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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 1.58
MBRG's Cash to Debt is ranked higher than
77% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. MBRG: 1.58 )
MBRG' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.58

Equity to Asset 0.10
MBRG's Equity to Asset is ranked higher than
70% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBRG: 0.10 )
MBRG' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.1

0.07
0.13
Interest Coverage 1.23
MBRG's Interest Coverage is ranked higher than
67% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MBRG: 1.23 )
MBRG' s 10-Year Interest Coverage Range
Min: 0.1   Max: 2.09
Current: 1.23

0.1
2.09
F-Score: 5
Z-Score: 0.22
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 (%) 16.43
MBRG's Operating margin (%) is ranked higher than
58% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. MBRG: 16.43 )
MBRG' s 10-Year Operating margin (%) Range
Min: -195.53   Max: 40.04
Current: 16.43

-195.53
40.04
Net-margin (%) 12.59
MBRG's Net-margin (%) is ranked higher than
59% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. MBRG: 12.59 )
MBRG' s 10-Year Net-margin (%) Range
Min: -4.49   Max: 129.12
Current: 12.59

-4.49
129.12
ROE (%) 6.09
MBRG's ROE (%) is ranked higher than
65% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. MBRG: 6.09 )
MBRG' s 10-Year ROE (%) Range
Min: -2.73   Max: 18.52
Current: 6.09

-2.73
18.52
ROA (%) 0.58
MBRG's ROA (%) is ranked higher than
65% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBRG: 0.58 )
MBRG' s 10-Year ROA (%) Range
Min: -0.26   Max: 1.76
Current: 0.58

-0.26
1.76
ROC (Joel Greenblatt) (%) 47.45
MBRG's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. MBRG: 47.45 )
MBRG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -21.91   Max: 148.39
Current: 47.45

-21.91
148.39
Revenue Growth (3Y)(%) 0.50
MBRG's Revenue Growth (3Y)(%) is ranked higher than
73% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MBRG: 0.50 )
MBRG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9   Max: 105.7
Current: 0.5

-9
105.7
» MBRG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

MBRG Guru Trades in Q4 2013

Jim Simons 14,200 sh (New)
» More
Q1 2014

MBRG Guru Trades in Q1 2014

Jim Simons 10,695 sh (-24.68%)
» More
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
» 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%)

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 $ 18.527%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.50
MBRG's P/E(ttm) is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. MBRG: 18.50 )
MBRG' s 10-Year P/E(ttm) Range
Min: 14.39   Max: 110.5
Current: 18.5

14.39
110.5
P/B 1.09
MBRG's P/B is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. MBRG: 1.09 )
MBRG' s 10-Year P/B Range
Min: 0.62   Max: 3.27
Current: 1.09

0.62
3.27
P/S 2.34
MBRG's P/S is ranked higher than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. MBRG: 2.34 )
MBRG' s 10-Year P/S Range
Min: 0.91   Max: 5.86
Current: 2.34

0.91
5.86
PFCF 3.46
MBRG's PFCF is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBRG: 3.46 )
MBRG' s 10-Year PFCF Range
Min: 1.92   Max: 28.7
Current: 3.46

1.92
28.7
EV-to-EBIT 11.13
MBRG's EV-to-EBIT is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. MBRG: 11.13 )
MBRG' s 10-Year EV-to-EBIT Range
Min: -118.9   Max: 448.8
Current: 11.13

-118.9
448.8
Shiller P/E 31.35
MBRG's Shiller P/E is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBRG: 31.35 )
MBRG' s 10-Year Shiller P/E Range
Min: 6.48   Max: 55.11
Current: 31.35

6.48
55.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
MBRG's Dividend Yield is ranked lower than
59% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. MBRG: 1.84 )
MBRG' s 10-Year Dividend Yield Range
Min: 0.94   Max: 5.46
Current: 1.84

0.94
5.46
Dividend Payout 0.31
MBRG's Dividend Payout is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. MBRG: 0.31 )
MBRG' s 10-Year Dividend Payout Range
Min: 0.17   Max: 6.33
Current: 0.31

0.17
6.33
Dividend growth (3y) -11.80
MBRG's Dividend growth (3y) is ranked higher than
62% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. MBRG: -11.80 )
MBRG' s 10-Year Dividend growth (3y) Range
Min: -29.9   Max: 33
Current: -11.8

-29.9
33
Yield on cost (5-Year) 0.60
MBRG's Yield on cost (5-Year) is ranked lower than
88% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. MBRG: 0.60 )
MBRG' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 1.71
Current: 0.6

0.29
1.71
Share Buyback Rate -0.80
MBRG's Share Buyback Rate is ranked higher than
77% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MBRG: -0.80 )
MBRG' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -15.3
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
MBRG's Price/Tangible Book is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MBRG: 1.12 )
MBRG' s 10-Year Price/Tangible Book Range
Min: 0.74   Max: 3.21
Current: 1.12

0.74
3.21
Price/DCF (Projected) 0.55
MBRG's Price/DCF (Projected) is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. MBRG: 0.55 )
MBRG' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.91
Current: 0.55

0.46
1.91
Price/Median PS Value 1.11
MBRG'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. MBRG: 1.11 )
MBRG' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 2.72
Current: 1.11

0.48
2.72
Price/Graham Number 0.99
MBRG's Price/Graham Number is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MBRG: 0.99 )
MBRG' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 2.58
Current: 0.99

0.59
2.58
Earnings Yield (Greenblatt) 9.00
MBRG's Earnings Yield (Greenblatt) is ranked higher than
83% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBRG: 9.00 )
MBRG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 9.6
Current: 9

0.2
9.6
Forward Rate of Return (Yacktman) -2.43
MBRG's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. MBRG: -2.43 )
MBRG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.5   Max: 20.6
Current: -2.43

-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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