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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 1.11
MBRG's Cash to Debt is ranked lower than
55% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. MBRG: 1.11 )
Ranked among companies with meaningful Cash to Debt only.
MBRG' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.35 Max: N/A
Current: 1.11
Equity to Asset 0.10
MBRG's Equity to Asset is ranked higher than
51% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MBRG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
MBRG' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 1.87
MBRG's Interest Coverage is ranked higher than
54% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. MBRG: 1.87 )
Ranked among companies with meaningful Interest Coverage only.
MBRG' s 10-Year Interest Coverage Range
Min: 0.1  Med: 0.87 Max: 2.09
Current: 1.87
0.1
2.09
F-Score: 5
WACC vs ROIC
8.20%
7.13%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 21.13
MBRG's Operating margin (%) is ranked lower than
70% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. MBRG: 21.13 )
Ranked among companies with meaningful Operating margin (%) only.
MBRG' s 10-Year Operating margin (%) Range
Min: -195.53  Med: 18.59 Max: 40.04
Current: 21.13
-195.53
40.04
Net-margin (%) 16.14
MBRG's Net-margin (%) is ranked lower than
68% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. MBRG: 16.14 )
Ranked among companies with meaningful Net-margin (%) only.
MBRG' s 10-Year Net-margin (%) Range
Min: -4.49  Med: 21.33 Max: 129.12
Current: 16.14
-4.49
129.12
ROE (%) 6.68
MBRG's ROE (%) is ranked lower than
61% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. MBRG: 6.68 )
Ranked among companies with meaningful ROE (%) only.
MBRG' s 10-Year ROE (%) Range
Min: -2.73  Med: 9.34 Max: 18.52
Current: 6.68
-2.73
18.52
ROA (%) 0.65
MBRG's ROA (%) is ranked lower than
62% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MBRG: 0.65 )
Ranked among companies with meaningful ROA (%) only.
MBRG' s 10-Year ROA (%) Range
Min: -0.26  Med: 0.84 Max: 1.76
Current: 0.65
-0.26
1.76
ROC (Joel Greenblatt) (%) 56.79
MBRG's ROC (Joel Greenblatt) (%) is ranked lower than
59% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. MBRG: 56.79 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MBRG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -21.91  Med: 44.49 Max: 148.39
Current: 56.79
-21.91
148.39
Revenue Growth (3Y)(%) -3.70
MBRG's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MBRG: -3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MBRG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9  Med: 6.00 Max: 105.7
Current: -3.7
-9
105.7
EBITDA Growth (3Y)(%) 14.80
MBRG's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MBRG: 14.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MBRG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -31.6  Med: 6.00 Max: 23.5
Current: 14.8
-31.6
23.5
EPS Growth (3Y)(%) 14.30
MBRG's EPS Growth (3Y)(%) is ranked higher than
62% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. MBRG: 14.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MBRG' s 10-Year EPS Growth (3Y)(%) Range
Min: -42  Med: 7.70 Max: 35.5
Current: 14.3
-42
35.5
» MBRG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

MBRG Guru Trades in Q2 2014

Jim Simons 22,031 sh (+105.99%)
» More
Q3 2014

MBRG Guru Trades in Q3 2014

Jim Simons 22,700 sh (+3.04%)
» More
Q4 2014

MBRG Guru Trades in Q4 2014

Jim Simons 26,400 sh (+16.30%)
» More
Q1 2015

MBRG Guru Trades in Q1 2015

Jim Simons 31,100 sh (+17.80%)
» More
» Details

Insider Trades

Latest Guru Trades with MBRG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.43
MBRG's P/E(ttm) is ranked lower than
62% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MBRG: 16.43 )
Ranked among companies with meaningful P/E(ttm) only.
MBRG' s 10-Year P/E(ttm) Range
Min: 14.39  Med: 19.39 Max: 110.5
Current: 16.43
14.39
110.5
Forward P/E 16.21
MBRG's Forward P/E is ranked lower than
84% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. MBRG: 16.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.90
MBRG's PE(NRI) is ranked lower than
62% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MBRG: 15.90 )
Ranked among companies with meaningful PE(NRI) only.
MBRG' s 10-Year PE(NRI) Range
Min: 14.38  Med: 19.37 Max: 111.5
Current: 15.9
14.38
111.5
P/B 1.06
MBRG's P/B is ranked higher than
56% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MBRG: 1.06 )
Ranked among companies with meaningful P/B only.
MBRG' s 10-Year P/B Range
Min: 0.62  Med: 1.12 Max: 2.84
Current: 1.06
0.62
2.84
P/S 2.64
MBRG's P/S is ranked higher than
60% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. MBRG: 2.64 )
Ranked among companies with meaningful P/S only.
MBRG' s 10-Year P/S Range
Min: 0.91  Med: 2.09 Max: 5.86
Current: 2.64
0.91
5.86
PFCF 6.38
MBRG's PFCF is ranked higher than
67% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. MBRG: 6.38 )
Ranked among companies with meaningful PFCF only.
MBRG' s 10-Year PFCF Range
Min: 1.92  Med: 6.42 Max: 22.3
Current: 6.38
1.92
22.3
POCF 3.07
MBRG's POCF is ranked higher than
78% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. MBRG: 3.07 )
Ranked among companies with meaningful POCF only.
MBRG' s 10-Year POCF Range
Min: 1.87  Med: 5.36 Max: 14.37
Current: 3.07
1.87
14.37
EV-to-EBIT 11.77
MBRG's EV-to-EBIT is ranked higher than
63% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. MBRG: 11.77 )
Ranked among companies with meaningful EV-to-EBIT only.
MBRG' s 10-Year EV-to-EBIT Range
Min: -118.9  Med: 19.20 Max: 448.8
Current: 11.77
-118.9
448.8
Shiller P/E 28.84
MBRG's Shiller P/E is ranked lower than
80% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. MBRG: 28.84 )
Ranked among companies with meaningful Shiller P/E only.
MBRG' s 10-Year Shiller P/E Range
Min: 6.53  Med: 17.95 Max: 53.69
Current: 28.84
6.53
53.69
Days Sales Outstanding 155.12
MBRG's Days Sales Outstanding is ranked lower than
84% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. MBRG: 155.12 )
Ranked among companies with meaningful Days Sales Outstanding only.
MBRG' s 10-Year Days Sales Outstanding Range
Min: 121.97  Med: 207.57 Max: 605.16
Current: 155.12
121.97
605.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.17
MBRG's Dividend Yield is ranked lower than
59% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MBRG: 2.17 )
Ranked among companies with meaningful Dividend Yield only.
MBRG' s 10-Year Dividend Yield Range
Min: 0.94  Med: 2.21 Max: 5.46
Current: 2.17
0.94
5.46
Dividend Payout 0.33
MBRG's Dividend Payout is ranked higher than
50% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBRG: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
MBRG' s 10-Year Dividend Payout Range
Min: 0.17  Med: 0.36 Max: 6.33
Current: 0.33
0.17
6.33
Dividend growth (3y) 19.30
MBRG's Dividend growth (3y) is ranked higher than
74% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MBRG: 19.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
MBRG' s 10-Year Dividend growth (3y) Range
Min: -29.9  Med: 1.65 Max: 33
Current: 19.3
-29.9
33
Yield on cost (5-Year) 1.26
MBRG's Yield on cost (5-Year) is ranked lower than
81% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MBRG: 1.26 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MBRG' s 10-Year Yield on cost (5-Year) Range
Min: 0.55  Med: 1.28 Max: 3.17
Current: 1.26
0.55
3.17
Share Buyback Rate -0.70
MBRG's Share Buyback Rate is ranked higher than
62% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MBRG: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
MBRG' s 10-Year Share Buyback Rate Range
Min: 1.4  Med: -3.20 Max: -15.3
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
MBRG's Price/Tangible Book is ranked higher than
58% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MBRG: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
MBRG' s 10-Year Price/Tangible Book Range
Min: 0.74  Med: 1.45 Max: 3.21
Current: 1.09
0.74
3.21
Price/Projected FCF 0.46
MBRG's Price/Projected FCF is ranked higher than
77% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. MBRG: 0.46 )
Ranked among companies with meaningful Price/Projected FCF only.
MBRG' s 10-Year Price/Projected FCF Range
Min: 0.45  Med: 0.85 Max: 1.91
Current: 0.46
0.45
1.91
Price/Median PS Value 1.26
MBRG's Price/Median PS Value is ranked lower than
67% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MBRG: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
MBRG' s 10-Year Price/Median PS Value Range
Min: 0.48  Med: 1.36 Max: 2.73
Current: 1.26
0.48
2.73
Price/Graham Number 0.89
MBRG's Price/Graham Number is ranked lower than
51% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MBRG: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
MBRG' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 1.11 Max: 2.58
Current: 0.89
0.59
2.58
Earnings Yield (Greenblatt) (%) 8.47
MBRG's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MBRG: 8.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MBRG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 4.90 Max: 9.6
Current: 8.47
0.2
9.6
Forward Rate of Return (Yacktman) (%) -2.09
MBRG's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MBRG: -2.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MBRG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.5  Med: 5.80 Max: 20.6
Current: -2.09
-5.5
20.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Middleburg Financial Corp., was incorporated under Virginia law in 1993. The Company is a bank holding company that conducts its operations through two wholly owned subsidiaries, Middleburg Bank and Middleburg Investment Group, Inc. The Company has one other wholly owned subsidiary, MFC Capital Trust II, which is a Delaware Business Trust. The Company, through its subsidiaries, offers banking, fiduciary and investment management services to both individuals and small businesses. Middleburg Bank has 12 full service facilities and one limited service facility. Middleburg's services include checking and savings deposit accounts, and the making of business, real estate, development, mortgage, home equity, automobile and other installment, demand and term loans and also offers ATM services. Additional banking services available to the Company's clients include, but are not limited to, Internet banking, travelers' checks, money orders, safe deposit rentals, notary public and wire services. Middleburg Bank has one wholly owned subsidiary, Middleburg Bank Service Corporation, which is a partner in two limited liability companies, Bankers Title Shenandoah, LLC, which sells title insurance through its members, and Bankers Insurance, LLC, which acts as a broker for insurance sales for its member banks. Southern Trust Mortgage offers mortgage banking services to residential borrowers in five states within the southeastern United States. Southern Trust Mortgage operates as Middleburg Mortgage within all of the Company's financial service centers to provide mortgage banking services for the Company's clients. Middleburg Investment Group is a non-bank holding company that offers wealth management services through its subsidiaries and through the investment services department of Middleburg Bank. The Company operates in a decentralized fashion in three principal business activities: retail banking services; wealth management services; and mortgage banking services. Revenue from retail banking activities consists mainly of interest earned on loans and investment securities and service charges on deposit accounts. Revenue from the wealth management activities is comprised mostly of fees based upon the market value of the accounts under administration as well as commissions on investment transactions. The wealth management services are conducted by Middleburg Trust Company and the investment services department of Middleburg Bank. Revenue from the mortgage banking activities is comprised of interest earned on loans and fees received as a result of the mortgage origination process. The Company recognizes gains on the sale of loans as part of other income. The mortgage banking services are conducted by Southern Trust Mortgage. The Company's commercial and retail banking segment faces significant competition for both loans and deposits. Competition for loans comes from commercial banks, savings and loan associations and savings banks, mortgage banking
» More Articles for MBRG

Headlines

Articles On GuruFocus.com
David Sokol Keeps Buying Middleburg Financial Aug 24 2011 
Middleburg Financial Corp. (MBRG) EVP & CFO Rajesh Mehra sells 1,000 Shares Mar 15 2011 
Sokol May Increase Stake in Middleburg Financial Oct 30 2010 
Middleburg Financial Corp. Reports Operating Results (10-Q) May 10 2010 
Examining Middleburg Financial: David Sokol’s Favorite Bank? Mar 27 2010 
Middleburg Financial Corp. Reports Operating Results (10-Q) Nov 10 2009 
Middleburg Financial Corporation Completes Common Stock Offering Aug 10 2009 
Middleburg Financial Corp. Reports Operating Results (10-Q) May 11 2009 
Middleburg Financial Corporation Announces Fourth Quarter Earnings and 2008 Earnings Jan 30 2009 

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