Morris State Bancshares (MBLU) AI Stock Analysis

• Market Cap: $269.02M
• Dividend Yield: 2.42%
• Average Volume (3M): 540.00
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.13
• Revenue Growth: 14.67%
• EPS Growth: 21.55%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 10,582,874
• 10 Day Avg. Volume: 249
• 30 Day Avg. Volume: 540
• PEG Ratio: 0.87
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 4.02
• P/FCF Ratio: 8.19
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 3.83
• Enterprise Value/Gross Profit: 5.50
• Enterprise Value/Ebitda: 12.82
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $29.00 ▲(16.33% Upside)
• Action: Reiterated Date: 11/22/25
• Date: Action: Reiterated 11/22/25

Morris State Bancshares receives a strong overall score driven by its solid financial performance and attractive valuation. The technical analysis supports a positive outlook, though caution is advised due to overbought signals. The absence of earnings call and corporate events data does not detract from the company's strong fundamentals.

Positive Factors

Revenue Growth

Consistent revenue growth highlights the company's ability to expand its market presence and effectively attract and retain customers, ensuring long-term business sustainability.

Cash Flow Management

Effective cash flow management reflects strong cash generation capabilities, providing the company with the flexibility to invest in growth opportunities and withstand economic fluctuations.

Balance Sheet Health

A strong balance sheet with low leverage reduces financial risk and enhances the company's ability to navigate economic uncertainties, supporting long-term financial stability.

Negative Factors

Return on Equity Fluctuations

Fluctuating return on equity can indicate inconsistent use of shareholder funds, potentially impacting investor confidence and the company's ability to attract new investment.

Limited Earnings Call Data

The absence of earnings call data limits transparency and investor insight into management's strategic direction and operational performance, potentially affecting investor confidence.

Industry Overbought Conditions

Potential overbought conditions in the industry could lead to market corrections, affecting stock performance and investor sentiment in the medium term.

Morris State Bancshares Business Overview & Revenue Model

Company Description

Morris State Bancshares, Inc. operates as the bank holding company for Morris Bank that provides various financial services to individuals and small businesses in Georgia. The company provides checking, savings, NOW, and individual retirement accounts; demand, savings, and other time deposits; and CDARS and ICS. It also offers personal, home, auto, construction and development, commercial, real estate, agricultural, working capital, industrial, and consumer installment loans; equipment and home mortgage financing; and letters of credit. In addition, it provides cash management and merchant services; debit/ATM and credit cards, gift cards, safe deposit boxes, and order checks; and online, mobile, and telephone banking, and people pay and lock services. The company was founded in 1954 and is headquartered in Dublin, Georgia.

How the Company Makes Money

Morris State Bancshares generates revenue primarily through interest income from loans and fees associated with its banking services. The company earns interest income by providing various loan products to customers, which typically includes personal loans, mortgages, and small business loans, with the interest rates being a significant source of revenue. Additionally, MBLU collects service fees on accounts, transaction fees, and charges for overdrafts, contributing to its non-interest income. The bank may also engage in wealth management services, earning fees from investment advisory services and asset management. Strategic partnerships with local businesses and organizations further enhance its customer base, driving additional revenue streams through collaborative financial solutions.

Morris State Bancshares Financial Statement Overview

Summary

Morris State Bancshares demonstrates strong financial health with consistent revenue and profit growth, a solid equity position, and effective cash management. The income statement, balance sheet, and cash flow metrics all indicate a robust financial foundation.

Income Statement

Morris State Bancshares demonstrates a strong income statement with consistent revenue growth and improving profitability. The gross profit margin remains stable as expected in the banking industry since the revenue is primarily interest and fee income. The net profit margin has shown positive trends, with net income growth over the years, indicating efficient cost management. EBIT and EBITDA margins are strong, reflecting operational efficiency despite the absence of EBITDA figures for the latest year. Overall, the company displays a robust financial performance.

Balance Sheet

The balance sheet of Morris State Bancshares reflects a solid equity position with a healthy equity ratio, suggesting financial stability. The debt-to-equity ratio is low, indicating conservative leverage practices which reduce financial risk. Return on equity shows fluctuations but maintains a positive trajectory, indicating effective use of shareholder funds. The balance sheet is strong, with ample cash reserves, providing a buffer against economic uncertainties.

Cash Flow

Cash flow analysis for Morris State Bancshares indicates a healthy operating cash flow, consistently exceeding net income, which is a positive indicator of cash-based profitability. The free cash flow has grown over the years, showcasing strong cash generation capabilities. Despite fluctuations in investing and financing cash flows, the company maintains a positive free cash flow to net income ratio. Overall, the cash flow statement reflects a strong financial position with effective cash management strategies.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	70.02M	59.37M	77.17M	66.73M	63.00M	59.06M
Gross Profit	48.75M	59.37M	55.96M	55.35M	57.10M	49.30M
EBITDA	20.89M	23.02M	23.07M	23.76M	27.81M	22.77M
Net Income	17.06M	21.80M	19.33M	21.11M	23.96M	17.41M
Balance Sheet
Total Assets	1.55B	1.49B	1.42B	1.43B	1.41B	1.25B
Cash, Cash Equivalents and Short-Term Investments	116.19M	94.86M	40.28M	39.37M	407.30M	262.07M
Total Debt	19.64M	19.80M	28.28M	50.36M	29.99M	29.32M
Total Liabilities	1.35B	1.30B	1.25B	1.26B	1.26B	1.12B
Stockholders Equity	202.92M	195.60M	178.13M	164.94M	148.26M	129.42M
Cash Flow
Free Cash Flow	0.00	29.14M	26.65M	22.14M	31.03M	22.45M
Operating Cash Flow	0.00	29.51M	26.87M	22.55M	31.57M	23.11M
Investing Cash Flow	0.00	-28.29M	-13.80M	-137.11M	-139.68M	-187.74M
Financing Cash Flow	0.00	44.07M	-23.78M	-1.41M	134.87M	220.12M

Morris State Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 24.93
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MBLU, the sentiment is Neutral. The current price of 24.93 is below the 20-day moving average (MA) of 25.74, below the 50-day MA of 25.12, and above the 200-day MA of 23.14, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 44.34 is Neutral, neither overbought nor oversold. The STOCH value of 11.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MBLU.

Morris State Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MBLU	78 Outperform	$269.02M	9.98	11.57%	2.42%	14.67%	21.55%
PKBK	76 Outperform	$325.02M	8.82	11.15%	2.84%	12.91%	21.72%
FDBC	72 Outperform	$258.89M	9.02	11.95%	3.61%	17.97%	68.34%
WNEB	72 Outperform	$265.37M	17.10	5.51%	2.18%	7.37%	27.35%
MBCN	68 Neutral	$272.39M	14.09	9.73%	2.39%	7.13%	48.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%