Magnolia Bancorp, Inc. (MGNO) intrinsic value & 10-year financials

Magnolia Bancorp, Inc. (MGNO) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 4 fiscal years revenue shrank 13.4% a year to $6.0K, with an average return on invested capital of -0.4%.

Graham intrinsic value
—
Share price (Oct 17, 2026)
$14.77
Revenue (FY2025)
$6.0K
Revenue growth (4-yr CAGR)
-13.4%
ROIC (10-yr avg)
-0.4%
Free cash flow (FY2025)
-$486.0K

MGNO 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2025 $6.0K -$170.0K — -$486.0K — -1.0%
FY2024 $9.0K -$100.0K — -$470.0K — -0.7%
FY2023 $8.0K $86.0K — -$53.0K — 0.6%
FY2022 — — — — — —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

Magnolia Bancorp, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.

Magnolia Bancorp, Inc. has historically struggled to out-earn its cost of capital, averaging just -0.4% ROIC.

Magnolia Bancorp, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, Magnolia Bancorp, Inc. is modeled at -13.4% normalized earnings growth with a 5.1% bond-yield adjustment.

MGNO stock: frequently asked questions

Does Magnolia Bancorp, Inc. generate free cash flow?

Magnolia Bancorp, Inc. generated -$486.0K of free cash flow (operating cash flow minus capital expenditures) in fiscal 2025. Free cash flow was positive in 0 of the last 3 reported years.

What is MGNO's return on invested capital?

Average ROIC over the last 4 fiscal years was -0.4%, and average return on equity was -0.4%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this MGNO data come from?

From Magnolia Bancorp, Inc.'s annual 10-K filings on SEC EDGAR, most recently filed May 12, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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