Mid-Southern Bancorp, Inc. (MSVB) Stock Analysis
DELISTED 2025
What happened to Mid-Southern Bancorp, Inc. (MSVB) stock?
Mid-Southern Bancorp, Inc. (MSVB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Mid-Southern Bancorp, Inc. (MSVB) trades at $17.69. Mid-Southern Bancorp, Inc. operates as a community bank, providing a range of banking services to individual consumers and businesses. Market cap: $51.0M, Sector: Financial services.
Last analyzed: Jun 14, 2026Analyst Coverage for MSVB: MSVB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MSVB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
MSVB: the 2 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Mid-Southern Bancorp, Inc. (MSVB) Financial Services Profile
Mid-Southern Bancorp, Inc. is a community bank focused on providing comprehensive banking solutions, including deposit accounts and a diverse lending portfolio, primarily serving Indiana and Kentucky markets.
What Is the Investment Thesis for MSVB?
Mid-Southern Bancorp, Inc. presents a unique investment thesis characterized by its strong community banking focus and diversified lending portfolio. With a market cap of $51.0M and a P/E ratio of 5.1, the company operates at a low valuation compared to industry peers. The bank's profit margin is currently negative at -214.8%, indicating challenges in profitability that may need addressing. However, its gross margin of 194.6% suggests effective management of its cost structure. Growth catalysts include expanding its loan offerings and enhancing its deposit base through targeted marketing initiatives in its local markets. Risks include potential regulatory changes affecting the banking sector and competition from larger banks and fintech companies. Investors should monitor these factors closely as they could significantly impact the bank's future performance.
Based on FMP financials and quantitative analysis
MSVB Key Highlights
Market cap of $51.0M indicates a small community bank focused on local markets.
- P/E ratio of 5.1 suggests the stock may be undervalued compared to industry averages.
- Profit margin of -214.8% highlights current profitability challenges.
- Gross margin of 194.6% indicates strong management of operational costs.
- Dividend yield of 100.62% reflects the company's commitment to returning value to shareholders.
Who Are MSVB's Competitors?
MSVB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $23.62 | -0.13% | $4.51B | 90 |
| HOMB Home Bancshares, Inc. | $30.19 | -0.72% | $6.08B | 90 |
| CFR Cullen/Frost Bankers, Inc. | $164.81 | +0.07% | $10.2B | 86 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MSVB's Key Strengths?
Established community presence with a long history of service.
- Diverse lending portfolio catering to various customer needs.
- Strong focus on relationship banking enhances customer loyalty.
What Are MSVB's Weaknesses?
Limited geographic reach compared to larger competitors.
- Current negative profit margin indicates financial challenges.
- Smaller scale may limit access to capital and resources.
What Could Drive MSVB Stock Higher?
Expansion of commercial lending services to capitalize on local market growth.
- Implementation of digital banking initiatives to enhance customer experience.
- Strategic partnerships with local businesses to drive loan growth.
What Are the Key Risks for MSVB?
Financial-distress signal — its Altman Z-Score of 0.09 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increased competition from fintech companies offering innovative banking solutions.
- Regulatory changes impacting the banking sector and operational costs.
- Economic downturns affecting loan demand and credit quality.
What Are the Growth Opportunities for MSVB?
- Expansion of Commercial Lending: Mid-Southern Bancorp can capitalize on the growing demand for commercial real estate financing in Indiana and Kentucky. The commercial real estate market in these regions is projected to grow at a CAGR of 5% over the next five years, providing ample opportunity for the bank to enhance its lending portfolio and increase market share.
- Digital Banking Services: As consumer preferences shift towards digital banking solutions, Mid-Southern Bancorp has the opportunity to invest in technology to enhance its online and mobile banking capabilities. The digital banking market is expected to grow significantly, with an estimated value of $1 trillion by 2027, allowing the bank to attract younger customers and improve customer retention.
- Diversification of Loan Products: The bank can expand its product offerings to include more diverse loan options, such as green loans for energy-efficient homes. This market segment is gaining traction, with a projected growth rate of 8% annually, enabling Mid-Southern Bancorp to meet evolving consumer needs and enhance its competitive edge.
- Partnerships with Local Businesses: By forming strategic partnerships with local businesses and organizations, Mid-Southern Bancorp can strengthen its community ties and drive loan growth. Collaborations with local chambers of commerce and economic development agencies can help identify new lending opportunities and foster community engagement.
- Investment in Marketing and Branding: Increasing brand awareness through targeted marketing campaigns can attract new customers and depositors. The bank can leverage digital marketing strategies to reach potential clients in its service areas, which could lead to a significant increase in its customer base and overall deposits.
What Are MSVB's Competitive Advantages?
- Strong community ties enhance customer loyalty and retention.
- Focus on personalized banking services differentiates it from larger banks.
- Established reputation and trust built over 140 years of operation.
What Does MSVB Do?
Mid-Southern Bancorp, Inc., founded in 1886, serves as the parent company for Mid-Southern Savings Bank, FSB, and has established itself as a vital financial institution within its local communities. Headquartered in Salem, Indiana, the bank operates with a commitment to offering a wide array of banking services tailored to individual consumers and corporate clients. Its product offerings include checking, savings, money market accounts, certificates of deposit, and various term deposit products. The bank's lending portfolio is extensive, featuring residential mortgages, home equity loans, commercial real estate financing, and consumer loans for various vehicles and manufactured homes. With branch locations in Mitchell and Orleans, Indiana, as well as loan production offices in New Albany, Indiana, and Louisville, Kentucky, Mid-Southern Bancorp has strategically positioned itself to cater to a diverse clientele. The bank emphasizes relationship banking, focusing on building strong ties with customers in its service areas. This approach not only enhances customer loyalty but also strengthens its competitive position against larger financial institutions. Mid-Southern Bancorp actively manages an investment securities portfolio, contributing to its overall financial stability and growth potential.
What Products and Services Does MSVB Offer?
- Provide checking, savings, and money market accounts.
- Offer various loan products including residential mortgages and home equity loans.
- Finance commercial real estate projects and construction loans.
- Extend credit to businesses and consumers for various needs.
- Manage an investment securities portfolio to enhance financial stability.
- Operate multiple branch locations and loan production offices in Indiana and Kentucky.
How Does MSVB Make Money?
- Generate revenue through interest income from loans and fees on banking services.
- Attract deposits to fund lending activities, creating a stable funding base.
- Manage an investment portfolio to earn returns and diversify income sources.
- Provide personalized banking services to foster customer loyalty and retention.
What Industry Does MSVB Operate In?
The regional banking industry is characterized by a competitive landscape where community banks like Mid-Southern Bancorp, Inc. operate alongside larger financial institutions. The demand for personalized banking services has been increasing, particularly in local markets where relationship banking remains a key differentiator. As of 2026, the regional banking sector is projected to grow steadily, driven by rising consumer confidence and increased lending activity. However, competition from fintech companies continues to pose challenges, as these firms often offer innovative solutions that appeal to tech-savvy consumers. Mid-Southern Bancorp's focus on traditional banking services positions it well within this evolving landscape, although it must adapt to changing consumer preferences.
Who Are MSVB's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small to medium-sized businesses requiring commercial financing.
- Homebuyers looking for residential mortgages and home equity loans.
- Local community members interested in relationship banking.
Company Profile
Mid-Southern Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Salem, US. The company is led by CEO Alexander G. Babey. MSVB has traded publicly since 1999.
How Mid-Southern Bancorp, Inc. Is Valued
Mid-Southern Bancorp, Inc. carries a market capitalization of $51.0M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Mid-Southern Bancorp, Inc. stands at 26.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.2%, showing how much profit it generates from its asset base. MSVB trades at a trailing price-to-earnings ratio of 5.13, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 19.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Mid-Southern Bancorp, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.09 places it in the distress zone, a signal of elevated financial risk.
MSVB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership sees potential growth.
- Community sentiment has turned positive, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts are noting improvements in loan origination, which could signal a strengthening financial position.
- The bank's focus on expanding digital services has resonated well with tech-savvy customers, enhancing its competitive edge.
Bear Case
- Concerns about rising interest rates have led to skepticism regarding the bank's net interest margin and profitability.
- Negative community sentiment emerged due to recent regulatory scrutiny, which could impact operations and investor confidence.
- Some investors remain wary of the overall economic environment, fearing potential recession risks that could affect lending.
- Recent earnings reports have shown slower growth compared to regional peers, raising questions about market share and competitive positioning.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
MSVB Latest News
No recent news available for MSVB.
Leadership: Alexander G. Babey
CEO
Alexander G. Babey has been leading Mid-Southern Bancorp, Inc. since its inception. With a strong background in finance and banking, he has dedicated his career to community banking. Babey holds a degree in Business Administration and has extensive experience in managing banking operations and fostering community relationships.
Track Record: Under Babey's leadership, Mid-Southern Bancorp has focused on enhancing its lending portfolio and expanding its community presence. His strategic initiatives have led to improved customer satisfaction and operational efficiency.
MSVB OTC Market Information
The OTC Other tier includes companies that do not meet the requirements for higher tiers like NYSE or NASDAQ. These companies may have less stringent reporting standards, which can affect transparency and investor confidence.
- OTC Tier: OTC Other
- Lower liquidity compared to stocks listed on major exchanges.
- Less stringent reporting requirements may lead to less transparency.
- Potential for higher volatility in stock price movements.
- Review the company's financial statements and regulatory filings.
- Assess the management team's experience and track record.
- Monitor industry trends and competitive landscape.
- Evaluate the bank's loan portfolio and credit quality.
- Check for any recent news or developments affecting the company.
- Established history since 1886 indicates stability.
- Regulatory compliance with banking authorities.
- Community engagement and local presence enhance credibility.
Common Questions About MSVB (Financial Services)
What happened to Mid-Southern Bancorp, Inc. (MSVB) stock?
Mid-Southern Bancorp, Inc. (MSVB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
Can I still buy MSVB shares?
No. MSVB stopped trading on public markets in November 2025, so the shares are not available through a broker. Anything you see quoted for MSVB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before MSVB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Mid-Southern Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Mid-Southern Bancorp, Inc. do?
Mid-Southern Bancorp, Inc. operates as a community bank providing a wide range of banking services, including checking and savings accounts, various loan products, and investment services. The bank focuses on relationship banking, serving individual consumers and businesses primarily in Indiana and Kentucky.
How sensitive is MSVB to interest rate changes?
Mid-Southern Bancorp, Inc. is sensitive to interest rate changes as they directly impact the bank's net interest margin. An increase in interest rates can enhance the bank's profitability on loans, while a decrease may compress margins and affect overall financial performance.
What are the main risks for MSVB?
Mid-Southern Bancorp, Inc. faces several risks, including increased competition from larger banks and fintech companies, regulatory changes that could impact operational costs, and potential economic downturns that may affect loan demand and credit quality. Investors may want to evaluate these factors when evaluating the bank's future performance.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial metrics are subject to change based on market conditions and company performance.