Morris State Bancshares (MBLU)
OTHER OTC:MBLU
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Morris State Bancshares
(OTC:MBLU)
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Rating:79Outperform
Price Target:
$29.00
â–²(16.33% Upside)
Action:ReiteratedDate:03/25/26
The score is driven primarily by strong financial performance, highlighted by solid profitability and a very conservative balance sheet. Valuation is supportive with a low P/E and a moderate dividend yield, while technicals add a modest tailwind given the price is above key moving averages and momentum remains positive.
Positive Factors
Conservative balance sheet
A materially lower debt-to-equity ratio signals durable financial conservatism that reduces insolvency risk and increases strategic optionality. Low leverage supports capital flexibility for lending, dividend payments, or M&A, and helps the bank withstand rate or credit-cycle stress over the medium term.
Negative Factors
Volatile revenue growth
Material swings in revenue reduce earnings predictability and complicate asset-liability and capital planning. For a regional bank, sensitivity to rate and credit cycles can produce uneven margins and loan demand, making multi-quarter forecasting and strategic allocation more uncertain.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
A materially lower debt-to-equity ratio signals durable financial conservatism that reduces insolvency risk and increases strategic optionality. Low leverage supports capital flexibility for lending, dividend payments, or M&A, and helps the bank withstand rate or credit-cycle stress over the medium term.
Read all positive factors
Morris State Bancshares (MBLU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$268.54M
Dividend Yield2.42%
Average Volume (3M)540.00
Price to Earnings (P/E)10.4
Beta (1Y)0.11
Revenue Growth14.67%
EPS Growth21.55%
CountryUS
Employees140
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding10,582,874
10 Day Avg. Volume249
30 Day Avg. Volume540
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)1.25
Price to Sales (P/S)2.63
P/FCF Ratio8.72
Enterprise Value/Market Cap1.01
Enterprise Value/Revenue3.87
Enterprise Value/Gross Profit5.56
Enterprise Value/Ebitda12.98
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 acco...
How the Company Makes Money
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Morris State Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 70.02M | 100.75M | 59.37M | 77.17M | 66.73M | 63.00M |
| Gross Profit | 48.75M | 71.47M | 59.37M | 55.96M | 55.35M | 57.10M |
| EBITDA | 20.89M | 34.93M | 23.02M | 23.07M | 23.76M | 27.81M |
| Net Income | 17.06M | 26.49M | 21.80M | 19.33M | 21.11M | 23.96M |
Balance Sheet | ||||||
| Total Assets | 1.55B | 1.55B | 1.49B | 1.42B | 1.43B | 1.41B |
| Cash, Cash Equivalents and Short-Term Investments | 116.19M | 0.00 | 94.86M | 40.28M | 39.37M | 407.30M |
| Total Debt | 19.64M | 5.26M | 19.80M | 28.28M | 50.36M | 29.99M |
| Total Liabilities | 1.35B | 1.34B | 1.30B | 1.25B | 1.26B | 1.26B |
| Stockholders Equity | 202.92M | 212.36M | 195.60M | 178.13M | 164.94M | 148.26M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 30.38M | 29.14M | 26.65M | 22.14M | 31.03M |
| Operating Cash Flow | 0.00 | 33.58M | 29.51M | 26.87M | 22.55M | 31.57M |
| Investing Cash Flow | 0.00 | -71.45M | -28.29M | -13.80M | -137.11M | -139.68M |
| Financing Cash Flow | 0.00 | 34.88M | 44.07M | -23.78M | -1.41M | 134.87M |
Morris State Bancshares Technical Analysis
Positive
24.93
Price Trends
24.82
Positive
24.36
Positive
23.30
Positive
Market Momentum
0.24
Negative
58.15
Neutral
52.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MBLU, the sentiment is Positive. The current price of 24.93 is above the 20-day moving average (MA) of 24.61, above the 50-day MA of 24.82, and above the 200-day MA of 23.30, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 58.15 is Neutral, neither overbought nor oversold. The STOCH value of 52.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MBLU.
Morris State Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $268.54M | 10.38 | 12.91% | 2.42% | 14.67% | 21.55% | |
74 Outperform | $349.58M | 7.77 | 12.02% | 2.84% | 12.91% | 21.72% | |
73 Outperform | $273.83M | 8.93 | 12.56% | 3.61% | 17.97% | 68.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $283.45M | 12.15 | 5.51% | 2.18% | 7.37% | 27.35% |
* Financial Sector Average
MBLU
Morris State Bancshares
25.38
5.83
29.84%
PKBK
Parke Bancorp
29.80
12.84
75.68%
WNEB
Western New England Bancorp
13.99
6.23
80.38%
FDBC
Fidelity D & D Bancorp
46.58
8.20
21.38%
FBLA
FB Bancorp, Inc.
14.15
3.90
38.05%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.