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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 0.81
NAS:MBRG's Cash to Debt is ranked lower than
66% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. NAS:MBRG: 0.81 )
Ranked among companies with meaningful Cash to Debt only.
NAS:MBRG' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.4 Max: N/A
Current: 0.81
Equity to Asset 0.10
NAS:MBRG's Equity to Asset is ranked higher than
50% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:MBRG: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS:MBRG' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 2.29
NAS:MBRG's Interest Coverage is ranked higher than
59% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NAS:MBRG: 2.29 )
Ranked among companies with meaningful Interest Coverage only.
NAS:MBRG' s Interest Coverage Range Over the Past 10 Years
Min: 0.1  Med: 0.61 Max: 2.51
Current: 2.29
0.1
2.51
F-Score: 5
M-Score: -2.36
WACC vs ROIC
4.98%
4.80%
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 (%) 20.73
NAS:MBRG's Operating margin (%) is ranked lower than
73% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. NAS:MBRG: 20.73 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:MBRG' s Operating margin (%) Range Over the Past 10 Years
Min: -8.17  Med: 11.73 Max: 32.31
Current: 20.73
-8.17
32.31
Net-margin (%) 15.82
NAS:MBRG's Net-margin (%) is ranked lower than
71% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. NAS:MBRG: 15.82 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:MBRG' s Net-margin (%) Range Over the Past 10 Years
Min: -4.49  Med: 9.19 Max: 22.89
Current: 15.82
-4.49
22.89
ROE (%) 6.13
NAS:MBRG's ROE (%) is ranked lower than
67% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. NAS:MBRG: 6.13 )
Ranked among companies with meaningful ROE (%) only.
NAS:MBRG' s ROE (%) Range Over the Past 10 Years
Min: -2.73  Med: 5.16 Max: 12.21
Current: 6.13
-2.73
12.21
ROA (%) 0.59
NAS:MBRG's ROA (%) is ranked lower than
68% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:MBRG: 0.59 )
Ranked among companies with meaningful ROA (%) only.
NAS:MBRG' s ROA (%) Range Over the Past 10 Years
Min: -0.26  Med: 0.47 Max: 1.06
Current: 0.59
-0.26
1.06
Revenue Growth (3Y)(%) -11.00
NAS:MBRG's Revenue Growth (3Y)(%) is ranked lower than
89% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:MBRG: -11.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:MBRG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11  Med: 4.2 Max: 105.7
Current: -11
-11
105.7
EBITDA Growth (3Y)(%) 2.10
NAS:MBRG's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:MBRG: 2.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:MBRG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.6  Med: 4.85 Max: 23.6
Current: 2.1
-31.6
23.6
EPS Growth (3Y)(%) 5.80
NAS:MBRG's EPS Growth (3Y)(%) is ranked lower than
55% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:MBRG: 5.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:MBRG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -42  Med: 7.3 Max: 35.5
Current: 5.8
-42
35.5
» NAS:MBRG's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-28)


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

» Details

Guru Trades

Q4 2015

MBRG Guru Trades in Q4 2015

Jim Simons 35,600 sh (+15.96%)
» More
Q1 2016

MBRG Guru Trades in Q1 2016

Jim Simons 41,100 sh (+15.45%)
» More
Q2 2016

MBRG Guru Trades in Q2 2016

Jim Simons 57,800 sh (+40.63%)
» More
Q3 2016

MBRG Guru Trades in Q3 2016

Jim Simons 63,700 sh (+10.21%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:NKSH, NAS:EQBK, NAS:WNEB, NAS:BLMT, NAS:SMMF, AMEX:BHB, NAS:FFKT, NAS:AMNB, OTCPK:CATC, NAS:OSBC, NAS:OLBK, OTCPK:ALRS, NAS:PBNC, NAS:MBTF, NAS:PWOD, OTCPK:ISBA, NAS:CHFN, NAS:ATLO, NAS:MFSF, NAS:LCNB » details
Middleburg Financial Corp. is a bank holding company & through its subsidiaries, provides banking, fiduciary and investment management services and also originates and sells mortgages secured by personal residences to individuals and small businesses.

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

Ratios

vs
industry
vs
history
P/E(ttm) 32.08
MBRG's P/E(ttm) is ranked lower than
92% of the 2008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. MBRG: 32.08 )
Ranked among companies with meaningful P/E(ttm) only.
MBRG' s P/E(ttm) Range Over the Past 10 Years
Min: 14.25  Med: 19.6 Max: 111.5
Current: 32.08
14.25
111.5
PE(NRI) 32.08
MBRG's PE(NRI) is ranked lower than
91% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.85 vs. MBRG: 32.08 )
Ranked among companies with meaningful PE(NRI) only.
MBRG' s PE(NRI) Range Over the Past 10 Years
Min: 14.25  Med: 19.6 Max: 111.5
Current: 32.08
14.25
111.5
Price/Owner Earnings (ttm) 44.24
MBRG's Price/Owner Earnings (ttm) is ranked lower than
91% of the 909 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.74 vs. MBRG: 44.24 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MBRG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9  Med: 21.02 Max: 177.75
Current: 44.24
9
177.75
P/B 1.90
MBRG's P/B is ranked lower than
85% of the 1990 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. MBRG: 1.90 )
Ranked among companies with meaningful P/B only.
MBRG' s P/B Range Over the Past 10 Years
Min: 0.62  Med: 1.1 Max: 2.47
Current: 1.9
0.62
2.47
P/S 5.11
MBRG's P/S is ranked lower than
80% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. MBRG: 5.11 )
Ranked among companies with meaningful P/S only.
MBRG' s P/S Range Over the Past 10 Years
Min: 0.92  Med: 2.1 Max: 5.16
Current: 5.11
0.92
5.16
PFCF 17.12
MBRG's PFCF is ranked lower than
69% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.99 vs. MBRG: 17.12 )
Ranked among companies with meaningful PFCF only.
MBRG' s PFCF Range Over the Past 10 Years
Min: 1.92  Med: 7.42 Max: 36.56
Current: 17.12
1.92
36.56
POCF 17.60
MBRG's POCF is ranked lower than
78% of the 1130 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.66 vs. MBRG: 17.60 )
Ranked among companies with meaningful POCF only.
MBRG' s POCF Range Over the Past 10 Years
Min: 1.87  Med: 5.84 Max: 17.78
Current: 17.6
1.87
17.78
EV-to-EBIT 26.10
MBRG's EV-to-EBIT is ranked lower than
84% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.02 vs. MBRG: 26.10 )
Ranked among companies with meaningful EV-to-EBIT only.
MBRG' s EV-to-EBIT Range Over the Past 10 Years
Min: -118.9  Med: 18.6 Max: 448.8
Current: 26.1
-118.9
448.8
EV-to-EBITDA 20.82
MBRG's EV-to-EBITDA is ranked lower than
81% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.08 vs. MBRG: 20.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
MBRG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -383  Med: 15.2 Max: 112.9
Current: 20.82
-383
112.9
Shiller P/E 46.06
MBRG's Shiller P/E is ranked lower than
90% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.87 vs. MBRG: 46.06 )
Ranked among companies with meaningful Shiller P/E only.
MBRG' s Shiller P/E Range Over the Past 10 Years
Min: 7.76  Med: 16.29 Max: 46.55
Current: 46.06
7.76
46.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
MBRG's Dividend Yield is ranked lower than
77% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. MBRG: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
MBRG' s Dividend Yield Range Over the Past 10 Years
Min: 0.94  Med: 2.2 Max: 5.46
Current: 1.49
0.94
5.46
Dividend Payout 0.48
MBRG's Dividend Payout is ranked lower than
74% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MBRG: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
MBRG' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.36 Max: 6.33
Current: 0.48
0.17
6.33
Dividend Growth (3y) 32.00
MBRG's Dividend Growth (3y) is ranked higher than
85% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. MBRG: 32.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MBRG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.9  Med: 3.3 Max: 33
Current: 32
-29.9
33
Forward Dividend Yield 1.49
MBRG's Forward Dividend Yield is ranked lower than
82% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. MBRG: 1.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.33
MBRG's Yield on cost (5-Year) is ranked lower than
68% of the 2628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. MBRG: 2.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MBRG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.47  Med: 3.45 Max: 8.56
Current: 2.33
1.47
8.56
3-Year Average Share Buyback Ratio -0.20
MBRG's 3-Year Average Share Buyback Ratio is ranked higher than
71% of the 1057 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MBRG: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MBRG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.6  Med: -2.9 Max: 2
Current: -0.2
-15.6
2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.98
MBRG's Price/Tangible Book is ranked lower than
79% of the 2002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MBRG: 1.98 )
Ranked among companies with meaningful Price/Tangible Book only.
MBRG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.74  Med: 1.42 Max: 3.21
Current: 1.98
0.74
3.21
Price/Projected FCF 0.69
MBRG's Price/Projected FCF is ranked lower than
51% of the 1125 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. MBRG: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
MBRG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.72 Max: 3.49
Current: 0.69
0.42
3.49
Price/Median PS Value 2.43
MBRG's Price/Median PS Value is ranked lower than
96% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MBRG: 2.43 )
Ranked among companies with meaningful Price/Median PS Value only.
MBRG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.32 Max: 2.71
Current: 2.43
0.48
2.71
Price/Peter Lynch Fair Value 4.01
MBRG's Price/Peter Lynch Fair Value is ranked lower than
98% of the 511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MBRG: 4.01 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MBRG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.99  Med: 2.91 Max: 8.32
Current: 4.01
0.99
8.32
Price/Graham Number 1.68
MBRG's Price/Graham Number is ranked lower than
90% of the 1743 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. MBRG: 1.68 )
Ranked among companies with meaningful Price/Graham Number only.
MBRG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.74  Med: 1.12 Max: 2.64
Current: 1.68
0.74
2.64
Earnings Yield (Greenblatt) (%) 3.84
MBRG's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. MBRG: 3.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MBRG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 5.2 Max: 9.6
Current: 3.84
0.2
9.6
Forward Rate of Return (Yacktman) (%) 15.73
MBRG's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 879 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.55 vs. MBRG: 15.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MBRG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.9  Med: 7.75 Max: 20.6
Current: 15.73
-3.9
20.6

More Statistics

Revenue (TTM) (Mil) $49.00
EPS (TTM) $ 1.09
Beta0.38
Short Percentage of Float2.60%
52-Week Range $17.86 - 35.44
Shares Outstanding (Mil)7.21
» More Articles for NAS:MBRG

Headlines

Articles On GuruFocus.com
Former Berkshire Hathaway Leader David Sokol Turns Activist Investor Apr 25 2016 
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 

More From Other Websites
MIDDLEBURG FINANCIAL CORP Financials Nov 10 2016
MIDDLEBURG FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 04 2016
ETF’s with exposure to Middleburg Financial Corp. : November 2, 2016 Nov 02 2016
Middleburg Financial Corp. :MBRG-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Middleburg Financial posts 3Q profit Oct 28 2016
Middleburg Financial posts 3Q profit Oct 28 2016
MIDDLEBURG FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 28 2016
Middleburg Financial Corporation Announces Third Quarter 2016 Results Oct 28 2016
Middleburg Financial Corporation Announces Third Quarter 2016 Results Oct 28 2016
MIDDLEBURG FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Oct 25 2016
Middleburg Financial Corp.: Leading performance but fundamentals not looking strong? Oct 25 2016
Berkshire Hathaway alum David Sokol wanted to sell this bank — and he got what he wanted Oct 25 2016
MIDDLEBURG FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 24 2016
Middleburg Financial reaches agreement for strategic merger with Access National Oct 24 2016
Access National Corporation and Middleburg Financial Corporation Announce Strategic Merger Oct 24 2016
Access National Corporation and Middleburg Financial Corporation Announce Strategic Merger Oct 24 2016
Access National Corporation and Middleburg Financial Corporation Announce Strategic Merger Oct 24 2016
Access National Corporation and Middleburg Financial Corporation Announce Strategic Merger Oct 24 2016
Middleburg Financial Corp. : MBRG-US: Dividend Analysis : August 12th, 2016 (record date) : By the... Oct 18 2016
ETF’s with exposure to Middleburg Financial Corp. : October 6, 2016 Oct 06 2016

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