Magnolia Bancorp Inc (MGNO) Financials
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MGNO SEC filings page.
Magnolia Bancorp Inc (MGNO) reported $6K in revenue for fiscal year 2025, down 33.3% from the prior fiscal year. This page shows its 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).
Deleveraging strengthened the balance sheet in FY2025, while shrinking revenue and persistent cash outflows kept the business loss-making.
The debt-to-equity ratio fell from 2.2x in FY2024 to 0.9x in FY2025. Assets contracted by$6.1M while financing cash flow was-$4.8M , indicating the improved leverage profile came chiefly from balance-sheet contraction rather than stronger operations.
Revenue fell from
Operating cash flow was
Financial Health Signals
Magnolia Bancorp Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Magnolia Bancorp Inc passes 1 of 6 computable financial strength tests (3 of the nine could not be computed from available data). No profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
Magnolia Bancorp Inc reported a net loss of $170K while operations used $439K of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Magnolia Bancorp Inc generated $1K in revenue in Q2 2026. This represents a decrease of 50.0% from the same quarter a year earlier. Against the prior quarter it is down 50.0%.
Magnolia Bancorp Inc reported -$65K in net income in Q2 2026. This represents a decrease of 80.6% from the same quarter a year earlier. Against the prior quarter it is up 5.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
Not reported for Q2 2026.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Magnolia Bancorp Inc's ROE was -0.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Magnolia Bancorp Inc repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
MGNO Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1K-50.0% | $2K0.0% | $1K-66.7% | $1K-50.0% | $2K0.0% | $2K0.0% | $3K | $2K0.0% |
| SG&A Expenses | $232K+24.1% | $230K+22.3% | $220K+14.6% | $210K+4.0% | $187K+4.5% | $188K-3.1% | $192K | $202K+1.0% |
| Interest Expense | $49K-21.0% | $50K-38.3% | $50K-49.5% | $47K-56.1% | $62K-35.4% | $81K-8.0% | $99K | $107K+109.8% |
| Income Tax | $0+100.0% | $0+100.0% | $7K+170.0% | -$12K-20.0% | -$8K-300.0% | -$8K-60.0% | -$10K | -$10K-350.0% |
| Net Income | -$65K-80.6% | -$69K-130.0% | -$56K-40.0% | -$48K-33.3% | -$36K-500.0% | -$30K-66.7% | -$40K | -$36K-325.0% |
| EPS (Basic) | -$8.00-60.0% | -$9.00-125.0% | -$7.00 | -$6.00 | -$5.00 | -$4.00 | $0.00 | $0.00 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).
MGNO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $35.9M-3.2% | $37.6M-0.9% | $37.4M-14.9% | $36.1M+3.0% | $37.1M | $37.9M | $44.0M+22.8% | $35.1M |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | $5.1M+192.4% | $9.9M+481.3% | $1.6M-59.0% |
| Short-Term Investments | N/A | N/A | N/A | N/A | N/A | $0 | $0 | $0 |
| Long-Term Investments | N/A | N/A | N/A | N/A | N/A | $0 | $0 | $0 |
| Total Liabilities | $16.1M-5.7% | $17.6M-0.8% | $17.4M-42.1% | $16.1M-23.8% | $17.0M | $17.8M | $30.0M+37.9% | $21.1M |
| Total Equity | $19.9M-1.0% | $19.9M-0.9% | $20.0M+43.7% | $20.0M+43.6% | $20.1M+43.5% | $20.1M+43.7% | $13.9M-0.7% | $14.0M-0.4% |
| Retained Earnings | $13.6M-1.7% | $13.7M-1.5% | $13.7M-1.2% | $13.8M-1.1% | $13.8M | $13.9M | $13.9M-0.7% | $14.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
MGNO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$31K-24.0% | $162K+606.3% | -$385K-367.4% | $3K+100.8% | -$25K+83.3% | -$32K+62.8% | $144K+469.2% | -$378K |
| Depreciation & Amortization | $3K-50.0% | $3K-57.1% | $6K0.0% | $6K0.0% | $6K-14.3% | $7K+16.7% | $6K0.0% | $6K0.0% |
| Stock-Based Compensation | N/A | $14K | N/A | N/A | N/A | $0 | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | $144K+451.2% | N/A |
| Investing Cash Flow | $365K+360.7% | $281K+251.1% | $508K+260.3% | -$321K-144.6% | -$140K-132.6% | -$186K-844.0% | $141K+382.0% | $719K |
| Financing Cash Flow | -$1.6M-111.3% | $182K+103.9% | $1.5M-81.9% | -$910K-194.5% | -$750K-78.1% | -$4.6M-5440.2% | $8.0M+470.6% | -$309K |
| Share Buybacks | $0 | $17K | N/A | N/A | $0 | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
MGNO Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -6500.0% | -3450.0% | -5600.0% | -4800.0% | -1800.0% | -1500.0% | -1333.3% | -1800.0% |
| Return on Equity | -0.3%-0.1pp | -0.4%-0.2pp | -0.3%0.0pp | -0.2%0.0pp | -0.2%-0.1pp | -0.1%0.0pp | -0.3% | -0.3%-0.4pp |
| Return on Assets | -0.2%-0.1pp | -0.2%-0.1pp | -0.1%-0.1pp | -0.1%0.0pp | -0.1% | -0.1% | -0.1% | -0.1% |
| Debt-to-Equity | 0.810.0x | 0.880.0x | 0.87-1.3x | 0.80-0.7x | 0.85 | 0.88 | 2.16+0.6x | 1.52 |
| Asset Turnover | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.00 | 0.00 | 0.00 | 0.00 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | 4800.0% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
Where Magnolia Bancorp Inc Ranks
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.
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) recorded an outflow of $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) recorded an outflow of $439K in operating cash flow during fiscal year 2025, representing cash used by 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 1 out of 6 computable signals; 3 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) reported a net loss of $170K while operations used $439K of cash. With neither figure positive, the ratio between the two carries no quality signal. 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.