MSBB (Mercer Bancorp) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


MSBB Mercer Bancorp Inc MSBB
35 GF Score
Price $19.56
GF Value $16.89
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Mercer Bancorp Scaled Net Operating Assets?

Mercer Bancorp MSBB +0.03% 35 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $16.89 (Modestly Overvalued). The stock has 3 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.

Mercer Bancorp's operating assets for the quarter that ended in Mar. 2026 was $169.01 Mil. Mercer Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $147.84 Mil. Mercer Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $174.19 Mil. Therefore, Mercer Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

MSBB
35GF Score
Mercer Bancorp Inc MSBB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Mercer 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.

Mercer Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Sep. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Sep. 2025 )
=(Operating Assets (A: Sep. 2025 )-Operating Liabilities (A: Sep. 2025 ))/Total Assets (A: Sep. 2024 )
=(172.783-145.548)/181.748
=0.15

where

Operating Assets(A: Sep. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=176.172 - 3.389
=172.783

Operating Liabilities(A: Sep. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=151.548 - 0 - 6
=145.548

Mercer Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(169.006-147.836)/174.193
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=173.936 - 4.93
=169.006

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=148.836 - 0 - 1
=147.836

* 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 0.12 mean?
Mercer Bancorp (MSBB) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Mercer Bancorp and its competitors.
Is Mercer Bancorp's Scaled Net Operating Assets too high?
Mercer Bancorp's current Scaled Net Operating Assets is 0.12. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's Scaled Net Operating Assets compare to FLEW and JTNB?
Mercer Bancorp's Scaled Net Operating Assets of 0.12 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 Mercer Bancorp and its competitors. Mercer Bancorp's current Scaled Net Operating Assets is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.89, compared to a current price of $19.56 — trading 15.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. Mercer Bancorp's overall GF Score™ is 35/100 with 3 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 Mercer Bancorp (MSBB), the current Scaled Net Operating Assets is 0.12 as of Mar. 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 Mercer Bancorp (MSBB) Overvalued in 2026?

Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued. The current stock price of $19.56 is trading 15.8% above its estimated GF Value™ of $16.89. GuruFocus considers Mercer Bancorp to be Modestly Overvalued.

Key valuation signals for MSBB:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
  • GF Score™: 35/100 with 3 warning signs

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

Mercer Bancorp Business Description

Address 1100 Irmscher Boulevard, Celina, OH, USA, 45822
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score

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$19.56
Price
$16.89
GF Value