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Mifflinburg Bancorp, Inc. (MIFF)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 15 | 17 | 18 | 18 | 8 | 9 | 21 |
| Operating profit | $m | 7 | 6 | |||||
| Net profit | $m | 5 | 5 | 6 | 6 | 4 | 4 | 4 |
| EPS reported | $ | 2.40 | 2.18 | |||||
| Operating cashflow per share | $ | 3.02 | 1.90 | |||||
| Capex per share | $ | 0.10 | 0.02 | |||||
| FCF per share | $ | 2.91 | 1.87 | |||||
| Free cash flow | $m | 5 | 3 | |||||
| Net debt | $m | 25 | 6 | |||||
| Book value equity | $m | 56 | 57 | |||||
| Book value per share | $ | 29.89 | 30.73 | |||||
| Number of shares | m | 1.87 | 1.86 | |||||
| DPS (TTM paid) | $ | 1.47 | 1.51 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 10.42 | - | |||||
| P/B LTM | x | 0.83 | 0.85 | |||||
| P/S LTM | x | 5.28 | 2.30 | |||||
| P/FCF LTM | x | 8.58 | 13.87 | |||||
| EV/EBITDA LTM | x | 12.18 | 15.08 | |||||
| EV/Sales LTM | x | 3.83 | 2.56 | |||||
| Earnings Yield LTM | % | 9.60% | 7.50% | |||||
| FCF Yield | % | 11.66% | 7.21% | |||||
| Quality | ||||||||
| ROE | % | 8.01% | 6.28% | |||||
| ROIC | % | 1.38% | 0.68% | |||||
| Operating margin | % | 35.36% | 39.57% | |||||
| Gross margin | % | 100.00% | 80.32% | |||||
| FCF/Sales | % | 29.05% | 26.21% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +7.14% | -7.63% | |||||
| Sales Growth YoY | % | +4.52% | -7.75% | |||||
| Net Income Growth YoY | % | +7.90% | -7.81% | |||||
| FCF Growth | % | -2.69% | - | |||||
| Operating Profit Growth | % | -3.10% | +6.09% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 5.80% | 5.84% | |||||
| Dividend Growth | % | +2.80% | +2.72% | |||||
| Payout Ratio | % | 60.14% | 60.14% | |||||
| FCF/Debt | x | 0.13 | 0.63 | |||||
| Net Debt/EBITDA | x | 4.25 | -6.04 | |||||
| EBIT/Net interest | x | 0.67 | 0.00 | |||||
| Net debt/market cap | % | 53.56% | 11.38% | |||||
| Net debt/Equity | x | 0.45 | 0.10 | |||||
| Gross debt/equity | x | 0.77 | 0.10 | |||||
Company overview
Mifflinburg Bancorp, Inc. functions as the holding company for Mifflinburg Bank and Trust Company, offering a comprehensive suite of commercial banking products and services. Its financial offerings include essential banking services like checking and savings accounts, along with certificates of deposit. Lending options are extensive, covering home mortgages, personal loans, auto financing, medical/professional practice loans, agricultural loans, and support for non-profit organizations. Beyond core banking, the company provides various ancillary services such as lines of credit, overdraft facilities, and credit cards. Business clients benefit from merchant card processing, lockbox services, and remote deposit capture, while general services extend to CD file storage, secure safe and night deposit boxes, automated transfers, notary services, stop payment orders, and wire transfers. For investment needs, clients can access retirement planning, college savings strategies, life insurance products, brokerage services, and in-depth investment analysis. Modern convenience is assured through its online and mobile banking platforms. With a physical footprint of 8 branches and 15 ATMs, Mifflinburg Bancorp, Inc. has served its community since its establishment in 1872, operating from its base in Mifflinburg, Pennsylvania.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Mifflinburg Bancorp, Inc. (MIFF)
Mifflinburg Bancorp, Inc. functions as the holding company for Mifflinburg Bank and Trust Company, offering a comprehensive suite of commercial banking products and services. Its financial offerings include essential banking services like checking and savings accounts, along with certificates of deposit. Lending options are extensive, covering home mortgages, personal loans, auto financing, medical/professional practice loans, agricultural loans, and support for non-profit organizations. Beyond core banking, the company provides various ancillary services such as lines of credit, overdraft facilities, and credit cards. Business clients benefit from merchant card processing, lockbox services, and remote deposit capture, while general services extend to CD file storage, secure safe and night deposit boxes, automated transfers, notary services, stop payment orders, and wire transfers. For investment needs, clients can access retirement planning, college savings strategies, life insurance products, brokerage services, and in-depth investment analysis. Modern convenience is assured through its online and mobile banking platforms. With a physical footprint of 8 branches and 15 ATMs, Mifflinburg Bancorp, Inc. has served its community since its establishment in 1872, operating from its base in Mifflinburg, Pennsylvania.
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