MNMB (Merchants & Marine Bancorp) Scaled Net Operating Assets: 0.05 (As of Jun. 2026)

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MNMB Merchants & Marine Bancorp Inc MNMB
64 GF Score
Price $54.99
GF Value $72.46
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Merchants & Marine Bancorp Scaled Net Operating Assets?

Merchants & Marine Bancorp MNMB +1.83% 64 Scaled Net Operating Assets is 0.05 as of Jun. 2026. GuruFocus rates MNMB with a GF Score™ of 64/100 and a GF Value™ of $72.46 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Merchants & Marine Bancorp's operating assets for the quarter that ended in Jun. 2026 was $1,232.92 Mil. Merchants & Marine Bancorp's operating liabilities for the quarter that ended in Jun. 2026 was $1,185.15 Mil. Merchants & Marine Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $961.56 Mil. Therefore, Merchants & Marine Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.05.

MNMB
64GF Score
Merchants & Marine Bancorp Inc MNMB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Merchants & Marine Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Merchants & Marine Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(858.483-606.692)/715.225
=0.35

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=938.916 - 80.433
=858.483

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=807.869 - 0.177 - 201
=606.692

Merchants & Marine Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(1232.918-1185.148)/961.562
=0.05

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1348.715 - 115.797
=1232.918

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1185.148 - 0 - 0
=1185.148

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Merchants & Marine Bancorp (MNMB) has a Scaled Net Operating Assets of 0.05 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Merchants & Marine Bancorp and its competitors.
Is Merchants & Marine Bancorp's Scaled Net Operating Assets too high?
Merchants & Marine Bancorp's current Scaled Net Operating Assets is 0.05. Overall, Merchants & Marine Bancorp has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Merchants & Marine Bancorp's Scaled Net Operating Assets compare to DWNX and CBWA?
Merchants & Marine Bancorp's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Merchants & Marine Bancorp and its competitors. Merchants & Marine Bancorp's current Scaled Net Operating Assets is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants & Marine Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants & Marine Bancorp (MNMB) is currently considered Modestly Undervalued. The stock's GF Value™ is $72.46, compared to a current price of $54.99 — trading 24.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.05. Merchants & Marine Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current Scaled Net Operating Assets is 0.05 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 & Marine Bancorp (MNMB) Overvalued in 2026?

Based on GuruFocus' analysis, Merchants & Marine Bancorp stock appears to be undervalued. The current stock price of $54.99 is trading 24.1% below its estimated GF Value™ of $72.46. GuruFocus considers Merchants & Marine Bancorp to be Modestly Undervalued.

Key valuation signals for MNMB:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
  • GF Score™: 64/100 with 4 warning signs

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

Merchants & Marine Bancorp Business Description

Address 3118 Pascagoula Street, Pascagoula, MS, USA, 39567
Merchants & Marine Bancorp Inc provides full-service financial banking services to individuals, partnerships, corporations, and governmental agencies. Its deposit products include checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in Jackson and George Counties in Mississippi and Baldwin County in Alabama. The bank provides services such as Personal Banking, Mortgage Loans, Digital Banking, Credit Cards and Others.
64GF Score

Get the complete analysis for MNMB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.99
Price
$72.46
GF Value