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Mercer Bancorp, Inc. (MSBB)

USD20.06 +0.01 (+0.05%)
US OTC Financial Services Banks - Regional
Address 1100 Irmscher Boulevard 45822
Celina, OH, US
CEO Alvin Barry Parmiter
IPO 2023-07-27
CIK 1967306 ISIN US58774N1019

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Also trades on Other OTC · JOCM (USD) Other OTC · MSBB (USD)
Description

Mercer Bancorp, Inc. serves as the parent company for Mercer Savings Bank, offering a comprehensive array of financial products and services to individuals and businesses across western Ohio. The institution accepts various deposit accounts, including checking, savings, and certificates of deposit. Its diverse loan portfolio features mortgages for one- to four-family residences and multifamily properties, agricultural and commercial real estate loans, along with construction and land financing. Additionally, they provide home equity lines of credit, commercial and industrial loans, consumer loans, and indirect automobile loans. The company also invests in securities and facilitates convenient online and mobile banking. Established in 1888, its main office is situated in Celina, Ohio.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD20.06 +0.01 (+0.05%)
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Volume Profile
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Liquidity & share structure
Average Volume
845
Beta
0.10
Float Shares
916.6K
Free Float %
90.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.26% +9.51% +13.37% +20.63% +20.63% +29.69% +46.15% +46.15% +46.15% +46.15%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
20.06
DCF (Unlevered) 2,747.75 +13,597.7%
DCF (Levered) 2,703.98 +13,379.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.09
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
2 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +11.2% Q1'26: +2.6% (vs Q1'25)
  • EPS growth
    +42.5% Q1'26: +726,125.0% (vs Q1'25)
  • FCF margin
    Q1'26: +15,278.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +13.8% (vs Q1'25)
  • ROIC
    Q1'26: +0.0% (vs Q1'25)
  • Share dilution
    -1.3% Q1'26: -1.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.55× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.04) × ERP
WACC = 75% × Ke + 25% × Kd (44.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2,747.74 Current price: 20.06
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-11 B+ 3/5 1/5 5/5 2/5 3/5 4/5 4/5
2026-06-10 B+ 3/5 1/5 5/5 2/5 3/5 4/5 4/5
2026-06-09 B+ 3/5 1/5 5/5 2/5 3/5 4/5 4/5
2026-06-08 B+ 3/5 1/5 5/5 2/5 3/5 4/5 4/5
2026-06-03 A 4/5 1/5 5/5 5/5 3/5 4/5 4/5
2026-06-02 A 4/5 1/5 5/5 5/5 3/5 4/5 4/5
2026-05-21 B- 3/5 1/5 2/5 2/5 1/5 4/5 5/5
2026-05-15 B- 3/5 1/5 2/5 2/5 1/5 4/5 5/5
2026-05-13 C- 1/5 1/5 2/5 2/5 1/5 1/5 1/5
2026-05-04 B+ 3/5 1/5 1/5 2/5 4/5 5/5 5/5
2026-05-01 B+ 3/5 1/5 2/5 3/5 3/5 5/5 5/5
2026-04-29 B+ 3/5 1/5 2/5 3/5 3/5 5/5 5/5
2026-04-28 B+ 3/5 1/5 2/5 3/5 3/5 5/5 5/5
2026-04-27 B+ 3/5 1/5 2/5 3/5 3/5 5/5 5/5
2026-04-24 B+ 3/5 1/5 2/5 3/5 3/5 4/5 5/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
722.04M
OE per share TTM
770.73
Owner's Yield
4,080.55%
Maintenance CapEx ratio
0.04%
Maint CapEx / Avg PPE
35.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Employee Stock Ownership Plan Trust 81.8K 8.00% 81.8K 81.8K EP Ohio 2024-01-26
2 Mercer Savings Bank Employee Stock Ownership Plan Trust 81.5K 7.90% EP OHIO 2026-02-06

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
10
Sells
0
Shares acquired
74.5K
Shares disposed
Cash buys
Cash sales
Net activity
+74,473
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-04-01 Parmiter Alvin B Director / Officer A-Award A Stock Options 25,574 14.00 358.0K 25,574 D
2025-04-01 Moorman Ryan Officer A-Award A Stock Options 5,115 14.00 71.6K 5,115 D
2025-04-01 Crum Sherman Officer A-Award A Stock Options 5,115 14.00 71.6K 5,115 D
2025-04-01 Bransteter Trever A Officer A-Award A Common Stock 2,864 0.00 4,864 D
2025-04-01 Bigham Timothy L Officer A-Award A Common Stock 4,092 0.00 4,092 D
2025-02-26 Keiser David L Director A-Award A Stock Options 5,114 14.20 72.6K 5,114 D
2025-02-26 Fee Kristin M Director A-Award A Stock Options 5,114 14.20 72.6K 5,114 D
2025-02-26 Faller Jose W Director A-Award A Common Stock 2,045 0.00 10,545 D
2025-02-26 Boley Michael J Director A-Award A Common Stock 2,045 0.00 17,045 D
2024-07-09 Crum Sherman Officer Common Stock 0 0.00 0 D

Executive team

Top executives
EBIT / Employee
47.2K
Shares Outstanding
1.01M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 Barry Parmiter President and Chief Executive Officer 201.4K 29.3K 143.2K 126.6K 21.0K 521.5K 51.74%
2 2025 Trever A. Bransteter Senior Vice President of Mortgage Lending 90.8K 3.0K 40.1K 35.4K 113.0K 20.5K 302.9K 24.94%
3 2025 Timothy L. Bigham Senior Vice President of Operations 84.3K 12.3K 57.3K 50.6K 9.2K 213.7K 50.50%
4 2024 Barry Parmiter President and Chief Executive Officer 195.0K 29.3K 17.5K 241.8K 0.00%
5 2024 Trever A. Bransteter Senior Vice President of Mortgage Lending 87.6K 107.1K 13.2K 207.9K 0.00%
6 2024 Timothy L. Bigham Senior Vice President of Operations 80.9K 10.0K 7.3K 98.3K 0.00%
7 2023 Barry Parmiter President and Chief Executive Officer 189.8K 19.3K 2.1K 211.2K 0.00%
8 2023 Trever A. Bransteter Senior Vice President of Mortgage Lending 82.5K 69.9K 6.1K 158.6K 0.00%
9 2023 Timothy L. Bigham Senior Vice President of Operations 84.9K 13.5K 3.9K 102.3K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-01-13 DEF 14A
2025-01-22 DEF 14A
2024-01-17 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-12 10-Q
2026-02-20 8-K
2026-02-13 10-Q
2026-02-06 SC 13G/A
2026-01-13 DEF 14A
2026-01-13 ARS
2025-12-19 10-K
2025-08-14 10-Q
2025-06-20 8-K
2025-05-15 10-Q

Executive team

NameTitleCompensationGender
Alvin Barry Parmiter President, Chief Executive Officer & Director 251.7K male
Trever A. Bransteter Senior Vice President of Mortgage Lending 227.4K male
Timothy L. Bigham Senior Vice President of Operations 105.8K male
Jose W. Faller Independent Director & Corporate Secretary 21.0K male
Ryan Moorman Senior Vice President of Indirect Lending male
Sherman Crum Principal Financial Officer & Accounting Officer and Controller male
ESG Rating
B
BANKS - REGIONAL
Rank: 215 out of 435
2026
E (Environmental)
62.0 / 64.3
Company / Sector avg.
S (Social)
74.0 / 76.5
Company / Sector avg.
G (Governance)
69.0 / 75.5
Company / Sector avg.
ESG Total
68.3 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings reports

Stock splits