Mercer BancorpMSBB +0.03%35 Net Margin % is 14.45% as of Mar. 2026, which is 10% above its 10-year median of 13.16. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $16.89 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Mercer Bancorp ranks worse than 81.07% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Mercer Bancorp's Net Income for the
three
months ended in Mar. 2026 was $0.27 Mil. Mercer Bancorp's Revenue for the
three
months ended in Mar. 2026 was $1.88 Mil. Therefore, Mercer Bancorp's net margin for the quarter that ended in Mar. 2026 was 14.45%.
The historical rank and industry rank for Mercer Bancorp's Net Margin % or its related term are showing as below:
MSBB'
s Net Margin % Range Over the Past 10 Years
Min: 11.05 Med: 13.16 Max: 18.7
Current: 15.04
MSBB's Net Margin % is ranked worse than 81.07% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MSBB: 15.04
Mercer Bancorp (OTCPK:MSBB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Mercer Bancorp Net Margin % Related Terms
Mercer Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Mercer Bancorp's Net 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.
For the Banks - Regional subindustry, Mercer Bancorp's Net Margin %, along with its competitors' market caps and Net 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.
Mercer Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mercer Bancorp's Net Margin % falls into.
* 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 Net Margin % of 14.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Mercer Bancorp and its competitors. This is 10% above median its historical median of 13.16. Over the past decade, Mercer Bancorp's Net Margin % has ranged from 11.05 to 18.70. According to the industry distribution chart, Mercer Bancorp ranks #1238 out of 1527 companies in the Banks industry, placing it in the top 81.1%.
Is Mercer Bancorp's Net Margin % too high?
Mercer Bancorp's current Net Margin % of 14.45% is 10% above median its 10-year median of 13.16. Over the past 10 years, this metric has ranged from a low of 11.05 to a high of 18.70. The Banks industry median Net Margin % is 26.95. Mercer Bancorp's value of 14.45% is 46.4% below this industry median. Based on the distribution chart, Mercer Bancorp ranks #1238 out of 1527 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 Net Margin % compare to FLEW and JTNB?
According to the Banks industry distribution chart, Mercer Bancorp ranks #1238 out of 1527 companies for Net Margin %. This places Mercer Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. Mercer Bancorp's value of 14.45% is 46.4% below this benchmark. Historically, Mercer Bancorp's own Net Margin % has ranged from 11.05 to 18.70 over the past decade. While the company's 10-year median is 13.16 vs. the industry median of 26.95, Mercer Bancorp 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercer Bancorp's current Net Margin % of 14.45% is 46.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Mercer Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercer Bancorp's current Net Margin % is 14.45%, which is 10% above median its own 10-year median of 13.16. 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 Net Margin % is 14.45%, which is 10% above median its 10-year median of 13.16 and 46.4% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Mercer Bancorp (MSBB), the current Net Margin % is 14.45% as of Mar. 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:
Net Margin %: 14.45% (10% above median its 10-year median of 13.16)
GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
Industry Position: 46.4% below the Banks median (#1238 of 1527)
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
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