MBOF (Marine Bancorp FLA) GF Value Rank: 1 (As of Aug. 13, 2026) — Near Median

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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.

MBOF Marine Bancorp FLA Inc MBOF
31 GF Score
Price $43.75
GF Value $18.47
! 7 Warning Signs
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What is Marine Bancorp FLA GF Value Rank?

Marine Bancorp FLA MBOF 31 GF Value Rank is 1 as of Aug. 13, 2026, which is at its 10-year median of 1.00. GuruFocus rates MBOF with a GF Score™ of 31/100 and a GF Value™ of $18.47. The stock has 7 warning signs investors should review.

Marine Bancorp FLA has the GF Value Rank of 1.

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.

Marine Bancorp FLA GF Value Rank Related Terms

MBOF vs FBSI, KLIB, FSMK: GF Value Rank Comparison

For the Banks - Regional subindustry, Marine Bancorp FLA'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.

Marine Bancorp FLA GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Marine Bancorp FLA's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Marine Bancorp FLA's GF Value Rank falls into.


MBOF
31GF Score
Marine Bancorp FLA Inc MBOF
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 1 mean?
Marine Bancorp FLA (MBOF) has a GF Value Rank of 1 as of Aug. 13, 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 Marine Bancorp FLA and its competitors. This is near median its historical median of 1.00. Over the past decade, Marine Bancorp FLA's GF Value Rank has ranged from 1.00 to 1.00.
Is Marine Bancorp FLA's GF Value Rank too high?
Marine Bancorp FLA's current GF Value Rank of 1 is near median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 1.00. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's GF Value Rank compare to FBSI and KLIB?
Marine Bancorp FLA's GF Value Rank of 1 can be compared against companies in the Banks industry. Historically, Marine Bancorp FLA's own GF Value Rank has ranged from 1.00 to 1.00 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 Marine Bancorp FLA and its competitors. Marine Bancorp FLA's current GF Value Rank is 1, which is near median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current GF Value Rank of 1. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current GF Value Rank is 1, which is near median its 10-year median of 1.00. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current GF Value Rank is 1 as of Aug. 13, 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?

Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued. The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.

Key valuation signals for MBOF:

  • GF Value Rank: 1 (near median its 10-year median of 1.00)
  • GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
  • GF Score™: 31/100 with 7 warning signs

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

Marine Bancorp FLA Business Description

Address 571 Beachland Boulevard, Vero Beach, FL, USA, 32963
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score

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

$43.75
Price
$18.47
GF Value