This company is no longer publicly traded

Delisted / no longer publicly traded (per market data provider) Any Winston Score and financials shown below are based on the last available data and should be treated as historical — they are no longer updated.

Delisted: April 1, 2026

Morris State Bancshares

MBLU

Banks - Regional · Financial Services

Price

$25.00

+0.00 (+0.00%)

Market Cap

$265.9M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+1.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 10.5M (2021) → 10.6M (2025)

Morris State Bancshares is a small regional bank holding company based in Georgia. It operates through its subsidiary, Morris Bank, which offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses in rural and community markets across central and eastern Georgia.

The company makes money primarily through net interest income — it collects interest on loans and mortgages while paying lower interest on deposits, keeping the difference as profit. With a market cap of around $300 million, it is a community-focused institution competing against larger national banks by relying on local relationships and personalized service as its main competitive edge. The key risk facing Morris State is its exposure to the local Georgia economy, where a slowdown in small business activity or rising loan defaults could pressure earnings, especially given the currently negative return on invested capital.

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

+13.3% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+15.4% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

33.6%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$0 cash & investments

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

Growth + cash flow

Morris State Bancshares is a rare growth stock that's already generating positive cash flow while growing at 13%. 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

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Quality

Gross Margin

73.3%

Premium pricing power — 73.3% gross margin

Operating Margin

33.6%

Excellent — 33.6% operating margin

ROCE

3.9%

Weak — 3.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+15.4%

Fast-growing sales (15.4% YoY)

EPS YoY

+25.6%

Earnings growing fast (25.6% YoY)

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

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.02

Conservative — low debt load (0.02)

Interest Cover

1.32x

Dangerous — barely covers interest (1.3x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

10.0x

Attractive valuation — P/E 10.0

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

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Dividends

Dividend Yield

3.76%

Moderate income — 3.76% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+63.8%

Dividend growing fast (63.8% YoY)

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