MFGI (Merchants Financial Group) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
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.

MFGI Merchants Financial Group Inc MFGI
49 GF Score
Price $41.35
GF Value $28.33
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Merchants Financial Group ROC (Joel Greenblatt) %?

Merchants Financial Group MFGI 49 ROC (Joel Greenblatt) % is % as of Jun. 2026. 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. Among 46 Banks companies, Merchants Financial Group ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

MFGI
49GF Score
Merchants Financial Group Inc MFGI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Merchants Financial Group (MFGI) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Merchants Financial Group and its competitors. According to the industry distribution chart, Merchants Financial Group ranks #999999 out of 46 companies in the Banks industry.
Is Merchants Financial Group's ROC (Joel Greenblatt) % too high?
Merchants Financial Group's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Merchants Financial Group ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to BFCC and TSBK?
According to the Banks industry distribution chart, Merchants Financial Group ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Merchants Financial Group in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Merchants Financial Group and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants Financial Group's current ROC (Joel Greenblatt) % is %. 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 $41.35 — trading 46% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Merchants Financial Group (MFGI), the current ROC (Joel Greenblatt) % is % as of Jun. 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 $41.35 is trading 46% above its estimated GF Value™ of $28.33. GuruFocus considers Merchants Financial Group to be Significantly Overvalued.

Key valuation signals for MFGI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $28.33 vs. price of $41.35 (46% 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.35
Price
$28.33
GF Value