Mercer Bancorp, Inc.

Mercer Bancorp, Inc.

MSBB
Mercer Bancorp, Inc.US flagOther OTC
20.00
USD
-0.99
- -
20.27MMarket Cap
Mercer Bancorp, Inc.
MSBB
(Other OTC)

Recent

price

20.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2022
2023
2024
2025
TTM
FRC
4.93
5.81
6.64
7.48
7.75
Revenue per Share
0.92
0.73
0.73
1.03
1.17
Basic EPS, GAAP
0.9
-1.88
-9.12
-1
0.64
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
Dividend per Share
14.62
15.36
17.34
18.44
18.78
Book Value per Share
13.74
22.17
25.35
26.17
26.49
Tangible Book Value per Share
1
1
1
1
1
Basic Weighted Avg Shares
5
6
6
7
7
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
1
Depreciation Expense
1
1
1
1
1
Net Income, GAAP
16.98
18.9
19.3
20.8
20.18
Effective Tax Rate (%)
18.7
12.51
11.05
13.81
15.03
Profit Margin (%)
- -
- -
- -
- -
- -
Working Capital
2
12
3
- -
- -
LT Debt
14
23
24
25
25
Total Equity
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.85
4.32
5.76
6.4
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
ST Debt
6
1
1
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
15
15
16

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8
8
5
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
6
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
2.8%
Free Cash Flow
- -
- -
-89.11%
Net Income, GAAP
- -
- -
40.36%
Sales/Revenue/Turnover
- -
- -
12.24%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
1
2
2
6
2025
2
2
2
2
7
2026
2
2
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.14
0.15
- -
0.73
2025
0.29
0.04
0.36
- -
1.03
2026
0.18
0.28
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Mercer Bancorp, Inc. operates as the bank holding company for Mercer Savings Bank, providing community savings banking services. Its core products include one- to four-family residential mortgage loans; agricultural real estate loans secured by farmland; multifamily real estate loans; commercial real estate loans; and consumer loans. The company also offers deposit products such as checking accounts, savings accounts, certificates of deposit, and individual retirement accounts. Additionally, it provides card services including the Mercer Savings Mastercard® Debit Card with contactless payment options and a VISA® Platinum Credit Card featuring rewards and travel benefits. Geographic operations are centered in Celina, Ohio, where the company is headquartered. Founded in 1888, Mercer Bancorp, Inc. serves a diverse customer base including businesses, professional firms, real estate developers, residential home builders, high net-worth individuals, and investors primarily in the local community. Recent major changes for Mercer Bancorp include its transition from a mutual organization to a stock form, culminating in an initial public offering completed in July 2023, which raised approximately $9.7 million in gross proceeds. This transition involved contributing common stock to establish the Mercer Savings Charitable Foundation and listing its shares under the ticker MSBB on the OTCQB Market. Operationally, the company has continued to enhance its product suite by integrating modern card technology like Tap to Pay to improve customer convenience and security. Leadership changes include the appointment of Alvin Parmiter as CEO in January 2022. Mercer Bancorp also actively supports its community via philanthropic efforts linked to the bank's foundation. Mercer Bancorp operates within the financial services industry, specifically focusing on community banking, mortgage lending, and deposit services. Its banking services cater to various market segments including residential mortgage customers, agricultural clients, and commercial borrowers within its Ohio regional footprint. The company leverages a legacy of over 135 years in banking with an emphasis on personalized customer service. Mercer Bancorp’s subsidiary, Mercer Savings Bank, underpins the group’s operations and brand presence within the regional market. The bank positions itself as a trusted financial partner committed to supporting the financial well-being of its diverse clientele. Mercer Bancorp’s recent strategic initiatives focus on enhancing digital banking capabilities and customer experience, including expanded card services with contactless payments and automated savings options. The company demonstrates a commitment to sustaining growth through community engagement and maintaining a strong local banking presence while embracing technological advancements in financial services. This profile reflects Mercer Bancorp, Inc.’s current operational focus, product and service offerings, organizational changes, and market presence as of late 2025.