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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.08
MBCN's Cash to Debt is ranked higher than
75% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MBCN: 1.08 )
MBCN' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 1.08

Equity to Asset 0.09
MBCN's Equity to Asset is ranked higher than
69% of the 1742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBCN: 0.09 )
MBCN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.09

0.06
0.1
Interest Coverage 1.72
MBCN's Interest Coverage is ranked higher than
73% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MBCN: 1.72 )
MBCN' s 10-Year Interest Coverage Range
Min: 0.14   Max: 1.72
Current: 1.72

0.14
1.72
F-Score: 6
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 33.78
MBCN's Operating margin (%) is ranked higher than
81% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. MBCN: 33.78 )
MBCN' s 10-Year Operating margin (%) Range
Min: -281.57   Max: 34.55
Current: 33.78

-281.57
34.55
Net-margin (%) 26.52
MBCN's Net-margin (%) is ranked higher than
84% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. MBCN: 26.52 )
MBCN' s 10-Year Net-margin (%) Range
Min: 10.52   Max: 177.82
Current: 26.52

10.52
177.82
ROE (%) 12.86
MBCN's ROE (%) is ranked higher than
90% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. MBCN: 12.86 )
MBCN' s 10-Year ROE (%) Range
Min: 4.96   Max: 14.2
Current: 12.86

4.96
14.2
ROA (%) 1.07
MBCN's ROA (%) is ranked higher than
85% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MBCN: 1.07 )
MBCN' s 10-Year ROA (%) Range
Min: 0.35   Max: 1.23
Current: 1.07

0.35
1.23
ROC (Joel Greenblatt) (%) 96.32
MBCN's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. MBCN: 96.32 )
MBCN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -113.59   Max: 97.38
Current: 96.32

-113.59
97.38
Revenue Growth (%) -0.80
MBCN's Revenue Growth (%) is ranked higher than
70% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MBCN: -0.80 )
MBCN' s 10-Year Revenue Growth (%) Range
Min: -0.8   Max: 90.1
Current: -0.8

-0.8
90.1
EBITDA Growth (%) 34.50
MBCN's EBITDA Growth (%) is ranked higher than
94% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MBCN: 34.50 )
MBCN' s 10-Year EBITDA Growth (%) Range
Min: -12.7   Max: 44.3
Current: 34.5

-12.7
44.3
EPS Growth (%) 29.40
MBCN's EPS Growth (%) is ranked higher than
91% of the 1361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MBCN: 29.40 )
MBCN' s 10-Year EPS Growth (%) Range
Min: -23.5   Max: 41.8
Current: 29.4

-23.5
41.8
» MBCN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with MBCN

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Ratios

vs
industry
vs
history
P/E(ttm) 9.50
MBCN's P/E(ttm) is ranked higher than
89% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MBCN: 9.50 )
MBCN' s 10-Year P/E(ttm) Range
Min: 7.02   Max: 21.01
Current: 9.5

7.02
21.01
P/B 1.14
MBCN's P/B is ranked higher than
70% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MBCN: 1.14 )
MBCN' s 10-Year P/B Range
Min: 0.61   Max: 2.27
Current: 1.14

0.61
2.27
P/S 2.53
MBCN's P/S is ranked higher than
77% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. MBCN: 2.53 )
MBCN' s 10-Year P/S Range
Min: 1.15   Max: 27.95
Current: 2.53

1.15
27.95
PFCF 10.41
MBCN's PFCF is ranked higher than
65% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. MBCN: 10.41 )
MBCN' s 10-Year PFCF Range
Min: 3.57   Max: 94.81
Current: 10.41

3.57
94.81
EV-to-EBIT 6.22
MBCN's EV-to-EBIT is ranked higher than
93% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. MBCN: 6.22 )
MBCN' s 10-Year EV-to-EBIT Range
Min: 4.2   Max: 45.8
Current: 6.22

4.2
45.8
PEG 0.26
MBCN's PEG is ranked higher than
95% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. MBCN: 0.26 )
MBCN' s 10-Year PEG Range
Min: 0.23   Max: 3.38
Current: 0.26

0.23
3.38
Shiller P/E 13.49
MBCN's Shiller P/E is ranked higher than
86% of the 1097 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.30 vs. MBCN: 13.49 )
MBCN' s 10-Year Shiller P/E Range
Min: 6.81   Max: 17.49
Current: 13.49

6.81
17.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.13
MBCN's Dividend Yield is ranked higher than
67% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. MBCN: 3.13 )
MBCN' s 10-Year Dividend Yield Range
Min: 0.86   Max: 6.82
Current: 3.13

0.86
6.82
Dividend Payout 0.30
MBCN's Dividend Payout is ranked higher than
64% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. MBCN: 0.30 )
MBCN' s 10-Year Dividend Payout Range
Min: 0.2   Max: 1.86
Current: 0.3

0.2
1.86
Yield on cost (5-Year) 1.60
MBCN's Yield on cost (5-Year) is ranked lower than
68% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. MBCN: 1.60 )
MBCN' s 10-Year Yield on cost (5-Year) Range
Min: 0.43   Max: 3.42
Current: 1.6

0.43
3.42
Share Buyback Rate -8.70
MBCN's Share Buyback Rate is ranked higher than
60% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. MBCN: -8.70 )
MBCN' s 10-Year Share Buyback Rate Range
Min: 0   Max: -8.7
Current: -8.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
MBCN's Price/Tangible Book is ranked higher than
71% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MBCN: 1.23 )
MBCN' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 2.16
Current: 1.23

0.71
2.16
Price/DCF (Projected) 0.49
MBCN's Price/DCF (Projected) is ranked higher than
81% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. MBCN: 0.49 )
MBCN' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.01
Current: 0.49

0.31
1.01
Price/Median PS Value 1.13
MBCN's Price/Median PS Value is ranked higher than
70% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MBCN: 1.13 )
MBCN' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 11.39
Current: 1.13

0.54
11.39
Price/Peter Lynch Fair Value 0.38
MBCN's Price/Peter Lynch Fair Value is ranked higher than
95% of the 594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MBCN: 0.38 )
MBCN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 2.7
Current: 0.38

0.3
2.7
Price/Graham Number 0.73
MBCN's Price/Graham Number is ranked higher than
82% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MBCN: 0.73 )
MBCN' s 10-Year Price/Graham Number Range
Min: 0.48   Max: 1.29
Current: 0.73

0.48
1.29
Earnings Yield (Greenblatt) 16.10
MBCN's Earnings Yield (Greenblatt) is ranked higher than
93% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MBCN: 16.10 )
MBCN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 23.7
Current: 16.1

2.2
23.7
Forward Rate of Return (Yacktman) 43.32
MBCN's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. MBCN: 43.32 )
MBCN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.8   Max: 46.8
Current: 43.32

5.8
46.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Middlefield Banc Corp. was incorporated in 1988 under the Ohio General Corporation Law. It is a two-bank and a one non-bank holding company. The Company's three subsidiaries are: The Middlefield Banking Company (MBC) - engages in a general commercial banking business in northeastern Ohio; Emerald Bank (EB) - engages in a general commercial banking business in central Ohio; and EMORECO - engages in the resolution and disposition of troubled assets in central Ohio. MBC offers its customers a broad range of banking services, including checking, savings, and negotiable order of withdrawal (NOW) accounts; money market accounts; time certificates of deposit, commercial loans, real estate loans, and various types of consumer loans; safe deposit facilities, and travelers' checks. MBC offers online banking and bill payment services to individuals and online cash management services to business customers through its website. EB operates as a separate commercial bank subsidiary of the Company, offering essentially the same range of products and services in central Ohio as MBC does in northeastern Ohio. MBC's market area consists principally of Geauga, Portage, Trumbull, and Ashtabula Counties. EB's two offices are located in Franklin County, serving the central Ohio market. EMORECO's market area is the same as the Banks. Organized as an Ohio corporation under the name EMORECO, Inc. and wholly owned by the Company, the purpose of the asset resolution subsidiary is to maintain, manage, and ultimately dispose of nonperforming loans and real estate acquired by subsidiary banks as the result of borrower default on real-estate-secured loans. The Company makes residential mortgage and commercial mortgage loans, home equity loans, secured and unsecured consumer installment loans, commercial and industrial loans, and real estate construction loans for owner-occupied and rental properties. The Company and its subsidiary Banks are subject to federal banking laws, and the Company is also subject also to Ohio bank law.
» More Articles for MBCN

Headlines

Articles On GuruFocus.com
(MBCN) CFO Donald L Stacy buys 1,000 Shares Mar 09 2011 
(MBCN) Exec. Vice President/COO James R Ii Heslop buys 1,000 Shares Mar 09 2011 

More From Other Websites
MIDDLEFIELD BANC CORP Financials Sep 13 2014
Middlefield Banc (MBCN) Initiatedd From to Buy Sep 12 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Other Events Sep 05 2014
Middlefield Banc Corp. Announces NASDAQ Stock Exchange Listing Sep 05 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Regulation FD Disclosure Aug 26 2014
Middlefield Banc Corp. Announces Third Quarter Cash Dividend Aug 13 2014
MIDDLEFIELD BANC CORP Files SEC form 10-Q, Quarterly Report Aug 12 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 23 2014
Middlefield Banc Corp. Reports Financial Results for the 2014 Second Quarter Jul 22 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 15 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Regulation FD Disclosure May 14 2014
Middlefield Banc Corp. Announces Second Quarter Cash Dividend May 14 2014
MIDDLEFIELD BANC CORP Files SEC form 10-Q, Quarterly Report May 13 2014
Middlefield Banc Corp. Ranked One of the Most Profitable Community Banks in the Country May 05 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 28 2014
Middlefield Banc Corp. Reports Net Income of $1.76 million for the First Quarter of 2014 Apr 25 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 12 2014
MIDDLEFIELD BANC CORP Files SEC form 10-K, Annual Report Mar 11 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Regulation FD Disclosure Feb 18 2014
Middlefield Banc Corp. Announces First Quarter Cash Dividend Feb 13 2014

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