Provides demand, NOW, money market, savings, and sweep accounts. Offers certificates of deposit. Now — the numbers.
This is an established company with proven profits.
Average growth of 18% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 11.5× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 91% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 15% off the top. A pullback, not a collapse.
Over the last 4 years, sales grew about 18% a year on average.
Over the last 12 months, company executives reported 25 buys and 14 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, MNSB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: MNSB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: the revenue breakdown.