Magnolia Bancorp Inc Financials
This page shows Magnolia Bancorp Inc (MGNO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Magnolia Bancorp Inc's revenue declined 33.3% year-over-year, from $9K to $6K. This contraction results in a growth score of 0/100.
Magnolia Bancorp Inc carries a low D/E ratio of 0.87, meaning only $0.87 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 84/100, indicating a strong balance sheet with room for future borrowing.
While Magnolia Bancorp Inc generated -$439K in operating cash flow, capex of $47K consumed most of it, leaving -$486K in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Magnolia Bancorp Inc generates a -0.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is down from -0.7% the prior year.
Magnolia Bancorp Inc passes 0 of 9 financial strength tests. No profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Magnolia Bancorp Inc generates $2.58 in operating cash flow (-$439K OCF vs -$170K net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Magnolia Bancorp Inc generated $6K in revenue in fiscal year 2025. This represents a decrease of 33.3% from the prior year.
Magnolia Bancorp Inc reported -$170K in net income in fiscal year 2025. This represents a decrease of 70.0% from the prior year.
Cash & Balance Sheet
Magnolia Bancorp Inc generated -$486K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 3.4% from the prior year.
Magnolia Bancorp Inc had 833,750 shares outstanding in fiscal year 2025.
Margins & Returns
Magnolia Bancorp Inc's net profit margin was -2833.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1722.2 percentage points from the prior year.
Magnolia Bancorp Inc's ROE was -0.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the prior year.
Capital Allocation
Magnolia Bancorp Inc invested $47K in capex in fiscal year 2025, funding long-term assets and infrastructure.
MGNO Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1K0.0% | $1K-50.0% | $2K0.0% | $2K-33.3% | $3K+50.0% | $2K0.0% | $2K0.0% | $2K |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $50K+6.4% | $47K-24.2% | $62K-23.5% | $81K-18.2% | $99K-7.5% | $107K+11.5% | $96K+9.1% | $88K |
| Income Tax | $7K+158.3% | -$12K-50.0% | -$8K0.0% | -$8K+20.0% | -$10K0.0% | -$10K-400.0% | -$2K+60.0% | -$5K |
| Net Income | -$56K-16.7% | -$48K-33.3% | -$36K-20.0% | -$30K+25.0% | -$40K-11.1% | -$36K-500.0% | -$6K+66.7% | -$18K |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
MGNO Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $37.4M+3.4% | $36.1M-2.6% | $37.1M-2.1% | $37.9M-13.8% | $44.0M+25.2% | $35.1M | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | $5.1M-48.9% | $9.9M+510.9% | $1.6M | N/A | $1.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $17.4M+8.0% | $16.1M-5.4% | $17.0M-4.2% | $17.8M-40.8% | $30.0M+42.1% | $21.1M | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $20.0M-0.2% | $20.0M-0.2% | $20.1M-0.2% | $20.1M+44.6% | $13.9M-0.3% | $14.0M-0.3% | $14.0M0.0% | $14.0M |
| Retained Earnings | $13.7M-0.4% | $13.8M-0.3% | $13.8M-0.3% | $13.9M-0.2% | $13.9M-0.3% | $14.0M | N/A | N/A |
MGNO Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$385K-12933.3% | $3K+112.0% | -$25K+21.9% | -$32K-122.2% | $144K+138.1% | -$378K-152.0% | -$150K-74.4% | -$86K |
| Capital Expenditures | N/A | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | $144K | N/A | N/A | N/A |
| Investing Cash Flow | $508K+258.3% | -$321K-129.3% | -$140K+24.7% | -$186K-231.9% | $141K-80.4% | $719K+67.2% | $430K+1620.0% | $25K |
| Financing Cash Flow | $1.5M+260.1% | -$910K-21.3% | -$750K+83.9% | -$4.6M-157.9% | $8.0M+2698.1% | -$309K+26.6% | -$421K-583.9% | $87K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
MGNO Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -5600.0%-800.0pp | -4800.0%-3000.0pp | -1800.0%-300.0pp | -1500.0%-166.7pp | -1333.3%+466.7pp | -1800.0%-1500.0pp | -300.0%+600.0pp | -900.0% |
| Return on Equity | -0.3%-0.0pp | -0.2%-0.1pp | -0.2%-0.0pp | -0.1%+0.1pp | -0.3%-0.0pp | -0.3%-0.2pp | -0.0%+0.1pp | -0.1% |
| Return on Assets | -0.1%-0.0pp | -0.1%-0.0pp | -0.1%-0.0pp | -0.1%0.0pp | -0.1%+0.0pp | -0.1% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.87+0.1 | 0.80-0.0 | 0.85-0.0 | 0.88-1.3 | 2.16+0.6 | 1.52 | N/A | N/A |
| FCF Margin | N/A | N/A | N/A | N/A | 4800.0% | N/A | N/A | N/A |
Frequently Asked Questions
What is Magnolia Bancorp Inc's annual revenue?
Magnolia Bancorp Inc (MGNO) reported $6K in total revenue for fiscal year 2025. This represents a -33.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Magnolia Bancorp Inc's revenue growing?
Magnolia Bancorp Inc (MGNO) revenue declined by 33.3% year-over-year, from $9K to $6K in fiscal year 2025.
Is Magnolia Bancorp Inc profitable?
No, Magnolia Bancorp Inc (MGNO) reported a net income of -$170K in fiscal year 2025, with a net profit margin of -2833.3%.
What is Magnolia Bancorp Inc's net profit margin?
Magnolia Bancorp Inc (MGNO) had a net profit margin of -2833.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Magnolia Bancorp Inc's return on equity (ROE)?
Magnolia Bancorp Inc (MGNO) has a return on equity of -0.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Magnolia Bancorp Inc's free cash flow?
Magnolia Bancorp Inc (MGNO) generated -$486K in free cash flow during fiscal year 2025. This represents a -3.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Magnolia Bancorp Inc's operating cash flow?
Magnolia Bancorp Inc (MGNO) generated -$439K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Magnolia Bancorp Inc's total assets?
Magnolia Bancorp Inc (MGNO) had $37.4M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Magnolia Bancorp Inc's capital expenditures?
Magnolia Bancorp Inc (MGNO) invested $47K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Magnolia Bancorp Inc's debt-to-equity ratio?
Magnolia Bancorp Inc (MGNO) had a debt-to-equity ratio of 0.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Magnolia Bancorp Inc's return on assets (ROA)?
Magnolia Bancorp Inc (MGNO) had a return on assets of -0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Magnolia Bancorp Inc's Piotroski F-Score?
Magnolia Bancorp Inc (MGNO) has a Piotroski F-Score of 0 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Magnolia Bancorp Inc's earnings high quality?
Magnolia Bancorp Inc (MGNO) has an earnings quality ratio of 2.58x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Magnolia Bancorp Inc?
Magnolia Bancorp Inc (MGNO) scores 23 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.