MERCER BANCORP INC (MSBB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed May 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MSBB SEC filings page.
MERCER BANCORP INC (MSBB) reported $7.6M in revenue over the twelve months to Mar 31, 2026, up 7.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 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).
Mercer’s latest recovery comes from restored operating cash generation, but capital intensity still absorbs much of the earnings stream.
In FY2025, operating cash flow returned to$1.9M while free cash flow remained-$938K , showing earnings converted into operating cash but not into cash after reinvestment. That reversal from FY2024’s operating cash flow of-$8.1M marks a cash-conversion recovery rather than a simple profit rebound.
The balance sheet remains liability-heavy: debt-to-equity was 6.2x in FY2025, while return on assets was only
Revenue expanded from
Financial Health Signals
MERCER 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.
MERCER BANCORP INC passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, MERCER BANCORP INC generates $1.92 in operating cash flow ($1.9M OCF vs $972K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
MERCER BANCORP INC generated $2.0M in revenue in Q2 2026. This represents an increase of 9.0% from the same quarter a year earlier. Against the prior quarter it is up 4.9%.
MERCER BANCORP INC reported $272K in net income in Q2 2026. This represents an increase of 669.5% from the same quarter a year earlier. Against the prior quarter it is up 58.9%.
MERCER BANCORP INC earned $0.28 per diluted share (EPS) in Q2 2026. This represents an increase of 600.0% from the same quarter a year earlier. Against the prior quarter it is up 55.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
MERCER BANCORP INC generated $316K in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 137.1% from the same quarter a year earlier. Against the prior quarter it is up 24.8%.
MERCER BANCORP INC held $6.0M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
MERCER BANCORP INC's net profit margin was 13.9% in Q2 2026, showing the share of revenue converted to profit. This is up 12.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.7 percentage points.
MERCER BANCORP INC's ROE was 1.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
MERCER BANCORP INC spent $214K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 934.9%.
MERCER BANCORP INC invested $56K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 94.2% from the same quarter a year earlier. Against the prior quarter it is down 42.3%.
Not reported for Q2 2026.
MSBB 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 | $2.0M+9.0% | $1.9M+6.7% | $1.9M+3.4% | $1.9M+13.1% | $1.8M+17.1% | $1.7M+13.1% | $1.8M+16.8% | $1.6M+7.2% |
| SG&A Expenses | $811K+32.0% | $759K+21.0% | $759K+17.8% | $703K+12.4% | $614K-2.5% | $628K+1.9% | $644K+16.4% | $626K+9.8% |
| Interest Expense | $552K-16.1% | $593K-20.0% | $605K-23.3% | $634K-5.6% | $658K+13.8% | $740K+49.3% | $788K+205.3% | $671K+299.3% |
| Income Tax | $63K+701.4% | $38K-45.7% | $85K+38.7% | $94K+284.2% | $8K-78.2% | $69K+57.1% | $61K+214.4% | $24K-66.6% |
| Net Income | $272K+669.5% | $171K-38.0% | $327K+33.2% | $334K+130.7% | $35K-72.6% | $276K+59.2% | $245K+232.2% | $145K-49.7% |
| EPS (Basic) | $0.28+600.0% | $0.18-37.9% | $0.35+34.6% | $0.36+140.0% | $0.04-71.4% | $0.29+61.1% | $0.26 | $0.15 |
| EPS (Diluted) | $0.28+600.0% | $0.18-37.9% | $0.34+30.8% | $0.36+140.0% | $0.04-71.4% | $0.29+61.1% | $0.26 | $0.15 |
| Diluted Shares (Avg) | 973,842+2.8% | 971,316+2.0% | N/A | 936,828-1.0% | 947,649+0.1% | 952,044 | N/A | 946,588 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
MSBB 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 | $173.9M-3.9% | $174.2M-3.7% | $176.2M-3.1% | $177.0M+0.2% | $180.9M+6.8% | $180.9M+8.7% | $181.7M+14.3% | $176.6M+13.8% |
| Cash & Equivalents | $6.0M-11.3% | $4.7M-3.0% | $5.4M-9.1% | $3.8M-43.6% | $6.7M-15.3% | $4.9M-36.0% | $5.9M-6.3% | $6.8M-25.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $148.8M-5.2% | $149.2M-4.8% | $151.5M-4.0% | $152.9M-0.2% | $157.0M+7.5% | $156.8M+9.5% | $157.8M+15.7% | $153.1M+9.3% |
| Total Equity | $25.1M+5.0% | $25.0M+3.7% | $24.6M+2.8% | $24.1M+2.3% | $23.9M+2.3% | $24.1M+3.6% | $24.0M+5.6% | $23.5M+55.1% |
| Retained Earnings | $17.8M+6.6% | $17.5M+5.2% | $17.3M+5.9% | $17.0M+5.5% | $16.7M+4.4% | $16.6M+5.0% | $16.4M+4.3% | $16.1M+1.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
MSBB 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 | $372K+217.9% | $350K+2618.4% | $95K+108.3% | $1.7M+163.0% | $117K+105.3% | -$14K+99.3% | -$1.1M-122.6% | -$2.7M+62.1% |
| Depreciation & Amortization | $116K | $115K+31.7% | $109K+20.8% | $203K+122.2% | $0-100.0% | $88K-4.8% | $90K+2.3% | $91K+19.3% |
| Stock-Based Compensation | N/A | $42K-39.0% | N/A | N/A | $4K | $69K-14.7% | N/A | N/A |
| Capital Expenditures | $56K-94.2% | $97K-6.8% | $456K+531.2% | $1.3M+998.4% | $970K+279.4% | $104K+154.8% | $72K-51.4% | $117K+46.3% |
| Free Cash Flow | $316K+137.1% | $253K+315.5% | -$361K+70.1% | $393K+114.2% | -$853K+65.5% | -$118K+94.6% | -$1.2M-124.7% | -$2.8M+60.9% |
| Investing Cash Flow | $1.4M-22.7% | $1.1M+1004.8% | $2.3M+152.3% | $520K+109.6% | $1.8M+382.5% | -$123K+96.5% | -$4.4M+61.5% | -$5.4M-1985.0% |
| Financing Cash Flow | -$578K-344.5% | -$2.1M-138.2% | -$876K-118.8% | -$5.1M-172.8% | -$130K-104.1% | -$878K-112.6% | $4.7M+29.4% | $7.0M+15.6% |
| Share Buybacks | $214K | $21K | $0 | $146K | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
MSBB 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 | 13.9%+12.0pp | 9.2%-6.6pp | 17.2%+3.8pp | 17.9%+9.1pp | 2.0%-6.5pp | 15.8%+4.6pp | 13.4%+25.1pp | 8.8%-9.9pp |
| Return on Equity | 1.1%+0.9pp | 0.7%-0.5pp | 1.3%+0.3pp | 1.4%+0.8pp | 0.1%-0.4pp | 1.1%+0.4pp | 1.0%+1.8pp | 0.6%-1.3pp |
| Return on Assets | 0.2%+0.1pp | 0.1%-0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.0%-0.1pp | 0.1%+0.1pp | 0.1%+0.3pp | 0.1%-0.1pp |
| Debt-to-Equity | 5.93-0.6x | 5.97-0.5x | 6.15-0.4x | 6.35-0.2x | 6.57+0.3x | 6.51+0.4x | 6.59+0.6x | 6.51-2.7x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 16.2%+63.8pp | 13.6%+20.3pp | -19.0%+46.7pp | 21.1% | -47.6% | -6.7% | -65.7% | -168.3% |
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: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| MERCER BANCORP INC MSBB | FY2025 | $7.3M | $972K | 13.3% | $21.2M | — |
| GOUVERNEUR BANCORP INC MD GOVB | FY2025 | $8.2M | $733K | 8.9% | $24.7M | — |
| PFS BANCORP INC (MD) PFSB | FY2025 | $6.6M | $1.7M | 25.4% | $34.3M | — |
Where MERCER BANCORP INC Ranks
Frequently Asked Questions
What is MERCER BANCORP INC's annual revenue?
MERCER BANCORP INC (MSBB) reported $7.3M in total revenue for fiscal year 2025. This represents a 11.3% 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 MERCER BANCORP INC's revenue growing?
MERCER BANCORP INC (MSBB) revenue grew by 11.3% year-over-year, from $6.6M to $7.3M in fiscal year 2025.
Is MERCER BANCORP INC profitable?
Yes, MERCER BANCORP INC (MSBB) reported a net income of $972K in fiscal year 2025, with a net profit margin of 13.3%.
What is MERCER BANCORP INC's net profit margin?
MERCER BANCORP INC (MSBB) had a net profit margin of 13.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is MERCER BANCORP INC's return on equity (ROE)?
MERCER BANCORP INC (MSBB) has a return on equity of 4.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is MERCER BANCORP INC's free cash flow?
MERCER BANCORP INC (MSBB) recorded an outflow of $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.
What is MERCER BANCORP INC's operating cash flow?
MERCER BANCORP INC (MSBB) generated $1.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are MERCER BANCORP INC's total assets?
MERCER BANCORP INC (MSBB) had $176.2M in total assets as of fiscal year 2025, including both current and long-term assets.
What are MERCER BANCORP INC's capital expenditures?
MERCER BANCORP INC (MSBB) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is MERCER BANCORP INC's debt-to-equity ratio?
MERCER BANCORP INC (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.
What is MERCER BANCORP INC's return on assets (ROA)?
MERCER BANCORP INC (MSBB) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is MERCER BANCORP INC's P/E ratio?
MERCER BANCORP INC (MSBB) trades at 19.2x earnings, its market capitalization divided by net income of $1.1M net income, trailing 12 months to March 31, 2026. The market capitalization is $21.2M as of Sep 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is MERCER BANCORP INC's price-to-sales ratio?
MERCER BANCORP INC (MSBB) trades at 2.8x sales, its market capitalization divided by revenue of $7.6M revenue, trailing 12 months to March 31, 2026. The market capitalization is $21.2M as of Sep 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is MERCER BANCORP INC's Piotroski F-Score?
MERCER BANCORP INC (MSBB) has a Piotroski F-Score of 5 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 MERCER BANCORP INC's earnings high quality?
MERCER BANCORP INC (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.