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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 2.96
MBVT's Cash to Debt is ranked higher than
58% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. MBVT: 2.96 )
Ranked among companies with meaningful Cash to Debt only.
MBVT' s 10-Year Cash to Debt Range
Min: 0.21  Med: 1.30 Max: 22.69
Current: 2.96
0.21
22.69
Equity to Asset 0.08
MBVT's Equity to Asset is ranked lower than
69% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MBVT: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
MBVT' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.07 Max: 0.1
Current: 0.08
0.06
0.1
Interest Coverage 3.46
MBVT's Interest Coverage is ranked higher than
70% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MBVT: 3.46 )
Ranked among companies with meaningful Interest Coverage only.
MBVT' s 10-Year Interest Coverage Range
Min: 0.43  Med: 1.07 Max: 3.98
Current: 3.46
0.43
3.98
F-Score: 4
WACC vs ROIC
15.00%
27.19%
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 (%) 26.76
MBVT's Operating margin (%) is ranked lower than
56% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. MBVT: 26.76 )
Ranked among companies with meaningful Operating margin (%) only.
MBVT' s 10-Year Operating margin (%) Range
Min: -18.49  Med: 30.87 Max: 37.91
Current: 26.76
-18.49
37.91
Net-margin (%) 20.97
MBVT's Net-margin (%) is ranked lower than
51% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. MBVT: 20.97 )
Ranked among companies with meaningful Net-margin (%) only.
MBVT' s 10-Year Net-margin (%) Range
Min: -9.25  Med: 24.47 Max: 27.63
Current: 20.97
-9.25
27.63
ROE (%) 9.61
MBVT's ROE (%) is ranked higher than
60% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. MBVT: 9.61 )
Ranked among companies with meaningful ROE (%) only.
MBVT' s 10-Year ROE (%) Range
Min: 9.88  Med: 15.75 Max: 18.09
Current: 9.61
9.88
18.09
ROA (%) 0.72
MBVT's ROA (%) is ranked lower than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBVT: 0.72 )
Ranked among companies with meaningful ROA (%) only.
MBVT' s 10-Year ROA (%) Range
Min: 0.7  Med: 1.06 Max: 1.61
Current: 0.72
0.7
1.61
ROC (Joel Greenblatt) (%) 98.92
MBVT's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. MBVT: 98.92 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MBVT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 32.84  Med: 106.20 Max: 150.05
Current: 98.92
32.84
150.05
Revenue Growth (3Y)(%) -1.60
MBVT's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MBVT: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MBVT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.30 Max: 10.6
Current: -1.6
0
10.6
EBITDA Growth (3Y)(%) -3.30
MBVT's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. MBVT: -3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MBVT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.55 Max: 13.5
Current: -3.3
0
13.5
EPS Growth (3Y)(%) -6.70
MBVT's EPS Growth (3Y)(%) is ranked lower than
80% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. MBVT: -6.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MBVT' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.7  Med: 4.75 Max: 17.9
Current: -6.7
-6.7
17.9
» MBVT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

MBVT Guru Trades in Q2 2014

Jim Simons 27,719 sh (+8.28%)
» More
Q3 2014

MBVT Guru Trades in Q3 2014

Jim Simons 31,856 sh (+14.92%)
» More
Q4 2014

MBVT Guru Trades in Q4 2014

Jim Simons 40,600 sh (+27.45%)
» More
Q1 2015

MBVT Guru Trades in Q1 2015

Jim Simons 39,300 sh (-3.20%)
» More
» Details

Insider Trades

Latest Guru Trades with MBVT

(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) 17.15
MBVT's P/E(ttm) is ranked lower than
67% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. MBVT: 17.15 )
Ranked among companies with meaningful P/E(ttm) only.
MBVT' s 10-Year P/E(ttm) Range
Min: 8.3  Med: 12.73 Max: 17.67
Current: 17.15
8.3
17.67
Forward P/E 10.80
MBVT's Forward P/E is ranked higher than
64% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. MBVT: 10.80 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.50
MBVT's PE(NRI) is ranked lower than
67% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. MBVT: 17.50 )
Ranked among companies with meaningful PE(NRI) only.
MBVT' s 10-Year PE(NRI) Range
Min: 8.3  Med: 12.77 Max: 17.63
Current: 17.5
8.3
17.63
P/B 1.63
MBVT's P/B is ranked lower than
80% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. MBVT: 1.63 )
Ranked among companies with meaningful P/B only.
MBVT' s 10-Year P/B Range
Min: 1.18  Med: 1.60 Max: 3.21
Current: 1.63
1.18
3.21
P/S 3.60
MBVT's P/S is ranked lower than
64% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. MBVT: 3.60 )
Ranked among companies with meaningful P/S only.
MBVT' s 10-Year P/S Range
Min: 1.92  Med: 3.07 Max: 4.64
Current: 3.6
1.92
4.64
PFCF 14.64
MBVT's PFCF is ranked lower than
63% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. MBVT: 14.64 )
Ranked among companies with meaningful PFCF only.
MBVT' s 10-Year PFCF Range
Min: 4.64  Med: 11.66 Max: 103.07
Current: 14.64
4.64
103.07
POCF 12.18
MBVT's POCF is ranked lower than
61% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. MBVT: 12.18 )
Ranked among companies with meaningful POCF only.
MBVT' s 10-Year POCF Range
Min: 4.33  Med: 9.62 Max: 32.07
Current: 12.18
4.33
32.07
EV-to-EBIT 10.77
MBVT's EV-to-EBIT is ranked higher than
69% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. MBVT: 10.77 )
Ranked among companies with meaningful EV-to-EBIT only.
MBVT' s 10-Year EV-to-EBIT Range
Min: 2.4  Med: 11.10 Max: 28.6
Current: 10.77
2.4
28.6
Shiller P/E 13.73
MBVT's Shiller P/E is ranked higher than
67% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. MBVT: 13.73 )
Ranked among companies with meaningful Shiller P/E only.
MBVT' s 10-Year Shiller P/E Range
Min: 8.25  Med: 12.02 Max: 17.18
Current: 13.73
8.25
17.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.43
MBVT's Dividend Yield is ranked higher than
66% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. MBVT: 3.43 )
Ranked among companies with meaningful Dividend Yield only.
MBVT' s 10-Year Dividend Yield Range
Min: 3.22  Med: 4.27 Max: 6.59
Current: 3.43
3.22
6.59
Dividend Payout 0.59
MBVT's Dividend Payout is ranked lower than
82% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. MBVT: 0.59 )
Ranked among companies with meaningful Dividend Payout only.
MBVT' s 10-Year Dividend Payout Range
Min: 0.21  Med: 0.50 Max: 0.82
Current: 0.59
0.21
0.82
Yield on cost (5-Year) 3.43
MBVT's Yield on cost (5-Year) is ranked higher than
59% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. MBVT: 3.43 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MBVT' s 10-Year Yield on cost (5-Year) Range
Min: 3.22  Med: 4.27 Max: 6.59
Current: 3.43
3.22
6.59
Share Buyback Rate -0.60
MBVT's Share Buyback Rate is ranked higher than
60% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. MBVT: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
MBVT' s 10-Year Share Buyback Rate Range
Min: 2.9  Med: -0.30 Max: -1.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
MBVT's Price/Tangible Book is ranked lower than
72% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MBVT: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
MBVT' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 1.68 Max: 2.78
Current: 1.61
1.18
2.78
Price/Projected FCF 0.88
MBVT's Price/Projected FCF is ranked lower than
69% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. MBVT: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
MBVT' s 10-Year Price/Projected FCF Range
Min: 0.41  Med: 0.80 Max: 1.61
Current: 0.88
0.41
1.61
Price/Median PS Value 1.17
MBVT's Price/Median PS Value is ranked lower than
60% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. MBVT: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
MBVT' s 10-Year Price/Median PS Value Range
Min: 0.4  Med: 0.99 Max: 1.73
Current: 1.17
0.4
1.73
Price/Graham Number 1.11
MBVT's Price/Graham Number is ranked lower than
70% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. MBVT: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
MBVT' s 10-Year Price/Graham Number Range
Min: 0.62  Med: 0.97 Max: 1.43
Current: 1.11
0.62
1.43
Earnings Yield (Greenblatt) (%) 9.55
MBVT's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MBVT: 9.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MBVT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.5  Med: 9.00 Max: 40.9
Current: 9.55
3.5
40.9
Forward Rate of Return (Yacktman) (%) 3.77
MBVT's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MBVT: 3.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MBVT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.7  Med: 9.70 Max: 23.7
Current: 3.77
-1.7
23.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Merchants Bancshares Inc is a bank holding company organized under Vermont law in 1983. Merchants Bank, the Company's primary subsidiary, is a Vermont commercial bank with 32 full-service banking offices located throughout the state of Vermont. The Company, through its subsidiary, offers a full range of deposit, loan, cash management, and trust services to meet the financial needs of individual consumers, businesses and municipalities at 32 full-service banking offices throughout the state of Vermont. Its trust division offers investment management, financial planning and trustee services. The Company competes in Vermont for deposit and loan business not only with other commercial and savings banks, and savings and loan associations, but also with credit unions and other non-bank financial providers. It is subject to extensive regulation and supervision, including, in many cases, regulation that limits the type and scope of its activities.
» More Articles for MBVT

Headlines

Articles On GuruFocus.com
Merchants Bancshares, Inc. Announces Appointment of Chief Financial Officer Oct 15 2014 
High Yield Stocks With Ex-Dividend Date August 2011 Jul 24 2011 
Merchants Bancshares Inc. Reports Operating Results (10-K) Mar 15 2011 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Nov 05 2010 
Merchants Bancshares Inc. (MBVT) CFO,Treasurer Janet P Spitler sells 1,000 Shares Aug 10 2010 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Aug 08 2009 
Merchants Bancshares Inc. (MBVT) SVP, CFO and Treasurer Janet P Spitler sells 5,600 Shares Aug 07 2009 
Merchants Bancshares Inc. Reports Operating Results (10-Q) May 08 2009 
Merchants Bancshares, Inc. Announces Strong 2008 Results, Loans Increase 16%, EPS Increases 11% Jan 28 2009 

More From Other Websites
Michael Cataldo Joins Merchants Bank as SVP, Director of Operations Jun 29 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 29 2015
Michael Cataldo Joins Merchants Bank as SVP, Director of Operations Jun 29 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 28 2015
MERCHANTS BANCSHARES INC Financials May 13 2015
10-Q for Merchants Bancshares, Inc. May 08 2015
MERCHANTS BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 06 2015
10-K for Merchants Bancshares, Inc. May 05 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K/A, Entry into a Material Definitive Agreement,... Apr 28 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation... Apr 27 2015
Merchants Bancshares, Inc. Announces Dividend and First Quarter 2015 Results Apr 27 2015
Merchant Bancshares posts 1Q profit Apr 27 2015
Merchant Bancshares posts 1Q profit Apr 27 2015
Merchants Bancshares Eyes Growth Opportunity Through Agreement To Acquire NUVO Bank & Trust Company Apr 27 2015
Merchants Bancshares, Inc. Announces Dividend and First Quarter 2015 Results Apr 27 2015
Q1 2015 Merchants Bancshares Inc Earnings Release - After Market Close Apr 27 2015
Merchants Bancshares, Inc. Announces First Quarter 2015 Earnings Release Date and Conference Call Apr 02 2015
Merchants Bancshares, Inc. Announces First Quarter 2015 Earnings Release Date and Conference Call Apr 02 2015
MERCHANTS BANCSHARES INC Files SEC form 10-K, Annual Report Mar 13 2015
Merchants Bancshares, Inc. Announces 2015 Annual Meeting Information Mar 04 2015

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