Mercer Bancorp has the GF Score of 35, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Mercer Bancorp
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Mercer Bancorp (OTCPK:MSBB) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Mercer Bancorp GF Score Related Terms
MSBB vs MFDB, LOGN, UNTN: GF Score Comparison
For the Banks - Regional subindustry, Mercer Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Mercer Bancorp's GF Score falls into.
Mercer Bancorp (MSBB) has a GF Score of 35 as of Jun. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Mercer Bancorp and its competitors. This is 106% above median its historical median of 17.00. Over the past decade, Mercer Bancorp's GF Score has ranged from 8.00 to 42.00.
Is Mercer Bancorp's GF Score too high?
Mercer Bancorp's current GF Score of 35 is 106% above median its 10-year median of 17.00. Over the past 10 years, this metric has ranged from a low of 8.00 to a high of 42.00. 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 GF Score compare to MFDB and LOGN?
Mercer Bancorp's GF Score of 35 can be compared against companies in the Banks industry. Historically, Mercer Bancorp's own GF Score has ranged from 8.00 to 42.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Mercer Bancorp and its competitors. Mercer Bancorp's current GF Score is 35, which is 106% above median its own 10-year median of 17.00. 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 $16.89, compared to a current price of $19.56 — trading 15.8% above its estimated fair value. The current GF Score is 35, which is 106% above median its 10-year median of 17.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Mercer Bancorp (MSBB), the current GF Score is 35 as of Jun. 29, 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 $19.56 is trading 15.8% above its estimated GF Value™ of $16.89.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
GF Score: 35 (106% above median its 10-year median of 17.00)
GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
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
GF Score 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 