Today I'm reviewing a nano-cap bank - regional - US named Muncy Bank Financial Inc. It's trading ticker symbol is MYBF. MYBF isn't that a great friendly ticker?

Muncy Bank Financial Inc is a commercial bank. The Company provides commercial, mortgage, residential real estate, and consumer loan financing as well as providing deposit, investment and trust services to its customers.

It provides banking products and services to individuals and businesses in Pennsylvania. It accepts all kinds of deposits and the company has loan products including mortgage, home equity, vehicle, personal unsecured, and commercial loans, as well as business and real estate loans; and consumer loan financing.

Investment services are also offered, such as wealth transition, retirement accounts, college savings, insurance protection, portfolio analysis, brokerage services, tax-deferred investments, and tax-advantaged income; and wealth management and trust services such as estate administration, investment management services, guardianship, and IRA/retirement accounts, and various trusts. 

The bank also provides cash management services consisting of merchant and ACH origination services; and electronic banking and order check services. 

It operates five community banking offices in Pennsylvania. Muncy Bank Financial, Inc. was founded in 1893 and is based in Muncy, Pennsylvania.

I use three key data points to gauge the value of any dividend equity or fund like  Muncy Bank Financial Inc: 

(1) Price

(2) Dividends

(3) Returns

Besides those three, four more keys will finally unlock an equity or fund in which to invest.

But those first three primary keys, best tell whether a company has made, is making, and will make money. 

MYBF Price

Muncy's price per share was $34.70 at yesterday's market close. A year ago its price was $34.82 for a price slump of $0.12 per share.  

Assuming Muncy's price will trade in the range of $32 to $36 next year, Muncy's current $34.70 price could manage a $2.00 gain and grow to $36.70 by early-October, 2019. 

MYBF Dividends

Donegal's most recent quarterly dividend was $0.33 declared August 22nd and paid September 15th. 

At this most recent $0.33 quarterly rate, Donegal's annual dividend equals $1.32 yielding 3.85% at yesterday's closing $34.70 price.

Gains For MYBF?

Adding the $1.32 estimated annual dividend to my estimated $2.00 annual price upside for Muncy makes a $3.32 potential gross annual per share gain, which will be reduced by the costs to trade the shares.  

 A little over $1,000.00 invested today at the $34.70 recent price buys 29 Muncy Bank Financial Inc. shares. 

A $10 broker fee paid half at purchase and half at sale costs $0.34 per share

Subtracting that $0.34 brokerage cost from the estimated $3.32 gross annual gain leaves a net gain of $2.98 X 29 shares 

= $86.42

or an 8.6% net gain on a $1,006.30 investment.

Therefore, Muncy Bank Financial Inc., whose trading ticker symbol is MYBF, now shows a possible 8.6% net gain including a 3.85% dividend yield. 

No brokers cover this stock:

Thus, no consensus recommendation number is available. 

No price target is set by any brokers.

So, you could look at these few speculative numbers this way, Muncy Bank Financial Inc., whose trading ticker symbol is MYBF,  has made money, is making money, and could net a 8.6% to net annual gain including a 3.85% dividend yield. It could be more, it could be less. But its been in business since 1893. How long have you been around?

The above speculation is based on past year performance. Actual results remain to be seen. Those results will determine if Muncy Bank Financial Inc. is worth your time and money.