Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
/
Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
of Mercer Bancorp Mercer Bancorp was incorporated in the State of Maryland on March 7, 2023 for the purpose of becoming the registered bank holding company for Mercer Savings Bank (the Bank ) upon the consummation of the Bank s mutual to stock conversion and initial stock offering, which was completed on July 26, 2023. In connection with the conversion, the Company sold 972,970 shares of common…
$20.50
$0.15 (-0.75%)
EOD Sep 15, 2026
At 18x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
17.8x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$1M
▲ +40.4% YoY
Net Margin
—
P/E
17.8x
Balance Sheet
Total Assets
$174M
Equity
$25M
Total Debt
$0.00
Cash & Equiv.
$6M
Continue Research
SourceComputed from the 10-Q filed 12 May 2026, covering the period ending 31 Mar 2026, as reported to the SEC. Data last refreshed 13 May 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Sep. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 17.8 and a price-to-free-cash-flow of 33.2, Mercer Bancorp (MSBB) trades above a two-stage DCF intrinsic value of about $16.82 per share, so at $20.50 the stock looks overvalued (17.9% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Mercer Bancorp scores 59/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $16.82 per share for MSBB, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $12.62. At today's $20.50, that puts the stock about 17.9% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Mercer Bancorp scores 59 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. MSBB currently trades above its estimated intrinsic value and scores 59/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.