MNB Holdings Corporation (MNBO) Stock Analysis & Winston Score

MNB Holdings Corporation is a small regional bank holding company. It provides everyday banking services like checking and savings accounts, loans, and other financial products to individuals and local businesses. Regional banks like MNB typically serve customers in a specific geographic area rather than operating nationwide like large banks such as JPMorgan or Bank of America.

The company earns money primarily through the difference between interest it charges on loans and interest it pays on deposits, known as net interest income. With a market cap near zero and a slightly negative operating margin, MNB is a very small institution facing real profitability challenges. The main risk for a bank this size is that rising funding costs, thin margins, and limited scale make it difficult to compete against larger banks with more resources and technology.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+22.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+89.5% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

92.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$11M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

MNB Holdings Corporation is a rare growth stock that's already generating positive cash flow while growing at 23%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

37.4%

Excellent — 37.4% operating margin

ROCE

5.6%

Weak — 5.6% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+42.7%

Fast-growing sales (42.7% YoY)

EPS YoY

+54.4%

Earnings growing fast (54.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

69%

Modest — 69% of profit becomes cash

FCF Margin

14.9%

Converts sales into free cash efficiently (14.9%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.08

Conservative — low debt load (0.08)

Interest Cover

0.61x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

13.5x

no trend

Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial