Magnolia Bancorp, Inc. (MGNO) Fair Value 2026

MGNO · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.4 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (14/100)

Quick Summary — As of 2026-08-27, Magnolia Bancorp, Inc. (MGNO) trades at $14.48. QOC: 5.4/10. Value Trap Risk: 14/100 (SAFE). 1/13 models active.

Key Facts

Ticker
MGNO
Price
$14.48
Quality Score
5.4/10
Value Trap Risk
14/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

What Fair Value Does Each Model Give MGNO?

1 Intrinsic Value Models vs. Current Price ($14.48)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $4.40 -69.6%

All Models Active

All 1 models are displayed above.

What Is Magnolia Bancorp, Inc. (MGNO) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Magnolia Bancorp, Inc.'s intrinsic value is estimated at $4.40, suggesting the stock is overvalued at its current price of $14.48. With 1 out of 1 models flagging downside (-69.6% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About MGNO?

1 of 13 models are currently active for MGNO. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does MGNO Rank in Banks - Regional?

Among 349 Banks - Regional stocks, MGNO ranks #336 by Quality of Company score. CirclFi's QOC score of 5.4/10 evaluates 32 fundamental signals. A score of 5.4 reflects mixed fundamentals.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Magnolia Bancorp, Inc. operates in a sector where cost-to-income ratio is a critical driver of valuation. Investors evaluating MGNO should weigh these sector-specific dynamics alongside our model-derived fair values.

Is MGNO a Value Trap?

CirclFi's Value Trap algorithm assigns MGNO a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Magnolia Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Magnolia Bancorp, Inc.'s fundamental quality profile registers 5.4/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every MGNO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across MGNO's 1 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Magnolia Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

PNBKPatriot National Bancorp, Inc.QOC 5.4BSPABallston Spa Bancorp, Inc.QOC 5.3FCBMFirst Carolina Financial Services, Inc.QOC 5.5BYFCBroadway Financial CorporationQOC 5.2CARVCarver Bancorp, Inc.QOC 5.7BMBNBenchmark Bankshares, Inc.QOC 5.1WBHCWilson Bank Holding CompanyQOC 8.4PGCPeapack-Gladstone Financial CorporationQOC 8.1BBTBeacon Financial CorporationQOC 7.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: PNBK · BSPA · FCBM · BYFC · CARV · BMBN · WBHC · PGC · BBT · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to MGNO?

7 companies across all industries closest to MGNO’s Quality of Company score of 5.4/10.

VIVCVivic Corp.QOC 5.4RYETRuanyun Edai Technology Inc.QOC 5.4CRTCross Timbers Royalty TrustQOC 5.4CDLXCardlytics, Inc.QOC 5.4MANEVeradermics, IncorporatedQOC 5.4SLXNSilexion Therapeutics CorpQOC 5.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: VIVC · RYET · CRT · CDLX · MANE · SLXN · NVDA

Where Does MGNO Sit in CirclFi's Banks - Regional Rankings?

MGNO is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Magnolia Bancorp, Inc.’s Valuation?

What is Magnolia Bancorp, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Magnolia Bancorp, Inc. (MGNO). The Quality of Company score is 5.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is MGNO overvalued or undervalued right now?

At $14.48, 0 of 1 active models suggest MGNO may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits Magnolia Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 5.4 mean for MGNO?

Magnolia Bancorp, Inc.'s QOC of 5.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on MGNO?

CirclFi analyzes MGNO with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is MGNO a value trap in 2026?

Magnolia Bancorp, Inc.'s Value Trap score is 14/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Magnolia Bancorp, Inc. (MGNO) a Quality of Company score of 5.4/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/MGNO/ · Methodology
Primary sources for this MGNO valuation
  • Financial statements: Magnolia Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002033615) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for MGNO as of ; valuations recomputed .