ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Mercantile Bank Corp. ?
1
High Profitability with a Net Interest Margin of 7.50%
2
Positive results in Dec 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT MARGIN(Q) Highest at 33.11 %
3
With ROA of 0.81%, it has a fair valuation with a 1.15 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 14.47%, its profits have risen by 0.2% ; the PEG ratio of the company is 8.9
4
High Institutional Holdings at 70.1%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.89% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Mercantile Bank Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Mercantile Bank Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Mercantile Bank Corp.
14.47%
1.38
27.86%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.36%
EBIT Growth (5y)
10.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.44%
Pledged Shares
0
Institutional Holding
70.10%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.15
EV to EBIT
12.21
EV to EBITDA
11.19
EV to Capital Employed
1.09
EV to Sales
3.33
PEG Ratio
8.91
Dividend Yield
NA
ROCE (Latest)
8.96%
ROE (Latest)
12.89%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT MARGIN(Q)
Highest at 33.11 %
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 12.32 MM
CASH AND EQV(HY)
Lowest at USD 113.35 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.25%
Here's what is working for Mercantile Bank Corp.
Operating Profit Margin
Highest at 33.11 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Mercantile Bank Corp.
Operating Cash Flow
Lowest at USD 12.32 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 113.35 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 91.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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