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Mission Bancorp (MSBC)

USD105.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1301 17th Street 93301
Bakersfield, CA, US
CEO Andrew J. Antongiovanni
IPO 2005-02-17
CIK 1169483 ISIN US6050151066

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Description

Mission Bancorp acts as the holding company for Mission Bank, providing a comprehensive range of banking products and financial services to both individual and business clients throughout California. The bank accepts various deposit types, including checking, savings, NOW, money market, fiduciary, and individual retirement accounts, as well as time deposits and certificates of deposit. It offers a broad spectrum of commercial loans, such as revolving lines of credit, equipment and vehicle financing, permanent working capital, debt consolidation, commercial real estate loans, construction financing, and letters of credit. For the agricultural sector, Mission Bank provides specific financing options like operating and crop lines of credit, livestock loans, farm equipment loans, agricultural real estate loans, and tailored financial assistance for farmers. Additionally, the company facilitates Small Business Administration (SBA) loans for numerous objectives, including the purchase or construction of owner-occupied commercial properties, business expansion or acquisitions, partner or management buyouts, equipment procurement, debt refinancing, inventory acquisition, funding for furniture and machinery, covering business startup costs, and providing general working capital. Beyond lending, Mission Bank offers debit and credit cards, safe deposit box services, merchant card processing, advanced online cash management tools, remote deposit capture, treasury management solutions, and convenient online and mobile banking. They also provide cash vault services and assist with property exchange transactions. Established in 1998, Mission Bancorp operates nine full-service branch locations across California, including single facilities in Shafter, Ventura, San Luis Obispo, and Stockton, two branches in Bakersfield, and three within the Mojave Desert region. The company's headquarters are situated in Bakersfield, California.

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
USD105.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
519
Beta
0.04
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.90% +4.93% +5.46% +5.99% +17.45% +17.77% +14.73% +27.91% +57.58% +353.92% +3,054.46%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

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
105.00
DCF (Unlevered) 140.03 +33.4%
DCF (Levered) 174.58 +66.3%

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
0.37
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +6.5% Q1'26: +3.1% (vs Q1'25)
  • EPS growth
    -11.0% Q1'26: +2.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +38.0% (vs Q1'25)
  • ROIC
    Q1'26: +16.0% (vs Q1'25)
  • Share dilution
    +6.0% Q1'26: +10.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.28× (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 (0.01) × ERP
WACC = 96% × Ke + 4% × Kd (253.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 140.03 Current price: 105.00
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
2026-05-28 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-20 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-19 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-18 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-13 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-11 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-06 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-05 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-04 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-05-01 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-04-29 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-04-28 A- 4/5 4/5 4/5 4/5 3/5 3/5 2/5
2026-04-24 A- 4/5 4/5 4/5 5/5 3/5 3/5 2/5
2026-04-23 A- 4/5 4/5 4/5 5/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.38M
OE per share TTM
0.94
Owner's Yield
0.77%
Maintenance CapEx ratio
2.59%
Maint CapEx / Avg PPE
6.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
8.11M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 SIENA CAPITAL PARTNERS GP, LLC 86.2K +— (+0.0%) 8.11M +77.6K (+1.0%) 3.10% +0.005 pp 2.18% -0.122 pp USD76.65 +23.3% 28 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

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

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.66M
Shares Outstanding
3.01M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2021-04-15 D
2020-05-22 D
2003-04-02 15-15D
2003-04-01 NT 10-K
2003-04-01 10KSB
2003-03-31 8-K
2003-02-12 S-8
2002-11-07 10QSB
2002-08-19 10QSB
2002-08-14 NT 10-Q

Executive team

NameTitleCompensationGender
Andrew J. Antongiovanni President, Chief Executive Officer & Director male
Bryan Easterly Chief Banking Officer male
Esmeralda Rivas Chief Compliance & Audit Officer female
Jason Clifford Castle Chief Financial Officer & Chief Operating Officer male
Michael S. Congdon Chief Credit Officer & Assistant Secretary male
Miranda Whitworth Marketing Officer female
Rodney Maston Chief Accounting Officer
Ryan Alvord Treasurer male
Sheldon David Clifford Ralph Senior Vice President, Secretary & Chief Administrative Officer male
ESG Rating
B
BANKS - REGIONAL
2002
E (Environmental)
65.3 / 64.3
Company / Sector avg.
S (Social)
62.8 / 76.5
Company / Sector avg.
G (Governance)
62.8 / 75.5
Company / Sector avg.
ESG Total
63.6 / 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 history

Earnings reports

Stock splits