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Financial Services - Banks - Regional - OTC - US
$ 16.25
0.567 %
$ 46.9 M
Market Cap
26.58
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one MSVB stock under the worst case scenario is HIDDEN Compared to the current market price of 16.2 USD, Mid-Southern Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one MSVB stock under the base case scenario is HIDDEN Compared to the current market price of 16.2 USD, Mid-Southern Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one MSVB stock under the best case scenario is HIDDEN Compared to the current market price of 16.2 USD, Mid-Southern Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart MSVB

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$16.4$16.4$16.2$16.2$16.0$16.0$15.8$15.8$15.6$15.6$15.4$15.4$15.2$15.2$15.0$15.0$14.8$14.8$14.6$14.6$14.4$14.4Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
323 K REVENUE
-96.37%
-9.74 M OPERATING INCOME
-453.89%
-7.13 M NET INCOME
-489.42%
1.54 M OPERATING CASH FLOW
-52.28%
103 M INVESTING CASH FLOW
994.86%
-43.3 M FINANCING CASH FLOW
-839.62%
2.98 M REVENUE
136.02%
929 K OPERATING INCOME
108.80%
460 K NET INCOME
15.00%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet Mid-Southern Bancorp, Inc.
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Current Assets 75.2 M
Cash & Short-Term Investments 0
Receivables 0
Other Current Assets 75.2 M
Non-Current Assets 0
Long-Term Investments 0
PP&E 1.9 M
Other Non-Current Assets -1.9 M
100.00 %Total Assets$75.2m
Current Liabilities 80.5 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 80.5 M
Non-Current Liabilities 0
Long-Term Debt 0
Other Non-Current Liabilities 0
100.00 %Total Liabilities$80.5m
EFFICIENCY
Earnings Waterfall Mid-Southern Bancorp, Inc.
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Revenue 323 K
Cost Of Revenue 323 K
Gross Profit 0
Operating Expenses 6.93 M
Operating Income -9.74 M
Other Expenses -2.61 M
Net Income -7.13 M
2m2m00(2m)(2m)(4m)(4m)(6m)(6m)(8m)(8m)(10m)(10m)323k(323k)0(7m)(10m)3m(7m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
0.00% GROSS MARGIN
0.00%
-3014.24% OPERATING MARGIN
-3014.24%
-2206.19% NET MARGIN
-2206.19%
-19.32% ROE
-19.32%
-3.15% ROA
-3.15%
135.26% ROIC
135.26%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Mid-Southern Bancorp, Inc.
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4m4m3m3m3m3m2m2m2m2m1m1m500k500k0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -7.13 M
Depreciation & Amortization 0
Capital Expenditures -18 K
Stock-Based Compensation 0
Change in Working Capital -503 K
Others 8.66 M
Free Cash Flow 1.52 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Mid-Southern Bancorp, Inc.
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MSVB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.38% DIVIDEND YIELD
0.06 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.2500000.2500000.2000000.2000000.1500000.1500000.1000000.1000000.0500000.0500000.0000000.0000000.020.020.030.040.060.060.060.0255750.020.020.030.040.060.060.020.020.030.040.060.060.020.090.020.080.020.100.040.150.060.220.060.240.060.180.000.00201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Mid-Southern Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Mid-Southern Bancorp, Inc. Announces its Quarterly Cash Dividend SALEM, Ind., July 26, 2023 (GLOBE NEWSWIRE) -- Mid-Southern Bancorp, Inc. (“Company”) (Nasdaq:MSVB), the holding company for Mid-Southern Savings Bank, FSB (“Bank”), announced that its Board of Directors declared a quarterly cash dividend of $0.06 per share on the Company's outstanding common stock. The cash dividend will be payable on August 25, 2023 to shareholders of record as of the close of business on August 11, 2023. The declaration and payment of future dividends to holders of the Company's common stock will be at the discretion of the Board of Directors, and will depend upon many factors, including the Company's financial condition, earnings, capital requirements of its businesses, legal requirements, regulatory constraints, industry practice, and other factors that the Board of Directors deems relevant. globenewswire.com - 1 year ago
Mid-Southern Bancorp, Inc. Reports Results of Operations for the Second Quarter Ended June 30, 2023 SALEM, Ind., July 24, 2023 (GLOBE NEWSWIRE) -- Mid-Southern Bancorp, Inc. (the “Company”) (NASDAQ: MSVB), the holding company for Mid-Southern Savings Bank, FSB (the “Bank”), reported net income for the second quarter ended June 30, 2023 of $400,000 or $0.14 per diluted share compared to $526,000 or $0.19 per diluted share for the same period in 2022. For the six months ended June 30, 2023, the Company reported net income of $740,000 or $0.27 per diluted share compared to $993,000 or $0.36 per diluted share for the same period in 2022. globenewswire.com - 1 year ago
Mid-Southern Bancorp, Inc. Reports Results of Operations for the Second Quarter of 2021 SALEM, Ind., July 26, 2021 (GLOBE NEWSWIRE) -- Mid-Southern Bancorp, Inc. (the “Company”) (NASDAQ: MSVB), the holding company for Mid-Southern Savings Bank, FSB (the “Bank”), reported net income for the second quarter ended June 30, 2021 of $397,000 or $0.13 per diluted share compared to $342,000 or $0.10 per diluted share for the same period in 2020. For the six months ended June 30, 2021, the Company reported net income of $775,000 or $0.26 per diluted share compared to $727,000 or $0.22 per diluted share for the same period in 2020. globenewswire.com - 3 years ago
Mid-Southern Bancorp, Inc. Reports Results of Operations for the Fourth Quarter and Year Ended December 31, 2020 SALEM, Ind., Feb. 22, 2021 (GLOBE NEWSWIRE) -- Mid-Southern Bancorp, Inc. (the “Company”) (NASDAQ: MSVB), the holding company for Mid-Southern Savings Bank, FSB (the “Bank”), reported net income for the fourth quarter ended December 31, 2020 of $200,000 or $0.07 per diluted share compared to $196,000 or $0.06 per diluted share for the same period in 2019. For the year ended December 31, 2020, the Company reported net income of $1.2 million or $0.38 per diluted share compared to $960,000 or $0.29 per diluted share for the same period in 2019. globenewswire.com - 4 years ago
A $150 Billion Pile of Frozen Loans Starts to Worry U.S. Banks A $150 Billion Pile of Frozen Loans Starts to Worry U.S. Banks investing.com - 5 years ago
SBA pressured to fix PPP blind spots on race and gender Lawmakers are pushing for better data on who's receiving loans in hopes that more funds will be directed to lenders that serve women- and minority-owned businesses. americanbanker.com - 5 years ago
Stock market live Tuesday: Dow ends negative, gives up 900-point rally, Goldman not buying Stocks erased all their earlier gains as tech and staples rolled over and pushed the Dow into negative territory, ruining a 900-point rally. cnbc.com - 5 years ago
With billions at stake, banks try to save stunned borrowers NEW YORK (AP) — Tarred as villains during the 2008 financial meltdown, banks of all sizes are trying to help out Americans reeling from the economic crisis caused by the coronavirus... apnews.com - 5 years ago
MID-SOUTHERN Sv/SH (OTCMKTS:MSVB) & Capital City Bank Group (OTCMKTS:CCBG) Head to Head Comparison Capital City Bank Group (NASDAQ:CCBG) and MID-SOUTHERN Sv/SH (OTCMKTS:MSVB) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, earnings, risk, dividends, profitability and analyst recommendations. Analyst Recommendations This is a summary of current ratings for Capital City Bank […] thelincolnianonline.com - 5 years ago
8. Profile Summary

Mid-Southern Bancorp, Inc. MSVB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 46.9 M
Dividend Yield 0.38%
Description Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services to individuals and business customers. It accepts various deposit products, including checking, savings, money market, and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by first mortgages on one- to four-family residences, including home equity loans and lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences; commercial and multifamily real estate loans; land and lot loans; commercial business loans; consumer loans, including new and used manufactured homes, automobiles and truck, boats, and motorcycles and recreational vehicle loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The company provides its products and services through its main office in Salem; and through its branch offices located in Mitchell and Orleans, Indiana, as well as through loan production offices located in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.
Contact 300 North Water Street, Salem, IN, 47167 https://www.mid-southern.com
IPO Date Oct. 26, 1999
Employees 40
Officers Thomas Lamb Senior Vice President & Personal Banking Manager Mr. James O. King III Executive Vice President & Senior Lending Officer Mr. Robert W. DeRossett Chief Financial Officer Ms. Erica B. Schmidt Executive Vice President, Corporate Secretary & Treasurer Mr. Alexander G. Babey President, Chief Executive Officer & Director