MSBB (Mercer Bancorp) PE Ratio without NRI: 16.95 (As of Jun. 27, 2026) — Near Median


MSBB Mercer Bancorp Inc MSBB
35 GF Score
Price $19.56
GF Value $16.89
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Mercer Bancorp PE Ratio without NRI?

Mercer Bancorp MSBB +0.03% 35 PE Ratio without NRI is 16.95 as of Jun. 27, 2026, which is 9% below its 10-year median of 18.56. 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 1,445 Banks companies, Mercer Bancorp ranks worse than 81.59% on this metric.

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-06-27), Mercer Bancorp's share price is $19.56. Mercer Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.15. Therefore, Mercer Bancorp's PE Ratio without NRI for today is 16.95.

During the past 4 years, Mercer Bancorp's highest PE Ratio without NRI was 49.81. The lowest was 10.14. And the median was 18.56.

Mercer Bancorp's EPS without NRI for the three months ended in Mar. 2026 was $0.27. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.15.

As of today (2026-06-27), Mercer Bancorp's share price is $19.56. Mercer Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.16. Therefore, Mercer Bancorp's PE Ratio (TTM) for today is 16.86.

During the past years, Mercer Bancorp's highest PE Ratio (TTM) was 46.54. The lowest was 10.14. And the median was 18.14.

Mercer Bancorp's EPS (Diluted) for the three months ended in Mar. 2026 was $0.28. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.16.

Mercer Bancorp's EPS (Basic) for the three months ended in Mar. 2026 was $0.28. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.17.


Mercer Bancorp  (OTCPK:MSBB) PE Ratio without NRI Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio without NRI measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.


Mercer Bancorp PE Ratio without NRI Related Terms


Mercer Bancorp PE Ratio without NRI Historical Data

* Premium members only.

The historical data trend for Mercer Bancorp's PE Ratio without NRI 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.

Mercer Bancorp PE Ratio without NRI Chart

Mercer Bancorp Annual Data
Trend Sep22 Sep23 Sep24 Sep25
PE Ratio without NRI
N/A 18.97 17.80 15.29

Mercer Bancorp Quarterly Data
Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio without NRI 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 19.58 15.60 15.29 17.23 14.51

MSBB vs FLEW, JTNB, CIBN: PE Ratio without NRI Comparison

For the Banks - Regional subindustry, Mercer Bancorp's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, Mercer Bancorp's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Mercer Bancorp's PE Ratio without NRI falls into.


MSBB
35GF Score
Mercer Bancorp Inc MSBB
PE Ratio without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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Mercer Bancorp PE Ratio without NRI Calculation

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.

Mercer Bancorp's PE Ratio without NRI for today is calculated as

PE Ratio without NRI=Share Price/ EPS without NRI
=19.56/1.154
=16.95

Mercer Bancorp's Share Price of today is $19.56.
Mercer Bancorp's EPS without NRI 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 $1.15.

* 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.

There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.

For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio without NRI →
What does a PE Ratio without NRI of 16.95 mean?
Mercer Bancorp (MSBB) has a PE Ratio without NRI of 16.95 as of Jun. 27, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Mercer Bancorp and its competitors. This is near median its historical median of 18.56. Over the past decade, Mercer Bancorp's PE Ratio without NRI has ranged from 10.14 to 49.81. According to the industry distribution chart, Mercer Bancorp ranks #1179 out of 1445 companies in the Banks industry, placing it in the top 81.6%.
Is Mercer Bancorp's PE Ratio without NRI too high?
Mercer Bancorp's current PE Ratio without NRI of 16.95 is near median its 10-year median of 18.56. Over the past 10 years, this metric has ranged from a low of 10.14 to a high of 49.81. The Banks industry median PE Ratio without NRI is 11.38. Mercer Bancorp's value of 16.95 is 48.9% above this industry median. Based on the distribution chart, Mercer Bancorp ranks #1179 out of 1445 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 PE Ratio without NRI compare to FLEW and JTNB?
According to the Banks industry distribution chart, Mercer Bancorp ranks #1179 out of 1445 companies for PE Ratio without NRI. This places Mercer Bancorp in the lower half of its industry. The industry median PE Ratio without NRI is 11.38. Mercer Bancorp's value of 16.95 is 48.9% above this benchmark. Historically, Mercer Bancorp's own PE Ratio without NRI has ranged from 10.14 to 49.81 over the past decade. While the company's 10-year median is 18.56 vs. the industry median of 11.38, Mercer 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.38, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mercer Bancorp's current PE Ratio without NRI of 16.95 is 48.9% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Mercer Bancorp and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mercer Bancorp's current PE Ratio without NRI is 16.95, which is near median its own 10-year median of 18.56. 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 PE Ratio without NRI is 16.95, which is near median its 10-year median of 18.56 and 48.9% above the Banks industry median of 11.38. 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 PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Mercer Bancorp (MSBB), the current PE Ratio without NRI is 16.95 as of Jun. 27, 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:

  • PE Ratio without NRI: 16.95 (near median its 10-year median of 18.56)
  • GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
  • GF Score™: 35/100 with 3 warning signs
  • Industry Position: 48.9% above the Banks median (#1179 of 1445)

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 Business Description

Address 1100 Irmscher Boulevard, Celina, OH, USA, 45822
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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PE Ratio without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.56
Price
$16.89
GF Value