Mercer Bancorp, Inc. ^MSBB

Finances

	2024	2023	2022
Revenue	8.528 M ^{35.42 %}	6.297 M ^{18.54 %}	5.312 M
Net income	692.737 K ^{-6.89 %}	743.964 K ^{-21.16 %}	943.588 K
Income before tax	858.407 K ^{-6.43 %}	917.375 K ^{-19.29 %}	1.137 M
Income before tax ratio	0.10 ^{-30.90 %}	0.15 ^{-31.92 %}	0.21
EBITDA	1.224 M ^{-0.48 %}	1.230 M ^{-8.79 %}	1.349 M
Net income ratio	0.08 ^{-31.24 %}	0.12 ^{-33.49 %}	0.18
Ratio EBITDA	0.14 ^{-26.51 %}	0.20 ^{-23.06 %}	0.25
Gross profit ratio	0.69 ^{-23.20 %}	0.90 ^{-4.30 %}	0.95
Weighted average shs out dil	948.955 K ^{-7.24 %}	1.023 M ^{0.00 %}	1.023 M
Weighted average shs out	948.955 K ^{-7.24 %}	1.023 M ^{0.00 %}	1.023 M
EPS diluted	0.73 ^{0.00 %}	0.73 ^{-20.65 %}	0.92
Earnings per share	0.73 ^{0.00 %}	0.73 ^{-20.65 %}	0.92
Gross profit	5.926 M ^{4.01 %}	5.697 M ^{13.44 %}	5.022 M
Income tax expense	165.670 K ^{-4.46 %}	173.411 K ^{-10.17 %}	193.054 K
Cost of revenue	2.602 M ^{333.77 %}	599.872 K ^{106.94 %}	289.879 K
General and administrative expenses	2.670 M ^{13.65 %}	2.350 M ^{6.78 %}	2.200 M
Selling and marketing expenses	125.618 K ^{29.36 %}	97.111 K ^{-4.18 %}	101.346 K
Other expenses	2.271 M ^{-2.66 %}	2.333 M ^{47.31 %}	1.584 M
Operating expenses	5.067 M ^{6.01 %}	4.780 M ^{23.01 %}	3.886 M
Cost and expenses	7.669 M ^{42.56 %}	5.380 M ^{28.84 %}	4.176 M
Research and development expenses	0.000	0.000	0.000
Selling general and administrative expenses	2.796 M ^{14.27 %}	2.447 M ^{6.30 %}	2.302 M
Interest income	8.248 M ^{37.40 %}	6.003 M ^{30.63 %}	4.595 M
Interest expense	2.534 M ^{322.44 %}	599.872 K ^{126.47 %}	264.879 K
Depreciation and amortization	365.793 K ^{16.95 %}	312.774 K ^{47.47 %}	212.098 K
Operating income	858.407 K ^{-6.43 %}	917.375 K ^{-19.29 %}	1.137 M
Operating income ratio	0.10 ^{-30.90 %}	0.15 ^{-31.92 %}	0.21
Total other income expenses net	0.000	0.000	0.000
	2024	2023	2022


Net debt
Total investments
Total debt
Accumulated other comprehensive income loss
Retained earnings
Common stock
Total equity
Other non current liabilities
Long term debt
Total non current liabilities
Other current liabilities
Deferred revenue
Short term debt
Total current liabilities
Total liabilities
Other non current assets
Long term investments
Intangible assets
GoodWill
Goodwill and intangible assets
Property plant equipment net
Total non current assets
Other current assets
Short term investments
cash and cash equivalents
Cash and short term investments
Total current assets
Inventory
Net receivables
Tax assets
Other assets
Account payables
Tax payables
Deferred revenue non current
Minority interest
Capital lease obligations
Preferred stock
Other total stockholders equity
Deferred tax liabilities non current
Other liabilities
Total assets


Deferred income tax
Stock based compensation
Change in working capital
Accounts receivables
Inventory
Accounts payables
Other working capital
Other non cash items
Net cash provided by operating activities
Investments in property plant and equipment
Acquisitions net
Purchases of investments
Sales maturities of investments
Other investing activites
Net cash used for investing activites
Debt repayment
Common stock issued
Common stock repurchased
Dividends paid
Other financing activites
Net cash used provided by financing activities
Effect of forex changes on cash
Net change in cash
Cash at beginning of period
Cash at end of period
Operating cash flow
Capital expenditure
Free CashFlow

	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Revenue	2.441 M ^{2.82 %}	2.374 M ^{-1.23 %}	2.404 M ^{6.45 %}	2.258 M ^{0.61 %}	2.244 M
Net income	333.698 K ^{843.53 %}	35.367 K ^{-87.20 %}	276.308 K ^{12.56 %}	245.480 K ^{69.73 %}	144.630 K
Income before tax	427.240 K ^{887.47 %}	43.266 K ^{-87.47 %}	345.428 K ^{12.65 %}	306.639 K ^{81.47 %}	168.979 K
Income before tax ratio	0.18 ^{860.35 %}	0.02 ^{-87.32 %}	0.14 ^{5.83 %}	0.14 ^{80.36 %}	0.08
EBITDA	630.306 K ^{1 356.82 %}	43.266 K ^{-90.01 %}	433.081 K ^{9.19 %}	396.637 K ^{52.35 %}	260.354 K
Net income ratio	0.14 ^{817.61 %}	0.01 ^{-87.04 %}	0.11 ^{5.74 %}	0.11 ^{68.70 %}	0.06
Ratio EBITDA	0.26 ^{1 316.80 %}	0.02 ^{-89.89 %}	0.18 ^{2.57 %}	0.18 ^{51.42 %}	0.12
Gross profit ratio	0.72 ^{1.94 %}	0.71 ^{2.75 %}	0.69 ^{6.32 %}	0.65 ^{-2.94 %}	0.67
Weighted average shs out dil	936.828 K ^{-1.14 %}	947.649 K ^{-0.46 %}	952.044 K ^{0.16 %}	950.500 K ^{0.41 %}	946.588 K
Weighted average shs out	931.299 K ^{-1.73 %}	947.649 K ^{-0.46 %}	952.044 K ^{0.16 %}	950.500 K ^{0.41 %}	946.588 K
EPS diluted	0.36 ^{800.00 %}	0.04 ^{-86.21 %}	0.29 ^{11.54 %}	0.26 ^{73.33 %}	0.15
Earnings per share	0.36 ^{800.00 %}	0.04 ^{-86.21 %}	0.29 ^{11.54 %}	0.26 ^{73.33 %}	0.15
Gross profit	1.769 M ^{4.82 %}	1.688 M ^{1.48 %}	1.663 M ^{13.18 %}	1.470 M ^{-2.35 %}	1.505 M
Income tax expense	93.542 K ^{1 084.23 %}	7.899 K ^{-88.57 %}	69.120 K ^{13.02 %}	61.159 K ^{151.18 %}	24.349 K
Cost of revenue	671.912 K ^{-2.07 %}	686.148 K ^{-7.32 %}	740.372 K ^{-6.10 %}	788.456 K ^{6.63 %}	739.403 K
General and administrative expenses	746.426 K ^{14.21 %}	653.557 K ^{-2.13 %}	667.752 K ^{-2.18 %}	682.662 K ^{2.90 %}	663.446 K
Selling and marketing expenses	21.722 K ^{15.48 %}	18.810 K ^{-21.61 %}	23.995 K ^{-33.32 %}	35.984 K ^{55.01 %}	23.214 K
Other expenses	573.979 K ^{-40.98 %}	972.434 K ^{55.27 %}	626.274 K ^{40.91 %}	444.465 K ^{-31.56 %}	649.407 K
Operating expenses	1.342 M ^{-18.40 %}	1.645 M ^{24.79 %}	1.318 M ^{13.32 %}	1.163 M ^{-12.95 %}	1.336 M
Cost and expenses	2.014 M ^{-13.60 %}	2.331 M ^{13.24 %}	2.058 M ^{5.47 %}	1.952 M ^{-5.97 %}	2.075 M
Research and development expenses	0.000	0.000	0.000	0.000	0.000
Selling general and administrative expenses	768.148 K ^{14.25 %}	672.367 K ^{-2.80 %}	691.747 K ^{-3.74 %}	718.646 K ^{4.66 %}	686.660 K
Interest income	2.403 M ^{4.07 %}	2.309 M ^{-1.07 %}	2.334 M ^{1.66 %}	2.296 M ^{8.36 %}	2.118 M
Interest expense	633.912 K ^{-3.68 %}	658.148 K ^{-11.11 %}	740.372 K ^{-6.10 %}	788.456 K ^{17.43 %}	671.403 K
Depreciation and amortization	203.066 K	0.000 ^{-100.00 %}	87.653 K ^{-2.61 %}	89.998 K ^{-1.51 %}	91.375 K
Operating income	427.240 K ^{887.47 %}	43.266 K ^{-87.47 %}	345.428 K ^{12.65 %}	306.639 K ^{81.47 %}	168.979 K
Operating income ratio	0.18 ^{860.35 %}	0.02 ^{-87.32 %}	0.14 ^{5.83 %}	0.14 ^{80.36 %}	0.08
Total other income expenses net	0.000	0.000	0.000	0.000	0.000
	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30

	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Net debt	8.103 M ^{-26.95 %}	11.091 M ^{-38.61 %}	18.068 M ^{5.28 %}	17.161 M ^{31.01 %}	13.100 M
Total investments	162.003 M ^{-1.13 %}	163.862 M ^{-1.87 %}	166.984 M ^{0.09 %}	166.831 M ^{3.65 %}	160.957 M
Total debt	11.000 M ^{-35.29 %}	17.000 M ^{-22.73 %}	22.000 M ^{0.00 %}	22.000 M ^{10.00 %}	20.000 M
Accumulated other comprehensive income loss	-574.436 K ^{-10.65 %}	-519.129 K ^{1.46 %}	-526.811 K ^{-62.93 %}	-323.342 K ^{37.31 %}	-515.770 K
Retained earnings	17.017 M ^{2.00 %}	16.683 M ^{0.21 %}	16.648 M ^{1.69 %}	16.371 M ^{1.52 %}	16.126 M
Common stock	9.959 K ^{-1.80 %}	10.142 K ^{-0.85 %}	10.229 K ^{0.00 %}	10.229 K ^{0.00 %}	10.229 K
Total equity	24.073 M ^{0.73 %}	23.897 M ^{-0.82 %}	24.094 M ^{0.59 %}	23.953 M ^{1.82 %}	23.525 M
Other non current liabilities	2.021 M ^{65.85 %}	1.219 M ^{13.19 %}	1.077 M ^{-13.05 %}	1.238 M ^{1.27 %}	1.223 M
Long term debt	1.000 M ^{-94.12 %}	17.000 M ^{-22.73 %}	22.000 M ^{633.33 %}	3.000 M ^{-25.00 %}	4.000 M
Total non current liabilities	3.021 M ^{-83.42 %}	18.219 M ^{-21.05 %}	23.077 M ^{444.49 %}	4.238 M ^{-18.85 %}	5.223 M
Other current liabilities	139.864 M ^{0.77 %}	138.789 M ^{3.82 %}	133.679 M ^{-0.65 %}	134.557 M ^{2.01 %}	131.902 M
Deferred revenue	0.000	0.000	0.000	0.000	0.000
Short term debt	10.000 M	0.000	0.000 ^{-100.00 %}	19.000 M ^{18.75 %}	16.000 M
Total current liabilities	149.864 M ^{7.98 %}	138.789 M ^{3.82 %}	133.679 M ^{-12.94 %}	153.557 M ^{3.82 %}	147.902 M
Total liabilities	152.885 M ^{-2.63 %}	157.008 M ^{0.16 %}	156.756 M ^{-0.66 %}	157.795 M ^{3.05 %}	153.125 M
Other non current assets	6.201 M ^{-3.48 %}	6.425 M ^{3.04 %}	6.235 M ^{-2.23 %}	6.378 M ^{25.39 %}	5.086 M
Long term investments	157.111 M ^{-1.67 %}	159.787 M ^{-1.27 %}	161.834 M ^{0.29 %}	161.371 M ^{7.82 %}	149.671 M
Intangible assets	0.000	0.000	0.000	0.000	0.000
GoodWill	0.000	0.000	0.000	0.000	0.000
Goodwill and intangible assets	0.000	0.000	0.000	0.000	0.000
Property plant equipment net	4.802 M ^{29.08 %}	3.720 M ^{35.28 %}	2.750 M ^{0.69 %}	2.731 M ^{-0.58 %}	2.747 M
Total non current assets	168.511 M ^{-1.02 %}	170.244 M ^{-0.52 %}	171.138 M ^{0.22 %}	170.764 M ^{8.17 %}	157.866 M
Other current assets	0.000	0.000	0.000	0.000	0.000
Short term investments	4.893 M ^{20.06 %}	4.075 M ^{-20.87 %}	5.150 M ^{-5.69 %}	5.461 M ^{-51.61 %}	11.285 M
cash and cash equivalents	2.897 M ^{-50.97 %}	5.909 M ^{50.28 %}	3.932 M ^{-18.74 %}	4.839 M ^{-29.88 %}	6.900 M
Cash and short term investments	7.790 M ^{-21.97 %}	9.984 M ^{9.93 %}	9.082 M ^{-11.82 %}	10.299 M ^{-43.37 %}	18.186 M
Total current assets	8.447 M ^{-20.76 %}	10.661 M ^{9.77 %}	9.712 M ^{-11.59 %}	10.985 M ^{-41.52 %}	18.783 M
Inventory	0.000	0.000	0.000	0.000	0.000
Net receivables	657.181 K ^{-2.93 %}	677.024 K ^{7.43 %}	630.189 K ^{-8.07 %}	685.515 K ^{14.71 %}	597.633 K
Tax assets	396.701 K ^{27.05 %}	312.248 K ^{-1.83 %}	318.053 K ^{12.16 %}	283.564 K ^{-21.49 %}	361.189 K
Other assets	0.000	0.000	0.000	0.000	0.000
Account payables	0.000	0.000	0.000	0.000	0.000
Tax payables	0.000	0.000	0.000	0.000	0.000
Deferred revenue non current	0.000	0.000	0.000	0.000	0.000
Minority interest	0.000	0.000	0.000	0.000	0.000
Capital lease obligations	0.000	0.000	0.000	0.000	0.000
Preferred stock	0.000	0.000	0.000	0.000	0.000
Other total stockholders equity	7.621 M ^{-1.33 %}	7.723 M ^{-3.01 %}	7.963 M ^{0.87 %}	7.895 M ^{-0.12 %}	7.904 M
Deferred tax liabilities non current	0.000	0.000	0.000	0.000	0.000
Other liabilities	0.000	0.000	0.000	0.000	0.000
Total assets	176.958 M ^{-2.18 %}	180.905 M ^{0.03 %}	180.850 M ^{-0.49 %}	181.748 M ^{2.89 %}	176.649 M
	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30

	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Deferred income tax	-69.751 K ^{-1 954.09 %}	3.762 K ^{-80.80 %}	19.598 K ^{-25.97 %}	26.474 K ^{142.26 %}	-62.643 K
Stock based compensation	42.759 K	0.000 ^{-100.00 %}	68.539 K ^{274.20 %}	18.316 K	0.000
Change in working capital	1.025 M ^{540.47 %}	-232.815 K ^{-1 454.21 %}	17.192 K ^{134.95 %}	-49.193 K ^{-166.60 %}	73.861 K
Accounts receivables	19.843 K ^{142.37 %}	-46.835 K ^{-184.65 %}	55.326 K ^{162.95 %}	-87.882 K ^{-184.47 %}	-30.893 K
Inventory	0.000	0.000	0.000	0.000	0.000
Accounts payables	0.000	0.000	0.000	0.000	0.000
Other working capital	1.006 M ^{640.73 %}	-185.980 K ^{-387.70 %}	-38.134 K ^{-198.57 %}	38.689 K ^{-63.07 %}	104.754 K
Other non cash items	138.534 K ^{-55.41 %}	310.696 K ^{164.30 %}	-483.185 K ^{67.07 %}	-1.467 M ^{49.45 %}	-2.902 M
Net cash provided by operating activities	1.674 M ^{1 330.47 %}	117.010 K ^{942.10 %}	-13.895 K ^{98.78 %}	-1.136 M ^{57.21 %}	-2.655 M
Investments in property plant and equipment	-1.281 M ^{-31.99 %}	-970.149 K ^{-835.87 %}	-103.663 K ^{-43.64 %}	-72.168 K ^{38.09 %}	-116.576 K
Acquisitions net	0.000	0.000	0.000	0.000	0.000
Purchases of investments	0.000	0.000 ^{100.00 %}	-277.432 K ^{55.73 %}	-626.731 K ^{33.26 %}	-939.123 K
Sales maturities of investments	174.989 K ^{-84.99 %}	1.166 M ^{636.81 %}	158.269 K ^{-84.94 %}	1.051 M ^{-10.79 %}	1.178 M
Other investing activites	1.626 M ^{-1.08 %}	1.644 M ^{1 546.61 %}	99.829 K ^{102.09 %}	-4.774 M ^{14.09 %}	-5.556 M
Net cash used for investing activites	520.472 K ^{-71.71 %}	1.840 M ^{1 595.80 %}	-122.997 K ^{97.22 %}	-4.422 M ^{18.63 %}	-5.434 M
Debt repayment	-6.000 M ^{-20.00 %}	-5.000 M	0.000 ^{-100.00 %}	2.000 M ^{-71.43 %}	7.000 M
Common stock issued	0.000	0.000	0.000	0.000	0.000
Common stock repurchased	-145.751 K	0.000	0.000	0.000	0.000
Dividends paid	0.000	0.000	0.000	0.000	0.000
Other financing activites	1.075 M ^{-77.92 %}	4.870 M ^{654.79 %}	-877.800 K ^{-133.06 %}	2.655 M ^{7 455.46 %}	-36.097 K
Net cash used provided by financing activities	-5.071 M ^{-3 799.31 %}	-130.039 K ^{85.19 %}	-877.800 K ^{-118.86 %}	4.655 M ^{-33.15 %}	6.964 M
Effect of forex changes on cash	0.000	0.000	0.000	0.000	0.000
Net change in cash	-2.876 M ^{-257.46 %}	1.827 M ^{280.03 %}	-1.015 M ^{-12.40 %}	-902.768 K ^{19.79 %}	-1.126 M
Cash at beginning of period	6.710 M ^{37.41 %}	4.883 M ^{-17.21 %}	5.898 M ^{-13.28 %}	6.800 M ^{-14.20 %}	7.926 M
Cash at end of period	3.833 M ^{-42.87 %}	6.710 M ^{37.41 %}	4.883 M ^{-17.21 %}	5.898 M ^{-13.28 %}	6.800 M
Operating cash flow	1.674 M ^{1 330.47 %}	117.010 K ^{942.10 %}	-13.895 K ^{98.78 %}	-1.136 M ^{57.21 %}	-2.655 M
Capital expenditure	-1.281 M ^{-31.99 %}	-970.149 K ^{-835.87 %}	-103.663 K ^{-43.64 %}	-72.168 K ^{38.09 %}	-116.576 K
Free CashFlow	393.274 K ^{146.10 %}	-853.139 K ^{-625.72 %}	-117.558 K ^{90.27 %}	-1.208 M ^{56.41 %}	-2.772 M
	2025	2025	2024	2024	2024

Date	Form 10K
2024	https://www.sec.gov/Archives/edgar/data/1967306/000155837025000202/tmb-20240930x10k.htm
2023	https://www.sec.gov/Archives/edgar/data/1967306/000155837023020031/tmb-20230930x10k.htm
2022

Mercer Bancorp, Inc. MSBB

Finances

Mercer Bancorp, Inc. ^MSBB