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MNB Holdings Corporation

MNBO
68
Banks - Regional · Financial Services
Price
$56.30
+0.00 (+0.00%)
Market Cap
$25.7M
Winston Score
68
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Dec 31, 2007
How the score breaks down
Bank Quality
Mixed
Growth
Exceptional
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
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Winston Score History

The full picture

MNB Holdings Corporation is a small regional bank holding company. It provides everyday banking services like checking and savings accounts, loans, and other financial products to individuals and local businesses. Regional banks like MNB typically serve customers in a specific geographic area rather than operating nationwide like large banks such as JPMorgan or Bank of America.

The company earns money primarily through the difference between interest it charges on loans and interest it pays on deposits, known as net interest income. With a market cap near zero and a slightly negative operating margin, MNB is a very small institution facing real profitability challenges. The main risk for a bank this size is that rising funding costs, thin margins, and limited scale make it difficult to compete against larger banks with more resources and technology.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+22.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+89.5% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

92.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$16M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

MNB Holdings Corporation is a rare growth stock that's already generating positive cash flow while growing at 23%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 457K (2021) → 457K (2025)

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
9.5%
no trend
Below its cost of capital — 9.5%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.39%
no trend
Healthy — 3.39% net interest margin
Cost of running the bank
Efficiency Ratio
65.2%
no trend
Bloated cost base — 65.2% efficiency ratio

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Growth

Sales growth
Sales YoY
+42.7%
Fast-growing sales (+42.7% YoY)
Profit growth
EPS YoY
+54.4%
Earnings growing fast (+54.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
11.0%
no trend
Very well capitalised — 11.0% Tier-1 leverage

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.67%
no trend
Clean loan book — 0.67% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
-0.04%
no trend
Minimal losses — -0.04% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
13.5x
Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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