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28.82 (1y: +9%)
Market Cap 182.21 M P/E(ttm) 11.90
Enterprise Value 236.2 M P/B 1.53
MBVT- NAS (USA)
Merchants Bancshares Inc.
  • 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
$28.82
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GuruFocus Financial Strength Rank measures how strong a companyย’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 3.343
MBVT's Cash to Debt is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MBVT: 3.343 )
MBVT' s 10-Year Cash to Debt Range
Min: 0.22   Max: 15.83
Current: 3.34
0.22
15.83
Equity to Asset 0.069
MBVT's Equity to Asset is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBVT: 0.069 )
MBVT' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.07
0.06
0.1
Interest Coverage No Debt
MBVT's Interest Coverage is ranked lower than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MBVT: No Debt )
MBVT' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 31.20
MBVT's Operating margin (%) is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. MBVT: 31.20 )
MBVT' s 10-Year Operating margin (%) Range
Min: 26.9   Max: 37.9
Current: 31.2
26.9
37.9
Net-margin (%) 24.7
MBVT's Net-margin (%) is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MBVT: 24.7 )
MBVT' s 10-Year Net-margin (%) Range
Min: 20.6   Max: 27.6
Current: 24.7
20.6
27.6
ROE (%) 12.9
MBVT's ROE (%) is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MBVT: 12.9 )
MBVT' s 10-Year ROE (%) Range
Min: 12.9   Max: 18.3
Current: 12.9
12.9
18.3
ROA (%) 0.9
MBVT's ROA (%) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBVT: 0.9 )
MBVT' s 10-Year ROA (%) Range
Min: 0.9   Max: 1.5
Current: 0.9
0.9
1.5
Revenue Growth (%) -0.3
MBVT's Revenue Growth (%) is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MBVT: -0.3 )
MBVT' s 10-Year Revenue Growth (%) Range
Min: -0.8   Max: 7.8
Current: -0.3
-0.8
7.8
EBITDA Growth (%) 3
MBVT's EBITDA Growth (%) is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. MBVT: 3 )
MBVT' s 10-Year EBITDA Growth (%) Range
Min: -5.8   Max: 11.7
Current: 3
-5.8
11.7
EPS Growth (%) 4.4
MBVT's EPS Growth (%) is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. MBVT: 4.4 )
MBVT' s 10-Year EPS Growth (%) Range
Min: -1.9   Max: 9.3
Current: 4.4
-1.9
9.3
ยป MBVT's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

MBVT Guru Trades in Q2 2012

Jim Simons 14,000 sh (+19.66%)
» More
Q3 2012

MBVT Guru Trades in Q3 2012

Jim Simons 15,515 sh (+10.82%)
» More
Q4 2012

MBVT Guru Trades in Q4 2012

Jim Simons 18,600 sh (+19.88%)
» More
Q1 2013

MBVT Guru Trades in Q1 2013

Jim Simons 21,800 sh (+17.2%)
» More
» Details

Insider Trades

Latest Guru Trades with MBVT



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.90
MBVT's P/E(ttm) is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MBVT: 11.90 )
MBVT' s 10-Year P/E(ttm) Range
Min: 7.6   Max: 17.63
Current: 11.9
7.6
17.63
P/B 1.53
MBVT's P/B is ranked lower than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MBVT: 1.53 )
MBVT' s 10-Year P/B Range
Min: 1.18   Max: 4.26
Current: 1.53
1.18
4.26
P/S 2.95
MBVT's P/S is ranked lower than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MBVT: 2.95 )
MBVT' s 10-Year P/S Range
Min: 1.92   Max: 4.35
Current: 2.95
1.92
4.35
PFCF 16.38
MBVT's PFCF is ranked lower than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MBVT: 16.38 )
MBVT' s 10-Year PFCF Range
Min: 4.33   Max: 103.72
Current: 16.38
4.33
103.72
EV-to-EBIT 12.2
MBVT's EV-to-EBIT is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. MBVT: 12.2 )
MBVT' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 28.6
Current: 12.2
4.1
28.6
PEG 3.61
MBVT's PEG is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. MBVT: 3.61 )
MBVT' s 10-Year PEG Range
Min: 0.94   Max: 16.84
Current: 3.61
0.94
16.84
Shiller P/E 12.35
MBVT's Shiller P/E is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. MBVT: 12.35 )
MBVT' s 10-Year Shiller P/E Range
Min: 8.33   Max: 17.18
Current: 12.35
8.33
17.18

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.89
MBVT's Dividend Yield is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MBVT: 3.89 )
MBVT' s 10-Year Dividend Yield Range
Min: 3.13   Max: 6.59
Current: 3.89
3.13
6.59
Dividend Payout 0.5
MBVT's Dividend Payout is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. MBVT: 0.5 )
MBVT' s 10-Year Dividend Payout Range
Min: 0.34   Max: 0.65
Current: 0.5
0.34
0.65
Yield on cost (5-Year) 3.90
MBVT's Yield on cost (5-Year) is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. MBVT: 3.90 )
MBVT' s 10-Year Yield on cost (5-Year) Range
Min: 3.13   Max: 6.59
Current: 3.9
3.13
6.59
Share Buyback Rate -0.7
MBVT's Share Buyback Rate is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. MBVT: -0.7 )
MBVT' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -0.7
Current: -0.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.5
MBVT's Price/Tangible Book is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MBVT: 1.5 )
MBVT' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 2.8
Current: 1.5
1.4
2.8
Price/DCF (Projected) 0.8
MBVT's Price/DCF (Projected) is ranked higher than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. MBVT: 0.8 )
MBVT' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.8
Current: 0.8
0.5
0.8
Price/Median PS Value 1
MBVT's Price/Median PS Value is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBVT: 1 )
MBVT' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.3
Current: 1
0.7
1.3
Price/Graham Number 0.9
MBVT's Price/Graham Number is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MBVT: 0.9 )
MBVT' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.4
Current: 0.9
0.8
1.4
Earnings Yield (Greenblatt) 8.20
MBVT's Earnings Yield (Greenblatt) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MBVT: 8.20 )
MBVT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 24.2
Current: 8.2
3.5
24.2
Forward Rate of Return (Yacktman) 9.57
MBVT's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. MBVT: 9.57 )
MBVT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.2   Max: 23.7
Current: 9.57
4.2
23.7

Business Description

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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for MBVT

Headlines

Articles On GuruFocus.com
High Yield Stocks With Ex-Dividend Date August 2011 Jul 24 2011 
High Yields with Ex-Div. Date May 2011 Apr 26 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 

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