Mercer Bancorp, Inc. (MSBB)
Financials · OQB · US
Price as at 30 Sept 2026, 21:25 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Mercer Bancorp, Inc. trades at $22.22, which is 98% below the $43.89 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 24 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 18.4 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About Mercer Bancorp, Inc.
Mercer Bancorp, Inc. operates as the bank holding company for Mercer Savings Bank that offers financial products and services to individuals and businesses in western Ohio. The company accepts checking accounts, savings accounts, and certificates of deposit. Its loan products include one- to four-family residential mortgage loans and agricultural real estate loans secured by properties; and multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans, as well as indirect automobile loans. It invests in securities; and provides online and mobile banking services. The company was founded in 1888 and is based in Celina, Ohio.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
MSBB passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
MSBB peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Mercer Bancorp, Inc. (MSBB) undervalued?
Against our fair value estimate of $43.89, MSBB at $22.22 is 98% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is MSBB's P/E ratio?
MSBB trades at 18.4 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its MSBB data?
Fundamentals for MSBB come from company filings and exchange data, as listed on OQB; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 30 Sept 2026, 21:25 UTC and is delayed. Our data quality score for this company is 83/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for MSBB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.