MNMB (Merchants & Marine Bancorp) FCF Margin %: 0.00% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

MNMB Merchants & Marine Bancorp Inc MNMB
64 GF Score
Price $54.99
GF Value $72.46
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Merchants & Marine Bancorp FCF Margin %?

Merchants & Marine Bancorp MNMB +1.83% 64 FCF Margin % is 0.00% as of Jun. 2026. 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 1,493 Banks companies, Merchants & Marine Bancorp ranks worse than 76.42% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Merchants & Marine Bancorp's Free Cash Flow for the three months ended in Jun. 2026 was $0.00 Mil. Merchants & Marine Bancorp's Revenue for the three months ended in Jun. 2026 was $30.20 Mil. Therefore, Merchants & Marine Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was 0.00%.

As of today, Merchants & Marine Bancorp's current FCF Yield % is -4.61%.

The historical rank and industry rank for Merchants & Marine Bancorp's FCF Margin % or its related term are showing as below:

MNMB' s FCF Margin % Range Over the Past 10 Years
Min: -7.33   Med: 8.94   Max: 20.6
Current: -5.22


During the past 13 years, the highest FCF Margin % of Merchants & Marine Bancorp was 20.60%. The lowest was -7.33%. And the median was 8.94%.

MNMB's FCF Margin % is ranked worse than
76.42% of 1493 companies
in the Banks industry
Industry Median: 27.35 vs MNMB: -5.22


Merchants & Marine Bancorp FCF Margin % Related Terms


Merchants & Marine Bancorp FCF Margin % Historical Data

* Premium members only.

The historical data trend for Merchants & Marine Bancorp's FCF Margin % 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.

Merchants & Marine Bancorp FCF Margin % Chart

Merchants & Marine Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.96 6.03 6.60 11.27 -7.33

Merchants & Marine Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
FCF Margin % 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 0.00 0.00 0.00 0.00 0.00

MNMB vs DWNX, CBWA, CBAF: FCF Margin % Comparison

For the Banks - Regional subindustry, Merchants & Marine Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Merchants & Marine Bancorp's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Merchants & Marine Bancorp's FCF Margin % falls into.


MNMB
64GF Score
Merchants & Marine Bancorp Inc MNMB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Merchants & Marine Bancorp FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Merchants & Marine Bancorp's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-3.375/46.035
=-7.33 %

Merchants & Marine Bancorp's FCF Margin for the quarter that ended in Jun. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=0/30.195
=0.00 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 0.00% mean?
Merchants & Marine Bancorp (MNMB) has a FCF Margin % of 0.00% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Merchants & Marine Bancorp and its competitors. According to the industry distribution chart, Merchants & Marine Bancorp ranks #1141 out of 1493 companies in the Banks industry, placing it in the top 76.4%.
Is Merchants & Marine Bancorp's FCF Margin % too high?
Merchants & Marine Bancorp's current FCF Margin % is 0.00%. Based on the distribution chart, Merchants & Marine Bancorp ranks #1141 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 FCF Margin % compare to DWNX and CBWA?
According to the Banks industry distribution chart, Merchants & Marine Bancorp ranks #1141 out of 1493 companies for FCF Margin %. This places Merchants & Marine Bancorp in the lower half of its industry. The industry median FCF Margin % is 27.35. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.35, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Merchants & Marine Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants & Marine Bancorp's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current FCF Margin % is 0.00% 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:

  • FCF Margin %: 0.00%
  • GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
  • GF Score™: 64/100 with 4 warning signs

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 Business Description

Address 3118 Pascagoula Street, Pascagoula, MS, USA, 39567
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

Get the complete analysis for MNMB

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

$54.99
Price
$72.46
GF Value