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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 : 7/10

vs
industry
vs
history
Cash to Debt 2.12
MBCN's Cash to Debt is ranked higher than
54% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. MBCN: 2.12 )
Ranked among companies with meaningful Cash to Debt only.
MBCN' s 10-Year Cash to Debt Range
Min: 0.18  Med: 0.65 Max: N/A
Current: 2.12
Equity to Asset 0.09
MBCN's Equity to Asset is ranked lower than
63% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MBCN: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
MBCN' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.1
Current: 0.09
0.06
0.1
Interest Coverage 2.27
MBCN's Interest Coverage is ranked higher than
60% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. MBCN: 2.27 )
Ranked among companies with meaningful Interest Coverage only.
MBCN' s 10-Year Interest Coverage Range
Min: 0.14  Med: 0.43 Max: 2.27
Current: 2.27
0.14
2.27
F-Score: 4
WACC vs ROIC
5.06%
12.90%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 32.53
MBCN's Operating margin (%) is ranked higher than
56% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. MBCN: 32.53 )
Ranked among companies with meaningful Operating margin (%) only.
MBCN' s 10-Year Operating margin (%) Range
Min: -281.57  Med: 10.09 Max: 34.74
Current: 32.53
-281.57
34.74
Net-margin (%) 25.38
MBCN's Net-margin (%) is ranked higher than
62% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. MBCN: 25.38 )
Ranked among companies with meaningful Net-margin (%) only.
MBCN' s 10-Year Net-margin (%) Range
Min: 10.52  Med: 26.87 Max: 177.82
Current: 25.38
10.52
177.82
ROE (%) 11.48
MBCN's ROE (%) is ranked higher than
71% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. MBCN: 11.48 )
Ranked among companies with meaningful ROE (%) only.
MBCN' s 10-Year ROE (%) Range
Min: 4.96  Med: 12.14 Max: 14.2
Current: 11.48
4.96
14.2
ROA (%) 1.04
MBCN's ROA (%) is ranked higher than
63% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MBCN: 1.04 )
Ranked among companies with meaningful ROA (%) only.
MBCN' s 10-Year ROA (%) Range
Min: 0.35  Med: 1.08 Max: 1.23
Current: 1.04
0.35
1.23
ROC (Joel Greenblatt) (%) 91.12
MBCN's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. MBCN: 91.12 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MBCN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -113.59  Med: 24.80 Max: 98.24
Current: 91.12
-113.59
98.24
Revenue Growth (3Y)(%) 2.50
MBCN's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MBCN: 2.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MBCN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.7  Med: 9.60 Max: 90.1
Current: 2.5
-0.7
90.1
EBITDA Growth (3Y)(%) 20.00
MBCN's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MBCN: 20.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MBCN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -12.7  Med: 7.80 Max: 44.3
Current: 20
-12.7
44.3
EPS Growth (3Y)(%) 16.60
MBCN's EPS Growth (3Y)(%) is ranked higher than
67% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. MBCN: 16.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MBCN' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.5  Med: 7.15 Max: 41.8
Current: 16.6
-23.5
41.8
» MBCN's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 9.20
MBCN's P/E(ttm) is ranked higher than
78% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MBCN: 9.20 )
Ranked among companies with meaningful P/E(ttm) only.
MBCN' s 10-Year P/E(ttm) Range
Min: 7.02  Med: 11.56 Max: 21.01
Current: 9.2
7.02
21.01
Forward P/E 7.32
MBCN's Forward P/E is ranked higher than
87% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. MBCN: 7.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.20
MBCN's PE(NRI) is ranked higher than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MBCN: 9.20 )
Ranked among companies with meaningful PE(NRI) only.
MBCN' s 10-Year PE(NRI) Range
Min: 7.02  Med: 11.56 Max: 21.07
Current: 9.2
7.02
21.07
P/B 0.98
MBCN's P/B is ranked higher than
60% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MBCN: 0.98 )
Ranked among companies with meaningful P/B only.
MBCN' s 10-Year P/B Range
Min: 0.61  Med: 1.00 Max: 2.27
Current: 0.98
0.61
2.27
P/S 2.33
MBCN's P/S is ranked higher than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. MBCN: 2.33 )
Ranked among companies with meaningful P/S only.
MBCN' s 10-Year P/S Range
Min: 1.15  Med: 2.25 Max: 27.95
Current: 2.33
1.15
27.95
PFCF 10.98
MBCN's PFCF is ranked higher than
52% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. MBCN: 10.98 )
Ranked among companies with meaningful PFCF only.
MBCN' s 10-Year PFCF Range
Min: 3.57  Med: 11.50 Max: 94.81
Current: 10.98
3.57
94.81
POCF 9.57
MBCN's POCF is ranked higher than
51% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. MBCN: 9.57 )
Ranked among companies with meaningful POCF only.
MBCN' s 10-Year POCF Range
Min: 3.41  Med: 9.64 Max: 37.35
Current: 9.57
3.41
37.35
EV-to-EBIT 5.93
MBCN's EV-to-EBIT is ranked higher than
87% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. MBCN: 5.93 )
Ranked among companies with meaningful EV-to-EBIT only.
MBCN' s 10-Year EV-to-EBIT Range
Min: -134.5  Med: 7.00 Max: 45.8
Current: 5.93
-134.5
45.8
PEG 0.31
MBCN's PEG is ranked higher than
90% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MBCN: 0.31 )
Ranked among companies with meaningful PEG only.
MBCN' s 10-Year PEG Range
Min: 0.23  Med: 0.47 Max: 3.38
Current: 0.31
0.23
3.38
Shiller P/E 11.67
MBCN's Shiller P/E is ranked higher than
76% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. MBCN: 11.67 )
Ranked among companies with meaningful Shiller P/E only.
MBCN' s 10-Year Shiller P/E Range
Min: 6.87  Med: 11.27 Max: 17.57
Current: 11.67
6.87
17.57
Days Sales Outstanding 98.57
MBCN's Days Sales Outstanding is ranked lower than
77% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. MBCN: 98.57 )
Ranked among companies with meaningful Days Sales Outstanding only.
MBCN' s 10-Year Days Sales Outstanding Range
Min: 111.36  Med: 158.55 Max: 247.28
Current: 98.57
111.36
247.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.33
MBCN's Dividend Yield is ranked higher than
65% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MBCN: 3.33 )
Ranked among companies with meaningful Dividend Yield only.
MBCN' s 10-Year Dividend Yield Range
Min: 0.79  Med: 3.30 Max: 6.82
Current: 3.33
0.79
6.82
Dividend Payout 0.30
MBCN's Dividend Payout is ranked higher than
55% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MBCN: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
MBCN' s 10-Year Dividend Payout Range
Min: 0.2  Med: 0.33 Max: 1.86
Current: 0.3
0.2
1.86
Yield on cost (5-Year) 2.73
MBCN's Yield on cost (5-Year) is ranked lower than
56% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. MBCN: 2.73 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MBCN' s 10-Year Yield on cost (5-Year) Range
Min: 0.65  Med: 2.70 Max: 5.59
Current: 2.73
0.65
5.59
Share Buyback Rate -3.10
MBCN's Share Buyback Rate is ranked lower than
56% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MBCN: -3.10 )
Ranked among companies with meaningful Share Buyback Rate only.
MBCN' s 10-Year Share Buyback Rate Range
Min: 0  Med: -3.60 Max: -8.7
Current: -3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
MBCN's Price/Tangible Book is ranked higher than
58% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MBCN: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
MBCN' s 10-Year Price/Tangible Book Range
Min: 0.71  Med: 1.21 Max: 2.16
Current: 1.06
0.71
2.16
Price/Projected FCF 0.45
MBCN's Price/Projected FCF is ranked higher than
75% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. MBCN: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
MBCN' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.45 Max: 1.01
Current: 0.45
0.31
1.01
Price/Median PS Value 1.04
MBCN's Price/Median PS Value is ranked higher than
57% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. MBCN: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
MBCN' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 1.31 Max: 11.35
Current: 1.04
0.54
11.35
Price/Peter Lynch Fair Value 0.37
MBCN's Price/Peter Lynch Fair Value is ranked higher than
91% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. MBCN: 0.37 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MBCN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3  Med: 0.67 Max: 2.7
Current: 0.37
0.3
2.7
Price/Graham Number 0.66
MBCN's Price/Graham Number is ranked higher than
71% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MBCN: 0.66 )
Ranked among companies with meaningful Price/Graham Number only.
MBCN' s 10-Year Price/Graham Number Range
Min: 0.48  Med: 0.80 Max: 1.29
Current: 0.66
0.48
1.29
Earnings Yield (Greenblatt) (%) 16.90
MBCN's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBCN: 16.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MBCN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.2  Med: 8.30 Max: 23.7
Current: 16.9
2.2
23.7
Forward Rate of Return (Yacktman) (%) 39.01
MBCN's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. MBCN: 39.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MBCN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.3  Med: 11.75 Max: 47.5
Current: 39.01
-13.3
47.5

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 

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