Maui Land & Pineapple Co Inc
Maui Land & Pineapple Co Inc operates as a commercial bank, providing financial services and managing real estate investments in Hawaii, with a focus on land development and water resources.
Business. MAUI LAND & PINEAPPLE CO INC (MLP) is a commercial bank operating within the Banking Services industry group. The company is headquartered in the United States and is primarily listed on the New York Stock Exchange under the ticker symbol MLP. Specific details regarding its operating segments and geographic revenue mix are not available.
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
MAUI LAND & PINEAPPLE CO INC (MLP) is a commercial bank operating within the Banking Services industry group. The company is headquartered in the United States and is primarily listed on the New York Stock Exchange under the ticker symbol MLP. Specific details regarding its operating segments and geographic revenue mix are not available.
Maui Land & Pineapple Co Inc has a liquidity position that is considered low, with a current ratio of 1.38 and a cash and equivalents balance of $3.85 million. The company's price-to-book ratio is 10.82, indicating that the market value is significantly higher than the book value, which may suggest overvaluation or market optimism about future earnings potential.
The company's profitability is currently negative, with a net loss of $2.06 million and an operating loss of $2.02 million in Q1 2026. The return on equity is -6.42%, and the return on assets is -4.3%, both of which are below the industry norms for commercial banks. This indicates that the company is not generating returns that meet the expectations of its shareholders or asset base.
Maui Land & Pineapple Co Inc's revenue is primarily concentrated in the state of Hawaii, with a significant portion derived from real estate investments and water resources. The company's exposure to the local economy and tourism sector makes it vulnerable to regional economic downturns and natural disasters, such as the Maui wildfires in 2023.
The company's growth trajectory is uncertain, with a net loss in the most recent quarter and a negative operating cash flow. The outlook for the current fiscal year is not provided, but the company faces challenges in completing land development projects within forecasted time and budget expectations, as well as risks related to construction delays and labor shortages.
The risk assessment for Maui Land & Pineapple Co Inc includes a medium level of dilution risk, with the diluted share count being moderately above the basic share count. The company has a low liquidity risk, but it is subject to various financial covenants, including a minimum liquidity requirement of $2.0 million and a maximum total liabilities limit of $45.0 million.
Recent events affecting the company include the issuance of ASU 2024-03 by the FASB, which requires additional expense disaggregation disclosures. The company has also faced the impact of the Maui wildfires in 2023, which could affect its business operations and financial condition. The company's forward-looking statements are subject to various risks and uncertainties, including natural disasters, macroeconomic conditions, and real estate market fluctuations.
- Maui Land & Pineapple Co Inc is currently experiencing a net loss and negative operating cash flow, indicating financial distress.
- The company's liquidity position is low, with a current ratio of 1.38 and a cash and equivalents balance of $3.85 million.
- The company's profitability is below industry norms, with a return on equity of -6.42% and a return on assets of -4.3%.
- The company's revenue is heavily concentrated in Hawaii, making it vulnerable to regional economic downturns and natural disasters.
- The company faces challenges in completing land development projects within forecasted time and budget expectations.
- The company has a medium level of dilution risk, with the diluted share count being moderately above the basic share count.
Bull / Bear case
Generated · model-assistedThe company maintains a zero debt-to-equity ratio, indicating a debt-free balance sheet structure.
Total assets grew at a 9.0% compound annual growth rate over the last five years.
The firm holds a current ratio of 1.236, suggesting adequate short-term liquidity coverage.
Liquidity risk is assessed as low, providing a stable operational foundation for the business.
Net income deteriorated to a loss of $7.4 million in fiscal year 2025.
Operating income plummeted 61.7% year-over-year to a loss of $7.4 million in FY2025.
The stock trades at a high price-to-book multiple of 10.82 despite negative profitability.
In focus — financials by report
Revenue $3.4M; Operating income -$2.0M.
- ▍Revenue $3.4M
- ▍Operating income -$2.0M
- ▍Net margin -60.5%
Revenue $14.9M; Operating income -$2.8M.
- ▍Revenue $14.9M
- ▍Operating income -$2.8M
- ▍Net margin -62.9%
Revenue $10.4M; Operating income -$2.5M.
- ▍Revenue $10.4M
- ▍Operating income -$2.5M
- ▍Net margin -92.6%
Revenue $19.5M; Operating income -$4.5M.
- ▍Revenue $19.5M
- ▍Operating income -$4.5M
- ▍Net margin -54.4%
Revenue $11.6M; Operating income -$7.4M.
- ▍Revenue $11.6M
- ▍Operating income -$7.4M
- ▍Net margin -63.9%
Revenue $11.6M; Operating income -$7.4M.
- ▍Revenue $11.6M
- ▍Operating income -$7.4M
- ▍Net margin -63.9%
Revenue $10.9M; Operating income -$3.3M.
- ▍Revenue $10.9M
- ▍Operating income -$3.3M
- ▍Net margin -28.2%
Revenue $9.3M; Operating income -$5.0M.
- ▍Revenue $9.3M
- ▍Operating income -$5.0M
- ▍Net margin -33.2%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Diluted share count is moderately above the basic share count.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
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- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Return On Equitynet_income / total_equity
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Market Capmarket_price * shares_outstanding_diluted
- Ev To Revenueenterprise_value / revenue
- MAUI LAND & PINEAPPLE CO INC company facts · 2026-05-28
- MAUI LAND & PINEAPPLE CO INC 10-Q 2026-05-15 · 2026-05-28
- MAUI LAND & PINEAPPLE CO INC 10-K 2026-04-01 · 2026-05-28
- MAUI LAND & PINEAPPLE CO INC 10-Q 2025-11-14 · 2026-05-28
- MAUI LAND & PINEAPPLE CO INC 10-Q 2025-08-14 · 2026-05-28
Ownership & reference
Insider activity
- CFO · Common StockOther 640 · 2026-07-06
- CEO · Common StockOther 3 437 · 2026-07-06
- Director · Common StockOther 50 800 · 2026-05-20
- CEO · Common StockOther 32 000 · 2026-05-20
- CEO · Common StockOther 2 990 · 2026-04-07
- CFO · Common StockOther 640 · 2026-04-07
- Director · Common StockOther 5 804 · 2026-03-03
- CFO · Common StockOther 7 344 · 2026-03-03
- CFO · Common StockOther 3 499 · 2026-03-03
- Director · Common StockOther 5 188 · 2026-03-03
- CEO · Common StockOther 24 610 · 2026-03-03
- CEO · Common StockOther 18 008 · 2026-03-03
- CEO · Common StockOther 24 612 · 2026-03-03
- Director · Common StockOther 12 056 · 2026-03-03
- Director · Common StockOther 5 804 · 2026-03-03
- Director, 10% owner · Common StockOther 5 060 · 2026-03-03
- Director · Common StockOther 5 656 · 2026-03-03
- Director · Common StockOther 5 956 · 2026-03-03
- CFO · Common StockOther 695 · 2026-01-08
- Director, 10% owner · Common StockBought 300 @ $17,00$5K · 2025-12-12
- Director · Common StockOther 1 964 @ $16,75$33K · 2025-12-11
- Director, 10% owner · Common StockBought 5 000 @ $16,79$84K · 2025-12-11
- Director · Common StockOther 3 000 @ $16,77$50K · 2025-12-10
- Director, 10% owner · Common StockBought 450 @ $16,29$7K · 2025-12-09
- Director · Common StockOther 2 000 @ $16,79$34K · 2025-12-09
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): -42.1%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -12.1%Derived (calculated)
- Net margin (FY 2025-12-31): -54.4%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): -4.3%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): -0.4%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 68.2%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 38.2%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 460.8%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -43.1%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -22.5%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 0.45xDerived (calculated)
- Return on equity (FY 2025-12-31): -32.0%Derived (calculated)
- Return on assets (FY 2025-12-31): -22.1%Derived (calculated)
- Current ratio (FY 2025-12-31): 1.24xDerived (calculated)
- Total assets (annual): USD 47.97MSEC XBRL filing
- Shareholders' equity (annual): USD 33.06MSEC XBRL filing
- Operating cash flow (annual): USD 2.08MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES -1SEC XBRL filing
- Operating income (annual): USD -4.55MSEC XBRL filing
- Total liabilities (annual): USD 14.9MSEC XBRL filing
- Current liabilities (annual): USD 7.36MSEC XBRL filing
- Cash & equivalents (annual): USD 5.29MSEC XBRL filing
- Shares outstanding (annual): 19.76MSEC XBRL filing
- Current assets (annual): USD 9.1MSEC XBRL filing