Mercer Bancorp Financials

Mercer Bancorp (MSBB) reported $9.4M in total revenue for fiscal year 2025. This represents a 14.4% 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.

Mercer Bancorp (MSBB) revenue grew by 14.4% year-over-year, from $8.2M to $9.4M in fiscal year 2025.

Yes, Mercer Bancorp (MSBB) reported a net income of $972K in fiscal year 2025, with a net profit margin of 10.3%.

Mercer Bancorp (MSBB) reported diluted earnings per share of $1.02 for fiscal year 2025. This represents a 39.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Mercer Bancorp (MSBB) had a net profit margin of 10.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Mercer Bancorp (MSBB) has a return on equity of 4.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Mercer Bancorp (MSBB) generated -$938K in free cash flow during fiscal year 2025. This represents a 89.1% 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.

Mercer Bancorp (MSBB) generated $1.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Mercer Bancorp (MSBB) had $176.2M in total assets as of fiscal year 2025, including both current and long-term assets.

Mercer Bancorp (MSBB) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Mercer Bancorp (MSBB) spent $386K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Mercer Bancorp (MSBB) had 1M shares outstanding as of fiscal year 2025.

Mercer Bancorp (MSBB) had a debt-to-equity ratio of 6.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Mercer Bancorp (MSBB) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Mercer Bancorp (MSBB) has a Piotroski F-Score of 5 out of 9, indicating neutral 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.

Mercer Bancorp (MSBB) has an earnings quality ratio of 1.92x, considered cash-backed (high quality). 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.

Mercer Bancorp (MSBB) scores 21 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.