Mission Bancorp (MSBC)
OTHER OTC:MSBC
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Mission Bancorp
(OTC:MSBC)
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Rating:79Outperform
Price Target:
$118.00
▲(24.53% Upside)
Action:ReiteratedDate:04/21/26
The score is driven primarily by strong fundamentals—especially improved capitalization/low leverage and solid profitability—along with a low P/E valuation. Technicals are supportive with the stock trading above major moving averages and moderate positive momentum.
Positive Factors
Strengthened capitalization / low leverage
A materially lower debt-to-equity ratio and larger equity base reduce financial risk and increase resilience to stress. This durable improvement enhances flexibility for loan growth, regulatory cushions, and reduces refinancing pressure, supporting sustainable operations over months to years.
Negative Factors
Net margin compression
A pronounced decline in net margin versus recent peaks suggests structural pressure from costs, pricing or competitive dynamics. If sustained, lower margins will reduce retained earnings and ROE, limiting capital accumulation and constraining reinvestment over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strengthened capitalization / low leverage
A materially lower debt-to-equity ratio and larger equity base reduce financial risk and increase resilience to stress. This durable improvement enhances flexibility for loan growth, regulatory cushions, and reduces refinancing pressure, supporting sustainable operations over months to years.
Read all positive factors
Mission Bancorp (MSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$285.93M
Dividend YieldN/A
Average Volume (3M)358.00
Price to Earnings (P/E)8.1
Beta (1Y)0.01
Revenue Growth6.53%
EPS Growth-10.80%
CountryUS
Employees23
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)10.93
Shares Outstanding2,764,978
10 Day Avg. Volume561
30 Day Avg. Volume358
Financial Highlights & Ratios
PEG Ratio-0.90
Price to Book (P/B)1.19
Price to Sales (P/S)2.32
P/FCF Ratio9.67
Enterprise Value/Market Cap0.51
Enterprise Value/Revenue1.37
Enterprise Value/Gross Profit1.86
Enterprise Value/Ebitda2.10
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
Mission Bancorp Business Overview & Revenue Model
Company Description
Mission Bancorp operates as the bank holding company for Mission Bank that provides various banking products and services to individual and corporate clients in California. It accepts various checking and savings, NOW, money market, fiduciary, and...
Mission Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 106.39M | 113.33M | 106.38M | 89.91M | 64.82M | 52.74M |
| Gross Profit | 78.36M | 80.37M | 78.36M | 74.70M | 61.59M | 50.45M |
| EBITDA | 69.28M | 38.27M | 42.70M | 42.71M | 34.34M | -242.00 |
| Net Income | 30.14M | 27.08M | 30.14M | 30.47M | 24.25M | 18.72M |
Balance Sheet | ||||||
| Total Assets | 1.88B | 1.90B | 1.88B | 1.65B | 1.50B | 1.52B |
| Cash, Cash Equivalents and Short-Term Investments | 292.44M | 153.76M | 292.44M | 147.27M | 130.34M | 356.44M |
| Total Debt | 21.93M | 11.99M | 21.93M | 41.86M | 21.79M | 21.72M |
| Total Liabilities | 1.69B | 1.68B | 1.69B | 1.50B | 1.37B | 1.40B |
| Stockholders Equity | 189.49M | 220.30M | 189.49M | 156.71M | 123.78M | 120.28M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 27.17M | 34.22M | 31.65M | 26.81M | 9.04M |
| Operating Cash Flow | 0.00 | 27.62M | 34.50M | 32.66M | 27.53M | 17.28M |
| Investing Cash Flow | 0.00 | -163.16M | -84.24M | -131.82M | -249.45M | -167.68M |
| Financing Cash Flow | 0.00 | -4.66M | 193.42M | 117.88M | -3.93M | 223.27M |
Mission Bancorp Technical Analysis
Positive
94.76
Price Trends
101.09
Positive
98.07
Positive
96.22
Positive
Market Momentum
0.43
Negative
57.40
Neutral
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MSBC, the sentiment is Positive. The current price of 94.76 is below the 20-day moving average (MA) of 101.77, below the 50-day MA of 101.09, and below the 200-day MA of 96.22, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 57.40 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MSBC.
Mission Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $285.93M | 8.05 | 13.06% | ― | 6.53% | -10.80% | |
79 Outperform | $318.29M | 10.89 | 11.67% | 2.91% | 6.74% | 20.50% | |
76 Outperform | $356.15M | 7.02 | 13.00% | 2.84% | 11.79% | 45.64% | |
69 Neutral | $305.02M | 11.74 | 2.92% | 1.48% | 3.75% | 27.35% | |
68 Neutral | $325.59M | 9.19 | 11.13% | 3.61% | 4.67% | 27.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $328.73M | 13.06 | 7.67% | 3.59% | 3.42% | 63.88% |
* Financial Sector Average
MSBC
Mission Bancorp
103.41
10.08
10.80%
PKBK
Parke Bancorp
30.36
11.64
62.20%
TSBK
Timberland Bancorp
40.37
10.58
35.53%
WSBF
Waterstone Financial
18.10
6.20
52.14%
JMSB
John Marshall Bancorp
21.46
4.90
29.60%
LNKB
LINKBANCORP
8.69
2.15
32.96%
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.