MBLU (Morris State Bancshares) Profitability Rank: 5 (As of Dec. 2025) — 25% Above Median

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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 Profitability Rank?

Morris State Bancshares MBLU 49 Profitability Rank is 5 as of Dec. 2025, which is 25% above its 10-year median of 4.00. 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 Profitability Rank of 5.

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:

1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank

A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

Morris State Bancshares's Operating Margin % for the quarter that ended in Dec. 2025 was 0.00%. As of today, Morris State Bancshares's Piotroski F-Score is 7.


Morris State Bancshares Profitability Rank Related Terms


MBLU vs MSBC, FVCB, FCCO: Profitability Rank Comparison

For the Banks - Regional subindustry, Morris State Bancshares's Profitability Rank, along with its competitors' market caps and Profitability 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 Profitability Rank vs Banks Industry

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

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


MBLU
49GF Score
Morris State Bancshares Inc MBLU
Profitability Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Morris State Bancshares Profitability Rank Calculation

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.

The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.

Morris State Bancshares has the Profitability Rank of 5.

Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.

Profitability Rank is based on these factors:

1. Operating Margin %

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

Morris State Bancshares's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Dec. 2025 ) / Revenue (Q: Dec. 2025 )
=0 / 22.576
=0.00 %

* 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.

2. Piotroski F-Score

Good Sign:

Piotroski F-Score is 7, indicates a very healthy situation.

The zones of discrimination were as such:

Good or high score = 8 or 9
Bad or low score = 0 or 1

Morris State Bancshares has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.

3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.

4. Consistency of the profitability

5. Predictability Rank

Frequently Asked Questions Learn more about Profitability Rank →
What does a Profitability Rank of 5 mean?
Morris State Bancshares (MBLU) has a Profitability Rank of 5 as of Dec. 2025. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Morris State Bancshares and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, Morris State Bancshares' Profitability Rank has ranged from 1.00 to 5.00.
Is Morris State Bancshares' Profitability Rank too high?
Morris State Bancshares' current Profitability Rank of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 5.00. 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' Profitability Rank compare to MSBC and FVCB?
Morris State Bancshares' Profitability Rank of 5 can be compared against companies in the Banks industry. Historically, Morris State Bancshares' own Profitability Rank has ranged from 1.00 to 5.00 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 Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Morris State Bancshares and its competitors. Morris State Bancshares's current Profitability Rank is 5, which is 25% above median its own 10-year median of 4.00. 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 Profitability Rank of 5. 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 Profitability Rank is 5, which is 25% above median its 10-year median of 4.00. 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 Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Morris State Bancshares (MBLU), the current Profitability Rank is 5 as of Dec. 2025. 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:

  • Profitability Rank: 5 (25% above median its 10-year median of 4.00)
  • 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

Get the complete analysis for MBLU

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

$25.00
Price
$24.47
GF Value