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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
77% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. MBVT: 2.96 )
MBVT' s 10-Year Cash to Debt Range
Min: 0.21   Max: 22.69
Current: 2.96

0.21
22.69
Equity to Asset 0.08
MBVT's Equity to Asset is ranked higher than
61% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBVT: 0.08 )
MBVT' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.08

0.06
0.1
Interest Coverage 3.46
MBVT's Interest Coverage is ranked higher than
84% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MBVT: 3.46 )
MBVT' s 10-Year Interest Coverage Range
Min: 0.43   Max: 3.98
Current: 3.46

0.43
3.98
F-Score: 4
Z-Score: 0.23
WACC vs ROIC
12.65%
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 higher than
69% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. MBVT: 26.76 )
MBVT' s 10-Year Operating margin (%) Range
Min: 20.67   Max: 37.91
Current: 26.76

20.67
37.91
Net-margin (%) 20.97
MBVT's Net-margin (%) is ranked higher than
72% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. MBVT: 20.97 )
MBVT' s 10-Year Net-margin (%) Range
Min: 16.02   Max: 27.63
Current: 20.97

16.02
27.63
ROE (%) 9.61
MBVT's ROE (%) is ranked higher than
78% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. MBVT: 9.61 )
MBVT' s 10-Year ROE (%) Range
Min: 9.88   Max: 18.09
Current: 9.61

9.88
18.09
ROA (%) 0.72
MBVT's ROA (%) is ranked higher than
69% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBVT: 0.72 )
MBVT' s 10-Year ROA (%) Range
Min: 0.7   Max: 1.61
Current: 0.72

0.7
1.61
ROC (Joel Greenblatt) (%) 98.92
MBVT's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. MBVT: 98.92 )
MBVT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 32.84   Max: 168.66
Current: 98.92

32.84
168.66
Revenue Growth (3Y)(%) -1.60
MBVT's Revenue Growth (3Y)(%) is ranked higher than
64% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MBVT: -1.60 )
MBVT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 10.6
Current: -1.6

0
10.6
EBITDA Growth (3Y)(%) -3.30
MBVT's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. MBVT: -3.30 )
MBVT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 13.5
Current: -3.3

0
13.5
EPS Growth (3Y)(%) -6.70
MBVT's EPS Growth (3Y)(%) is ranked higher than
59% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. MBVT: -6.70 )
MBVT' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.7   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) 15.40
MBVT's P/E(ttm) is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. MBVT: 15.40 )
MBVT' s 10-Year P/E(ttm) Range
Min: 8.3   Max: 17.67
Current: 15.4

8.3
17.67
Forward P/E 10.80
MBVT's Forward P/E is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 10.80 )
N/A
PE(NRI) 15.30
MBVT's PE(NRI) is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. MBVT: 15.30 )
MBVT' s 10-Year PE(NRI) Range
Min: 8.3   Max: 17.63
Current: 15.3

8.3
17.63
P/B 1.40
MBVT's P/B is ranked higher than
67% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. MBVT: 1.40 )
MBVT' s 10-Year P/B Range
Min: 1.18   Max: 3.21
Current: 1.4

1.18
3.21
P/S 3.22
MBVT's P/S is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. MBVT: 3.22 )
MBVT' s 10-Year P/S Range
Min: 1.92   Max: 4.64
Current: 3.22

1.92
4.64
PFCF 12.90
MBVT's PFCF is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 12.90 )
MBVT' s 10-Year PFCF Range
Min: 4.64   Max: 103.07
Current: 12.9

4.64
103.07
POCF 10.85
MBVT's POCF is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. MBVT: 10.85 )
MBVT' s 10-Year POCF Range
Min: 4.33   Max: 32.07
Current: 10.85

4.33
32.07
EV-to-EBIT 9.04
MBVT's EV-to-EBIT is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. MBVT: 9.04 )
MBVT' s 10-Year EV-to-EBIT Range
Min: 2.4   Max: 28.6
Current: 9.04

2.4
28.6
Shiller P/E 12.10
MBVT's Shiller P/E is ranked higher than
93% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 12.10 )
MBVT' s 10-Year Shiller P/E Range
Min: 8.25   Max: 17.18
Current: 12.1

8.25
17.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.83
MBVT's Dividend Yield is ranked higher than
76% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. MBVT: 3.83 )
MBVT' s 10-Year Dividend Yield Range
Min: 3.22   Max: 6.59
Current: 3.83

3.22
6.59
Dividend Payout 0.59
MBVT's Dividend Payout is ranked higher than
67% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. MBVT: 0.59 )
MBVT' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.82
Current: 0.59

0.21
0.82
Yield on cost (5-Year) 3.80
MBVT's Yield on cost (5-Year) is ranked higher than
65% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. MBVT: 3.80 )
MBVT' s 10-Year Yield on cost (5-Year) Range
Min: 3.22   Max: 6.59
Current: 3.8

3.22
6.59
Share Buyback Rate -0.60
MBVT's Share Buyback Rate is ranked higher than
79% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MBVT: -0.60 )
MBVT' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -1.1
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
MBVT's Price/Tangible Book is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. MBVT: 1.40 )
MBVT' s 10-Year Price/Tangible Book Range
Min: 0.99   Max: 2.78
Current: 1.4

0.99
2.78
Price/DCF (Projected) 0.80
MBVT's Price/DCF (Projected) is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 0.80 )
MBVT' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 1.61
Current: 0.8

0.41
1.61
Price/Median PS Value 1.00
MBVT's Price/Median PS Value is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MBVT: 1.00 )
MBVT' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.73
Current: 1

0.4
1.73
Price/Graham Number 1.00
MBVT's Price/Graham Number is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MBVT: 1.00 )
MBVT' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 1.43
Current: 1

0.62
1.43
Earnings Yield (Greenblatt) 11.20
MBVT's Earnings Yield (Greenblatt) is ranked higher than
87% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MBVT: 11.20 )
MBVT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 40.9
Current: 11.2

3.5
40.9
Forward Rate of Return (Yacktman) 4.90
MBVT's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. MBVT: 4.90 )
MBVT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.7   Max: 23.7
Current: 4.9

-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 originally organized under Vermont law in 1983 for the purposes of owning all of the outstanding capital stock of The Merchants Bank (Merchants Bank) and providing greater flexibility in helping Merchants Bank achieve its business objectives. Merchants Bank, which is Merchants' main subsidiary, is a Vermont commercial bank with 34 full-service banking offices. The Company's retail deposit products include interest bearing and non-interest bearing checking accounts, money market accounts, club accounts, health savings accounts, and short-term and long-term certificates of deposit including a popular flexible CD instrument. The Company also offers customary check collection services, wire transfers, safe deposit box rentals, and automated teller machine and debit cards. Credit programs include secured and unsecured installment lending, home equity lines of credit, home mortgages, and credit cards. The Company offers a package of business banking services including a low cost business checking account, a money market account, and an overdraft protection line of credit. The Company offers a variety of commercial checking accounts. Commercial checking uses an earnings credit rate to help offset service charges. The Company offers Rewards Checking for Business, a low cost checking account that is appropriate for all but high volume commercial deposit customers. Merchants' cash management services include investment sweep, line of credit sweep, multiple sweep, and funds concentration. The Company offers an overnight cash management sweep program. It also offers remote deposit capture. This service enables commercial customers to deposit checks electronically into Merchants' checking accounts from their business location. It offers commercial online banking, a commercial banking and bill payment service delivered via the Internet. This service allows businesses to view their account histories, print statements, view check images, order stop payments, transfer between accounts, transmit ACH batches, and order wire transfers. Other miscellaneous commercial banking services include lock box services, night depository, coin and currency handling, and balance reporting services.
» 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
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
Merchants Bancshares, Inc. Announces 2015 Annual Meeting Information Mar 04 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Other Events Mar 03 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Other Events Feb 03 2015
Merchant Bancshares posts 4Q profit Jan 29 2015

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