What is Merchants Financial Group, Inc. (MFGI) stock price today?

Merchants Financial Group, Inc. (MFGI) is currently trading at $41.05, up 0.12% today.

What is MFGI P/E ratio?

Merchants Financial Group, Inc.'s P/E ratio is 9.77. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is MFGI return on equity (ROE)?

Merchants Financial Group, Inc.'s return on equity (ROE) is 11.29%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Merchants Financial Group, Inc.'s market cap?

Merchants Financial Group, Inc. has a market capitalization of $335.74M.

OTC · Banks - Regional

Merchants Financial Group, Inc. (MFGI) Stock

$41.05 +0.12% OTC: MFGI Financial Services

Merchants Financial Group, Inc. (MFGI) functions as the parent entity for Merchants Bank, National Association.

Valuation

Metric	Value
Price	$41.05
Market Cap	$335.74M
P/E Ratio	9.77
P/B Ratio	1.08
P/S Ratio	2.04
EPS (TTM)	$4.20
52-Week High	$41.05
52-Week Low	$24.50
Dividend Yield	2.14%

Financials & Margins

Metric	Value
ROE	11.29%
ROA	1.17%
ROCE	11.20%
Gross Margin	76.72%
Operating Margin	25.75%
Net Margin	20.76%
Debt/Equity	0.10
Current Ratio	0.09

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$127.0M	$122.0M	$144.0M	$162.0M	$174.0M
Operating Profit	$39.0M	$41.0M	$34.0M	$24.0M	$41.0M
Net Profit	$29.0M	$30.0M	$26.0M	$19.0M	$32.0M
EPS	$3.65	$3.85	$3.23	$2.34	$4.02
Op Margin	30.9%	33.5%	23.6%	15.0%	23.5%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$2.8B	$2.6B	$2.6B	$2.8B	$2.9B
Total Liabilities	$2.6B	$2.3B	$2.3B	$2.5B	$2.6B
Cash	$849.0M	$227.0M	$39.0M	$178.0M	$242.0M
Borrowings	$56.0M	$53.0M	$36.0M	$40.0M	$45.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$45.0M	$57.0M	$34.0M	$37.0M	$11.0M
Investing Cash Flow	$65.0M	$-436.0M	$-218.0M	$-50.0M	$-25.0M
Financing Cash Flow	$326.0M	$-264.0M	$12.0M	$155.0M	$97.0M
Net Cash Flow	$426.0M	$-616.0M	$-188.0M	$139.0M	$65.0M
Free Cash Flow	$35.0M	$39.0M	$29.0M	$36.0M	$10.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.14
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	68.52%
Return 3Y	67.11%
Return 5Y	93.87%

Ownership

Insiders Held0.00%

Institutions Held4.13%

Institutions Float Held4.13%

Institutional Holder	Shares	Report Date
Siena Capital Partners GP, LLC	209,160	2026-03-31
Cutler Capital Management, LLC	126,950	2026-03-31
PL Capital Advisors, LLC	1,380	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AAPLApple Inc.	$313.33	+0.29%	37.72	$4.60T	0.34%
MSFTMicrosoft Corporation	$499.99	+0.03%	22.95	$3.71T	0.94%
GOOGLAlphabet Inc.	$354.30	-0.96%	27.68	$4.29T	0.23%
AMZNAmazon.com, Inc.	$274.48	+0.82%	28.76	$2.95T	0.00%
METAMeta Platforms, Inc.	$592.10	+0.37%	21.47	$1.51T	0.35%

About Merchants Financial Group, Inc.

Merchants Financial Group, Inc. (MFGI) functions as the parent entity for Merchants Bank, National Association. Through its subsidiary, it delivers a broad array of financial products and services tailored for individuals, households, and businesses across the United States. The institution's core offerings include diverse account options such as checking, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs). Additionally, customers can access various card services, including debit, gift, travel, and credit cards. For personal financing needs, MFGI extends credit for vehicles like cars, boats, trailers, motorcycles, tractors, and RVs, as well as for home furnishings or appliances, and debt consolidation. Its comprehensive lending portfolio further encompasses mortgage, construction, home equity, and term loans, alongside financing solutions for commercial and residential real estate, equipment, floor plans, fleet vehicles, and small businesses. Specialized agricultural financing is also available, covering working capital, input expenses, machinery, and property enhancements for farming operations. Beyond these, the company delivers investment and trust services, sophisticated treasury management solutions, and convenient mobile and online banking platforms. The bank maintains a physical presence through branches situated across numerous communities. These include Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, Cannon Falls, Red Wing, Hampton, Hastings, Apple Valley, Lakeville, Cottage Grove, Rosemount, and Northfield in Minnesota, as well as Onalaska and Eau Claire in Wisconsin. Established in 1875, MFGI's corporate headquarters are located in Winona, Minnesota.

Merchants Financial Group, Inc. is headquartered in US.

Merchants Financial Group, Inc. (MFGI) stock trades at $41.05 with a market capitalization of $335.74M. The stock is valued at a price-to-earnings (P/E) ratio of 9.77, price-to-book of 1.08, price-to-sales of 2.04. Over the past 52 weeks the stock has ranged between $24.50 and $41.05, and currently trades at its 52-week high. It pays a dividend yielding 2.14%.

On profitability, Merchants Financial Group, Inc. generates a return on equity (ROE) of 11.29%, return on capital employed of 11.20%, an operating margin of 25.75%, a net profit margin of 20.76%.

Official website: www.merchantsbank.com