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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Morris State Bancshares's retained earnings for the quarter that ended in Dec. 2025 was $169.41 Mil.
Morris State Bancshares's quarterly retained earnings
increased
from Jun. 2025 ($158.69 Mil) to Sep. 2025 ($163.23 Mil) and
increased
from Sep. 2025 ($163.23 Mil) to Dec. 2025 ($169.41 Mil).
Morris State Bancshares's annual retained earnings
increased
from Dec. 2023 ($135.11 Mil) to Dec. 2024 ($153.01 Mil) and
increased
from Dec. 2024 ($153.01 Mil) to Dec. 2025 ($169.41 Mil).
Morris State Bancshares (OTCPK:MBLU) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Morris State Bancshares Retained Earnings Historical Data
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The historical data trend for Morris State Bancshares's Retained Earnings 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.
Morris State Bancshares Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of $169.41 Mil mean?
Morris State Bancshares (MBLU) has a Retained Earnings of $169.41 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Morris State Bancshares and its competitors.
Is Morris State Bancshares' Retained Earnings too high?
Morris State Bancshares' current Retained Earnings is $169.41 Mil. 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' Retained Earnings compare to MSBC and FVCB?
Morris State Bancshares' Retained Earnings of $169.41 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Morris State Bancshares and its competitors. Morris State Bancshares's current Retained Earnings is $169.41 Mil. 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 Retained Earnings of $169.41 Mil. 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 Retained Earnings is $169.41 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Morris State Bancshares (MBLU), the current Retained Earnings is $169.41 Mil 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:
Retained Earnings: $169.41 Mil
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
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 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
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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