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.
Mercer BancorpMSBB 35 EV-to-FCF is 27.27 as of Jul. 30, 2026. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $17.11 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Mercer Bancorp ranks worse than 87.07% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Mercer Bancorp's Enterprise Value is $16.39 Mil.
Mercer Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.60 Mil. Therefore, Mercer Bancorp's EV-to-FCF for today is 27.27.
The historical rank and industry rank for Mercer Bancorp's EV-to-FCF or its related term are showing as below:
MSBB'
s EV-to-FCF Range Over the Past 10 Years
Min: -23.56 Med: -4.83 Max: 27.48
Current: 27.27
During the past 4 years, the highest EV-to-FCF of Mercer Bancorp was 27.48. The lowest was -23.56. And the median was -4.83.
MSBB's EV-to-FCF is ranked worse than 87.07% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs MSBB: 27.27
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Mercer Bancorp's PE Ratio (TTM) for today is calculated as:
Mercer Bancorp's share price for today is $20.05.
Mercer Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.160.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Mercer Bancorp EV-to-FCF Related Terms
Mercer Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Mercer Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Mercer Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Mercer Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Mercer Bancorp's EV-to-FCF falls into.
Mercer Bancorp's current Enterprise Value is $16.39 Mil.
Mercer Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.60 Mil.
* 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.
Mercer Bancorp (MSBB) has a EV-to-FCF of 27.27 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mercer Bancorp and its competitors. According to the industry distribution chart, Mercer Bancorp ranks #1037 out of 1191 companies in the Banks industry, placing it in the top 87.1%.
Is Mercer Bancorp's EV-to-FCF too high?
Mercer Bancorp's current EV-to-FCF is 27.27. The Banks industry median EV-to-FCF is 7.24. Mercer Bancorp's value of 27.27 is 276.7% above this industry median. Based on the distribution chart, Mercer Bancorp ranks #1037 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's EV-to-FCF compare to LOGN and FIDS?
According to the Banks industry distribution chart, Mercer Bancorp ranks #1037 out of 1191 companies for EV-to-FCF. This places Mercer Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.24. Mercer Bancorp's value of 27.27 is 276.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercer Bancorp's current EV-to-FCF of 27.27 is 276.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mercer Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercer Bancorp's current EV-to-FCF is 27.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.11, compared to a current price of $20.05 — trading 17.2% above its estimated fair value. The current EV-to-FCF is 27.27 and 276.7% above the Banks industry median of 7.24. Mercer Bancorp's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Mercer Bancorp (MSBB), the current EV-to-FCF is 27.27 as of Jul. 30, 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 Mercer Bancorp (MSBB) Overvalued in 2026?
Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued.
The current stock price of $20.05 is trading 17.2% above its estimated GF Value™ of $17.11.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
EV-to-FCF: 27.27
GF Value™: $17.11 vs. price of $20.05 (17.2% above fair value)
Industry Position: 276.7% above the Banks median (#1037 of 1191)
No single metric tells the full story. See the MSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score
Get the complete analysis for MSBB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MSBB has been successfully added to your 
