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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 1.32
MBCN's Cash to Debt is ranked higher than
76% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. MBCN: 1.32 )
MBCN' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 1.32

Equity to Asset 0.09
MBCN's Equity to Asset is ranked higher than
66% of the 2021 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 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.23
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 (%) 33.70
MBCN's Operating margin (%) is ranked higher than
81% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. MBCN: 33.70 )
MBCN' s 10-Year Operating margin (%) Range
Min: -281.57   Max: 34.55
Current: 33.7

-281.57
34.55
Net-margin (%) 26.47
MBCN's Net-margin (%) is ranked higher than
84% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. MBCN: 26.47 )
MBCN' s 10-Year Net-margin (%) Range
Min: 10.52   Max: 177.82
Current: 26.47

10.52
177.82
ROE (%) 12.55
MBCN's ROE (%) is ranked higher than
89% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. MBCN: 12.55 )
MBCN' s 10-Year ROE (%) Range
Min: 4.96   Max: 14.2
Current: 12.55

4.96
14.2
ROA (%) 1.07
MBCN's ROA (%) is ranked higher than
85% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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) (%) 94.28
MBCN's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. MBCN: 94.28 )
MBCN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -113.59   Max: 97.38
Current: 94.28

-113.59
97.38
Revenue Growth (3Y)(%) -0.80
MBCN's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MBCN: -0.80 )
MBCN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.8   Max: 90.1
Current: -0.8

-0.8
90.1
EBITDA Growth (3Y)(%) 34.50
MBCN's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBCN: 34.50 )
MBCN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -12.7   Max: 44.3
Current: 34.5

-12.7
44.3
EPS Growth (3Y)(%) 29.40
MBCN's EPS Growth (3Y)(%) is ranked higher than
91% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MBCN: 29.40 )
MBCN' s 10-Year EPS Growth (3Y)(%) 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

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Ratios

vs
industry
vs
history
P/E(ttm) 9.50
MBCN's P/E(ttm) is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 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 1.10
MBCN's P/B is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. MBCN: 1.10 )
MBCN' s 10-Year P/B Range
Min: 0.61   Max: 2.27
Current: 1.1

0.61
2.27
P/S 2.51
MBCN's P/S is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. MBCN: 2.51 )
MBCN' s 10-Year P/S Range
Min: 1.15   Max: 27.95
Current: 2.51

1.15
27.95
PFCF 10.61
MBCN's PFCF is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBCN: 10.61 )
MBCN' s 10-Year PFCF Range
Min: 3.57   Max: 94.81
Current: 10.61

3.57
94.81
EV-to-EBIT 6.89
MBCN's EV-to-EBIT is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. MBCN: 6.89 )
MBCN' s 10-Year EV-to-EBIT Range
Min: -134.5   Max: 45.8
Current: 6.89

-134.5
45.8
PEG 0.26
MBCN's PEG is ranked higher than
98% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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 13.19
MBCN's Shiller P/E is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBCN: 13.19 )
MBCN' s 10-Year Shiller P/E Range
Min: 6.81   Max: 17.57
Current: 13.19

6.81
17.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.15
MBCN's Dividend Yield is ranked higher than
69% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. MBCN: 3.15 )
MBCN' s 10-Year Dividend Yield Range
Min: 0.79   Max: 6.82
Current: 3.15

0.79
6.82
Dividend Payout 0.30
MBCN's Dividend Payout is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 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
66% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. MBCN: 1.60 )
MBCN' s 10-Year Yield on cost (5-Year) Range
Min: 0.4   Max: 3.42
Current: 1.6

0.4
3.42
Share Buyback Rate -8.70
MBCN's Share Buyback Rate is ranked higher than
60% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.19
MBCN's Price/Tangible Book is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MBCN: 1.19 )
MBCN' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 2.16
Current: 1.19

0.71
2.16
Price/DCF (Projected) 0.47
MBCN's Price/DCF (Projected) is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. MBCN: 0.47 )
MBCN' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 1.01
Current: 0.47

0.31
1.01
Price/Median PS Value 1.13
MBCN's Price/Median PS Value is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. MBCN: 1.13 )
MBCN' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 11.46
Current: 1.13

0.55
11.46
Price/Peter Lynch Fair Value 0.38
MBCN's Price/Peter Lynch Fair Value is ranked higher than
99% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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 0.71
MBCN's Price/Graham Number is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MBCN: 0.71 )
MBCN' s 10-Year Price/Graham Number Range
Min: 0.48   Max: 1.29
Current: 0.71

0.48
1.29
Earnings Yield (Greenblatt) 14.50
MBCN's Earnings Yield (Greenblatt) is ranked higher than
93% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBCN: 14.50 )
MBCN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 23.7
Current: 14.5

2.2
23.7
Forward Rate of Return (Yacktman) 43.03
MBCN's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. MBCN: 43.03 )
MBCN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.3   Max: 47.3
Current: 43.03

-13.3
47.3

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 bank holding company of The Middlefield Banking Company, Emerald Bank and EMORECO Inc. The Middlefield Banking Company was chartered under Ohio law in 1901. It offers banking services such as checking, savings, and negotiable order of withdrawal 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. It also offers online banking and bill payment services to individuals and online cash management services to business customers. Its loan products include operational and working capital loans, loans to finance capital purchases, term business loans, residential construction loans, selected guaranteed or subsidized loan programs for small businesses, professional loans, residential mortgage and commercial mortgage loans, and consumer installment loans to purchase automobiles, boats, and for home improvement and other personal expenditures. The Middlefield Banking Company's market area in northeastern Ohio consists principally of Geauga, Portage, Trumbull, and Ashtabula Counties. Emerald Bank operates as a separate commercial bank subsidiary of the Company, offering essentially the same range of products and services in central Ohio as The Middlefield Banking Company. EMORECO Inc. was organized in 2009 as an Ohio corporation and maintains, manages, and ultimately disposes of nonperforming loans and other real estate owned acquired by subsidiary banks as the result of borrower default on real-estate-secured loans.
» 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. Added to American Bankers Association’s Community Bank Index Dec 03 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Regulation FD Disclosure Nov 18 2014
MIDDLEFIELD BANC CORP Financials Nov 14 2014
10-Q for Middlefield Banc Corp. Nov 06 2014
MIDDLEFIELD BANC CORP Files SEC form 10-Q, Quarterly Report Nov 04 2014
Middlefield Banc Corp. Announces Fourth Quarter Cash Dividend Nov 04 2014
MIDDLEFIELD BANC CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 21 2014
Middlefield Banc Corp. Reports Financial Results for the 2014 Third Quarter Oct 21 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

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