MFGI (Merchants Financial Group) Growth Rank: 1 (As of Jul. 31, 2026) — Near Median

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MFGI Merchants Financial Group Inc MFGI
49 GF Score
Price $41.40
GF Value $28.33
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Merchants Financial Group Growth Rank?

Merchants Financial Group MFGI +0.12% 49 Growth Rank is 1 as of Jul. 31, 2026, which is at its 10-year median of 1.00. GuruFocus rates MFGI with a GF Score™ of 49/100 and a GF Value™ of $28.33 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Merchants Financial Group has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Merchants Financial Group Growth Rank Related Terms

MFGI vs BFCC, TSBK, MSBC: Growth Rank Comparison

For the Banks - Regional subindustry, Merchants Financial Group's Growth Rank, along with its competitors' market caps and Growth 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.

Merchants Financial Group Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, Merchants Financial Group's Growth Rank distribution charts can be found below:

* The bar in red indicates where Merchants Financial Group's Growth Rank falls into.


MFGI
49GF Score
Merchants Financial Group Inc MFGI
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
Merchants Financial Group (MFGI) has a Growth Rank of 1 as of Jul. 31, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Merchants Financial Group and its competitors. This is near median its historical median of 1.00. Over the past decade, Merchants Financial Group's Growth Rank has ranged from 1.00 to 2.00.
Is Merchants Financial Group's Growth Rank too high?
Merchants Financial Group's current Growth 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 2.00. Overall, Merchants Financial Group has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Financial Group's Growth Rank compare to BFCC and TSBK?
Merchants Financial Group's Growth Rank of 1 can be compared against companies in the Banks industry. Historically, Merchants Financial Group's own Growth Rank has ranged from 1.00 to 2.00 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 Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Merchants Financial Group and its competitors. Merchants Financial Group's current Growth 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 Merchants Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Merchants Financial Group (MFGI) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.33, compared to a current price of $41.40 — trading 46.1% above its estimated fair value. The current Growth Rank is 1, which is near median its 10-year median of 1.00. Merchants Financial Group's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Merchants Financial Group (MFGI), the current Growth Rank is 1 as of Jul. 31, 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 Merchants Financial Group (MFGI) Overvalued in 2026?

Based on GuruFocus' analysis, Merchants Financial Group stock appears to be overvalued. The current stock price of $41.40 is trading 46.1% above its estimated GF Value™ of $28.33. GuruFocus considers Merchants Financial Group to be Significantly Overvalued.

Key valuation signals for MFGI:

  • Growth Rank: 1 (near median its 10-year median of 1.00)
  • GF Value™: $28.33 vs. price of $41.40 (46.1% above fair value)
  • GF Score™: 49/100 with 4 warning signs

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

Merchants Financial Group Business Description

Address 102 E. Third Street, Winona, MN, USA, 55987
Merchants Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail, commercial loans, and deposit services to individual as well as business customers. The various products and services offered by the Group include business credit cards, treasury management services, online and mobile banking services, different types of loans, checking accounts, saving accounts, digital wallet, military banking services, mortgage loans, etc. These services are offered through a network of branch offices and a leasing division across Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, and other locations in the USA.
49GF Score

Get the complete analysis for MFGI

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

$41.40
Price
$28.33
GF Value