MBLU (Morris State Bancshares) GF Value Rank: 7 (As of Jul. 28, 2026) — 40% Above Median

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Director of Data and Quant Analytics at GuruFocus
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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.

MBLU Morris State Bancshares Inc MBLU
49 GF Score
Price $25.00
GF Value $24.47
! 2 Warning Signs
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What is Morris State Bancshares GF Value Rank?

Morris State Bancshares MBLU 49 GF Value Rank is 7 as of Jul. 28, 2026, which is 40% above its 10-year median of 5.00. GuruFocus rates MBLU with a GF Score™ of 49/100 and a GF Value™ of $24.47. The stock has 2 warning signs investors should review.

Morris State Bancshares has the GF Value Rank of 7.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Morris State Bancshares GF Value Rank Related Terms

MBLU vs MSBC, FVCB, FCCO: GF Value Rank Comparison

For the Banks - Regional subindustry, Morris State Bancshares's GF Value Rank, along with its competitors' market caps and GF Value Rank 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.

Morris State Bancshares GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Morris State Bancshares's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Morris State Bancshares's GF Value Rank falls into.


MBLU
49GF Score
Morris State Bancshares Inc MBLU
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 7 mean?
Morris State Bancshares (MBLU) has a GF Value Rank of 7 as of Jul. 28, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Morris State Bancshares and its competitors. This is 40% above median its historical median of 5.00. Over the past decade, Morris State Bancshares' GF Value Rank has ranged from 3.00 to 9.00.
Is Morris State Bancshares' GF Value Rank too high?
Morris State Bancshares' current GF Value Rank of 7 is 40% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' GF Value Rank compare to MSBC and FVCB?
Morris State Bancshares' GF Value Rank of 7 can be compared against companies in the Banks industry. Historically, Morris State Bancshares' own GF Value Rank has ranged from 3.00 to 9.00 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 Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Morris State Bancshares and its competitors. Morris State Bancshares's current GF Value Rank is 7, which is 40% above median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current GF Value Rank of 7. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current GF Value Rank is 7, which is 40% above median its 10-year median of 5.00. Morris State Bancshares' overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Morris State Bancshares (MBLU), the current GF Value Rank is 7 as of Jul. 28, 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 Morris State Bancshares (MBLU) Overvalued in 2026?

Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued. The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.

Key valuation signals for MBLU:

  • GF Value Rank: 7 (40% above median its 10-year median of 5.00)
  • GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
  • GF Score™: 49/100 with 2 warning signs

No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Morris State Bancshares Business Description

Address 300 Bellevue Avenue, PO Box 520, Dublin, GA, USA, 31040
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score

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

$25.00
Price
$24.47
GF Value