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18.85 (1y: +18%)
Market Cap 133.98 M P/E(ttm) 21.40
Enterprise Value 224.65 M P/B 1.20
MBRG- NAS (USA)
Middleburg Financial Corp.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$18.85
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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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.573
MBRG's Cash to Debt is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MBRG: 0.573 )
MBRG' s 10-Year Cash to Debt Range
Min: 0.15   Max: 1.63
Current: 0.57
0.15
1.63
Equity to Asset 0.087
MBRG's Equity to Asset is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBRG: 0.087 )
MBRG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09
0.07
0.1
Interest Coverage No Debt
MBRG's Interest Coverage is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MBRG: No Debt )
MBRG' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.31
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 (%) 14.70
MBRG's Operating margin (%) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. MBRG: 14.70 )
MBRG' s 10-Year Operating margin (%) Range
Min: -8.2   Max: 40
Current: 14.7
-8.2
40
Net-margin (%) 9.6
MBRG's Net-margin (%) is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MBRG: 9.6 )
MBRG' s 10-Year Net-margin (%) Range
Min: -4.5   Max: 28.2
Current: 9.6
-4.5
28.2
ROE (%) 5.7
MBRG's ROE (%) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MBRG: 5.7 )
MBRG' s 10-Year ROE (%) Range
Min: -2.8   Max: 17.4
Current: 5.7
-2.8
17.4
ROA (%) 0.5
MBRG's ROA (%) is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBRG: 0.5 )
MBRG' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.6
Current: 0.5
-0.2
1.6
Revenue Growth (%) -2
MBRG's Revenue Growth (%) is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MBRG: -2 )
MBRG' s 10-Year Revenue Growth (%) Range
Min: -4.3   Max: 17.1
Current: -2
-4.3
17.1
EBITDA Growth (%) 7.8
MBRG's EBITDA Growth (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. MBRG: 7.8 )
MBRG' s 10-Year EBITDA Growth (%) Range
Min: -24.8   Max: 17.2
Current: 7.8
-24.8
17.2
EPS Growth (%) 25.6
MBRG's EPS Growth (%) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. MBRG: 25.6 )
MBRG' s 10-Year EPS Growth (%) Range
Min: -33.6   Max: 25.6
Current: 25.6
-33.6
25.6
» MBRG's 10-Y Financials

Financials


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

» Details

Guru Trades

MBRG Guru Trades in

Q2 2011

MBRG Guru Trades in Q2 2011

Chuck Akre 128,530 sh (-0.4%)
Chuck Royce 24,263 sh (-88.69%)
» More
Q3 2011

MBRG Guru Trades in Q3 2011

Chuck Akre 128,530 sh (unchged)
Chuck Royce Sold Out
» More
Q4 2011

MBRG Guru Trades in Q4 2011

Chuck Akre Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with MBRG

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Chuck Akre 2011-12-31 Sold Out 0.32%$14.25 - $15.18 $ 18.8530%0
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 21.40
MBRG's P/E(ttm) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MBRG: 21.40 )
MBRG' s 10-Year P/E(ttm) Range
Min: 8.51   Max: 111.5
Current: 21.4
8.51
111.5
P/B 1.20
MBRG's P/B is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MBRG: 1.20 )
MBRG' s 10-Year P/B Range
Min: 0.49   Max: 3.7
Current: 1.2
0.49
3.7
P/S 2.00
MBRG's P/S is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MBRG: 2.00 )
MBRG' s 10-Year P/S Range
Min: 0.91   Max: 5.78
Current: 2
0.91
5.78
PFCF 2.80
MBRG's PFCF is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MBRG: 2.80 )
MBRG' s 10-Year PFCF Range
Min: 2.7   Max: 163.46
Current: 2.8
2.7
163.46
EV-to-EBIT 22.7
MBRG's EV-to-EBIT is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. MBRG: 22.7 )
MBRG' s 10-Year EV-to-EBIT Range
Min: 8.8   Max: 463.8
Current: 22.7
8.8
463.8
Shiller P/E 42
MBRG's Shiller P/E is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. MBRG: 42 )
MBRG' s 10-Year Shiller P/E Range
Min: 6.48   Max: 45.69
Current: 42
6.48
45.69

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.10
MBRG's Dividend Yield is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MBRG: 1.10 )
MBRG' s 10-Year Dividend Yield Range
Min: 0.97   Max: 5.46
Current: 1.1
0.97
5.46
Dividend Payout 0.2
MBRG's Dividend Payout is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. MBRG: 0.2 )
MBRG' s 10-Year Dividend Payout Range
Min: 0.22   Max: 1.13
Current: 0.2
0.22
1.13
Dividend growth (3y) -23.4
MBRG's Dividend growth (3y) is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. MBRG: -23.4 )
MBRG' s 10-Year Dividend growth (3y) Range
Min: -23.4   Max: 23.9
Current: -23.4
-23.4
23.9
Yield on cost (5-Year) 0.23
MBRG's Yield on cost (5-Year) is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. MBRG: 0.23 )
MBRG' s 10-Year Yield on cost (5-Year) Range
Min: 0.2   Max: 1.12
Current: 0.23
0.2
1.12
Share Buyback Rate -5.8
MBRG's Share Buyback Rate is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. MBRG: -5.8 )
MBRG' s 10-Year Share Buyback Rate Range
Min: 0.2   Max: -11.3
Current: -5.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
MBRG's Price/Tangible Book is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MBRG: 1.2 )
MBRG' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 3.3
Current: 1.2
0.7
3.3
Price/DCF (Projected) 0.8
MBRG's Price/DCF (Projected) is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. MBRG: 0.8 )
MBRG' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.1
Current: 0.8
0.4
1.1
Price/Median PS Value 0.6
MBRG's Price/Median PS Value is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBRG: 0.6 )
MBRG' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.6
Current: 0.6
0.3
1.6
Price/Graham Number 1
MBRG's Price/Graham Number is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBRG: 1 )
MBRG' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.7
Current: 1
0.7
1.7
Earnings Yield (Greenblatt) 4.40
MBRG's Earnings Yield (Greenblatt) is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MBRG: 4.40 )
MBRG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.4
Current: 4.4
0.2
11.4
Forward Rate of Return (Yacktman) 2.23
MBRG's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. MBRG: 2.23 )
MBRG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.7   Max: 34.2
Current: 2.23
-4.7
34.2

Business Description

Middleburg Financial Corporation was incorporated under Virginia law in 1993. It is a bank holding Company that conducts its operations through two wholly owned subsidiaries, Middleburg Bank and Middleburg Investment Group, Inc. The Company has another wholly owned subsidiary, MFC Capital Trust II, which is a Business Trust. The Company, through its subsidiaries, offers a range of banking, fiduciary and investment management services to both individuals and small businesses. Middleburg Bank has full service facilities and limited service Virginia, its operating area. Middleburg's services include various types of checking and savings deposit accounts, and the making of business, real estate, development, mortgage, home equity, automobile and other installment, demand and term loans. Also, it offers ATM services. Additional banking services available to the Company's clients include, internet banking, travelers' checks, money orders, safe deposit rentals, collections, 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. It has two subsidiaries, which are wholly owned, Middleburg Trust Company and Middleburg Investment Advisors, Inc. Middleburg Trust Company provides a number of investment management and fiduciary services including trust and estate settlement. Middleburg Investment Advisors provides fee based investment management services for the company's clients.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» 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 Corp. Reports Operating Results (10-Q) May 11 2009 

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