Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Merchants Financial GroupMFGI 49 Shareholder Yield % is 5.48% as of Jun. 2026, which is 1% below its 10-year median of 5.56. 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 1,501 Banks companies, Merchants Financial Group ranks better than 69.09% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Merchants Financial Group's Shareholder Yield % was 5.48%.
Merchants Financial Group (OTCPK:MFGI) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Merchants Financial Group Shareholder Yield % Related Terms
Merchants Financial Group Shareholder Yield % Historical Data
* 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.
Merchants Financial Group Shareholder Yield % Chart
MFGI vs BFCC, TSBK, MSBC: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Merchants Financial Group's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Financial Group's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Merchants Financial Group's Shareholder Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Merchants Financial Group (MFGI) has a Shareholder Yield % of 5.48% as of Jun. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Merchants Financial Group and its competitors. This is near median its historical median of 5.56. Over the past decade, Merchants Financial Group's Shareholder Yield % has ranged from 2.16 to 8.36. According to the industry distribution chart, Merchants Financial Group ranks #464 out of 1501 companies in the Banks industry, placing it in the top 30.9%.
Is Merchants Financial Group's Shareholder Yield % too high?
Merchants Financial Group's current Shareholder Yield % of 5.48% is near median its 10-year median of 5.56. Over the past 10 years, this metric has ranged from a low of 2.16 to a high of 8.36. The Banks industry median Shareholder Yield % is 1.51. Merchants Financial Group's value of 5.48% is 262.9% above this industry median. Based on the distribution chart, Merchants Financial Group ranks #464 out of 1501 companies in the Banks industry, which is above the industry midpoint. 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 Shareholder Yield % compare to BFCC and TSBK?
According to the Banks industry distribution chart, Merchants Financial Group ranks #464 out of 1501 companies for Shareholder Yield %. This puts Merchants Financial Group in the upper half of its industry. The industry median Shareholder Yield % is 1.51. Merchants Financial Group's value of 5.48% is 262.9% above this benchmark. Historically, Merchants Financial Group's own Shareholder Yield % has ranged from 2.16 to 8.36 over the past decade. While the company's 10-year median is 5.56 vs. the industry median of 1.51, Merchants Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.51, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Merchants Financial Group's current Shareholder Yield % of 5.48% is 262.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Merchants Financial Group and its competitors. For the Banks industry, the median Shareholder Yield % is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants Financial Group's current Shareholder Yield % is 5.48%, which is near median its own 10-year median of 5.56. 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 Shareholder Yield % is 5.48%, which is near median its 10-year median of 5.56 and 262.9% above the Banks industry median of 1.51. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Merchants Financial Group (MFGI), the current Shareholder Yield % is 5.48% 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:
Shareholder Yield %: 5.48% (near median its 10-year median of 5.56)
GF Value™: $28.33 vs. price of $41.35 (46% above fair value)
Industry Position: 262.9% above the Banks median (#464 of 1501)
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 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
Shareholder Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MFGI has been successfully added to your 
