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Merchants & Marine BancorpMNMB +1.83%64 5-Year Yield-on-Cost % is 2.64 as of Sep. 07, 2026, which is 26% below its 10-year median of 3.56. 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. Among 1,245 Banks companies, Merchants & Marine Bancorp ranks worse than 69.48% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Merchants & Marine Bancorp 5-Year Yield-on-Cost % Related Terms
MNMB vs DWNX, CBWA, CBAF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Merchants & Marine Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 & Marine Bancorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Merchants & Marine Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Merchants & Marine Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Merchants & Marine Bancorp (MNMB) has a 5-Year Yield-on-Cost % of 2.64 as of Sep. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Merchants & Marine Bancorp and its competitors. This is 26% below median its historical median of 3.56. Over the past decade, Merchants & Marine Bancorp's 5-Year Yield-on-Cost % has ranged from 1.17 to 4.83. According to the industry distribution chart, Merchants & Marine Bancorp ranks #865 out of 1245 companies in the Banks industry, placing it in the top 69.5%.
Is Merchants & Marine Bancorp's 5-Year Yield-on-Cost % too high?
Merchants & Marine Bancorp's current 5-Year Yield-on-Cost % of 2.64 is 26% below median its 10-year median of 3.56. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 4.83. The Banks industry median 5-Year Yield-on-Cost % is 3.78. Merchants & Marine Bancorp's value of 2.64 is 30.2% below this industry median. Based on the distribution chart, Merchants & Marine Bancorp ranks #865 out of 1245 companies in the Banks industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to DWNX and CBWA?
According to the Banks industry distribution chart, Merchants & Marine Bancorp ranks #865 out of 1245 companies for 5-Year Yield-on-Cost %. This places Merchants & Marine Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.78. Merchants & Marine Bancorp's value of 2.64 is 30.2% below this benchmark. Historically, Merchants & Marine Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.17 to 4.83 over the past decade. While the company's 10-year median is 3.56 vs. the industry median of 3.78, Merchants & Marine Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.78, based on 1,245 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Merchants & Marine Bancorp's current 5-Year Yield-on-Cost % of 2.64 is 30.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Merchants & Marine Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants & Marine Bancorp's current 5-Year Yield-on-Cost % is 2.64, which is 26% below median its own 10-year median of 3.56. 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 5-Year Yield-on-Cost % is 2.64, which is 26% below median its 10-year median of 3.56 and 30.2% below the Banks industry median of 3.78. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current 5-Year Yield-on-Cost % is 2.64 as of Sep. 07, 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:
5-Year Yield-on-Cost %: 2.64 (26% below median its 10-year median of 3.56)
GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
Industry Position: 30.2% below the Banks median (#865 of 1245)
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 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
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