which is 8% below its 10-year median of 0.13. GuruFocus rates MNMB with a GF Score™ of 64/100 and a GF Value™ of $72.46 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,521 Banks companies, Merchants & Marine Bancorp ranks better than 71.86% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Merchants & Marine Bancorp Equity-to-Asset Related Terms
Merchants & Marine Bancorp Equity-to-Asset Historical Data
* 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.
MNMB vs DWNX, CBWA, CBAF: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Merchants & Marine Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Merchants & Marine Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Merchants & Marine Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Merchants & Marine Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Merchants & Marine Bancorp (MNMB) has a Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Merchants & Marine Bancorp and its competitors. This is near median its historical median of 0.13. Over the past decade, Merchants & Marine Bancorp's Equity-to-Asset has ranged from 0.10 to 0.18. According to the industry distribution chart, Merchants & Marine Bancorp ranks #428 out of 1521 companies in the Banks industry, placing it in the top 28.1%.
Is Merchants & Marine Bancorp's Equity-to-Asset too high?
Merchants & Marine Bancorp's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.18. The Banks industry median Equity-to-Asset is 0.10. Merchants & Marine Bancorp's value of 0.12 is 20% above this industry median. Based on the distribution chart, Merchants & Marine Bancorp ranks #428 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Merchants & Marine Bancorp has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Merchants & Marine Bancorp's Equity-to-Asset compare to DWNX and CBWA?
According to the Banks industry distribution chart, Merchants & Marine Bancorp ranks #428 out of 1521 companies for Equity-to-Asset. This puts Merchants & Marine Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Merchants & Marine Bancorp's value of 0.12 is 20% above this benchmark. Historically, Merchants & Marine Bancorp's own Equity-to-Asset has ranged from 0.10 to 0.18 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Merchants & Marine Bancorp has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Merchants & Marine Bancorp's current Equity-to-Asset of 0.12 is 20% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Merchants & Marine Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants & Marine Bancorp's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.13. 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 Equity-to-Asset is 0.12, which is near median its 10-year median of 0.13 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current Equity-to-Asset is 0.12 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:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.13)
GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
Industry Position: 20% above the Banks median (#428 of 1521)
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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