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).
FY2025's dominant mechanic was balance-sheet repair, as leverage fell sharply even while the underlying operation still consumed cash.
Between FY2024 and FY2025, liabilities fell from$30.0M to$17.4M , pointing to a deliberate reduction in funding obligations. Debt-to-equity more than halved to 0.9x, yet operating cash burn remained-$439K , so the cleaner balance sheet did not come from stronger internal cash generation.
With
FY2025's cash conversion was weaker than the income line alone suggests: a
Financial Health Signals
We are recalculating Magnolia Bancorp Inc's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.
Magnolia Bancorp Inc passes 0 of 5 computable financial strength tests (4 of the nine could not be computed from available data). No profitability signals pass, 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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2K+100.0% | $1K0.0% | $1K-50.0% | $2K0.0% | $2K-33.3% | $3K+50.0% | $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 | $230K+4.5% | $220K+4.8% | $210K+12.3% | $187K-0.5% | $188K-2.1% | $192K-5.0% | $202K+12.8% | $179K |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $50K0.0% | $50K+6.4% | $47K-24.2% | $62K-23.5% | $81K-18.2% | $99K-7.5% | $107K+11.5% | $96K |
| Income Tax | $0-100.0% | $7K+158.3% | -$12K-50.0% | -$8K0.0% | -$8K+20.0% | -$10K0.0% | -$10K-400.0% | -$2K |
| Net Income | -$69K-23.2% | -$56K-16.7% | -$48K-33.3% | -$36K-20.0% | -$30K+25.0% | -$40K-11.1% | -$36K-500.0% | -$6K |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
MGNO Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $37.6M+0.4% | $37.4M+3.4% | $36.1M-2.6% | $37.1M-2.1% | $37.9M-13.8% | $44.0M+25.2% | $35.1M | 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 | N/A | $5.1M-48.9% | $9.9M+510.9% | $1.6M | N/A |
| 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 | $17.6M+1.3% | $17.4M+8.0% | $16.1M-5.4% | $17.0M-4.2% | $17.8M-40.8% | $30.0M+42.1% | $21.1M | 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 | $19.9M-0.3% | $20.0M-0.2% | $20.0M-0.2% | $20.1M-0.2% | $20.1M+44.6% | $13.9M-0.3% | $14.0M-0.3% | $14.0M |
| Retained Earnings | $13.7M-0.5% | $13.7M-0.4% | $13.8M-0.3% | $13.8M-0.3% | $13.9M-0.2% | $13.9M-0.3% | $14.0M | N/A |
MGNO Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $162K+142.1% | -$385K-12933.3% | $3K+112.0% | -$25K+21.9% | -$32K-122.2% | $144K+138.1% | -$378K-152.0% | -$150K |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | $0 | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | $144K | N/A | N/A |
| Investing Cash Flow | $281K-44.7% | $508K+258.3% | -$321K-129.3% | -$140K+24.7% | -$186K-231.9% | $141K-80.4% | $719K+67.2% | $430K |
| Financing Cash Flow | $182K-87.5% | $1.5M+260.1% | -$910K-21.3% | -$750K+83.9% | -$4.6M-157.9% | $8.0M+2698.1% | -$309K+26.6% | -$421K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $17K | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
MGNO Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | -3450.0%+2150.0pp | -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% |
| Return on Equity | -0.4%-0.1pp | -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% |
| Return on Assets | -0.2%-0.0pp | -0.1%-0.0pp | -0.1%-0.0pp | -0.1%-0.0pp | -0.1%0.0pp | -0.1%+0.0pp | -0.1% | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.88+0.0 | 0.87+0.1 | 0.80-0.0 | 0.85-0.0 | 0.88-1.3 | 2.16+0.6 | 1.52 | N/A |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | 4800.0% | 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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.