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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 5.23
MBVT's Cash to Debt is ranked higher than
58% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MBVT: 5.23 )
Ranked among companies with meaningful Cash to Debt only.
MBVT' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 1.30 Max: 22.69
Current: 5.23
0.21
22.69
Equity to Asset 0.07
MBVT's Equity to Asset is ranked lower than
78% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MBVT: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
MBVT' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.1
Current: 0.07
0.06
0.1
Interest Coverage 3.90
MBVT's Interest Coverage is ranked higher than
73% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. MBVT: 3.90 )
Ranked among companies with meaningful Interest Coverage only.
MBVT' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 1.47 Max: 3.98
Current: 3.9
0.54
3.98
F-Score: 5
WACC vs ROIC
11.30%
23.22%
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 (%) 26.33
MBVT's Operating margin (%) is ranked lower than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. MBVT: 26.33 )
Ranked among companies with meaningful Operating margin (%) only.
MBVT' s Operating margin (%) Range Over the Past 10 Years
Min: 26.86  Med: 30.37 Max: 33.36
Current: 26.33
26.86
33.36
Net-margin (%) 21.02
MBVT's Net-margin (%) is ranked lower than
55% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. MBVT: 21.02 )
Ranked among companies with meaningful Net-margin (%) only.
MBVT' s Net-margin (%) Range Over the Past 10 Years
Min: 20.65  Med: 23.74 Max: 25.44
Current: 21.02
20.65
25.44
ROE (%) 9.50
MBVT's ROE (%) is ranked higher than
62% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. MBVT: 9.50 )
Ranked among companies with meaningful ROE (%) only.
MBVT' s ROE (%) Range Over the Past 10 Years
Min: 9.88  Med: 14.82 Max: 18.09
Current: 9.5
9.88
18.09
ROA (%) 0.71
MBVT's ROA (%) is ranked lower than
60% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MBVT: 0.71 )
Ranked among companies with meaningful ROA (%) only.
MBVT' s ROA (%) Range Over the Past 10 Years
Min: 0.7  Med: 0.94 Max: 1.13
Current: 0.71
0.7
1.13
Revenue Growth (3Y)(%) -2.40
MBVT's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MBVT: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MBVT' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.75 Max: 10.6
Current: -2.4
0
10.6
EBITDA Growth (3Y)(%) -3.30
MBVT's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MBVT: -3.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MBVT' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.55 Max: 13.5
Current: -3.3
0
13.5
EPS Growth (3Y)(%) -6.60
MBVT's EPS Growth (3Y)(%) is ranked lower than
74% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MBVT: -6.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MBVT' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.6  Med: 4.80 Max: 18.1
Current: -6.6
-6.6
18.1
» MBVT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

MBVT Guru Trades in Q1 2015

Jim Simons 39,300 sh (-3.20%)
» More
Q2 2015

MBVT Guru Trades in Q2 2015

Jim Simons 41,600 sh (+5.85%)
» More
Q3 2015

MBVT Guru Trades in Q3 2015

Jim Simons 45,600 sh (+9.62%)
» More
Q4 2015

MBVT Guru Trades in Q4 2015

Jim Simons 49,800 sh (+9.21%)
» 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) 13.58
MBVT's P/E(ttm) is ranked lower than
63% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. MBVT: 13.58 )
Ranked among companies with meaningful P/E(ttm) only.
MBVT' s P/E(ttm) Range Over the Past 10 Years
Min: 8.3  Med: 12.78 Max: 18
Current: 13.58
8.3
18
Forward P/E 10.62
MBVT's Forward P/E is ranked lower than
65% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. MBVT: 10.62 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.58
MBVT's PE(NRI) is ranked lower than
57% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. MBVT: 13.58 )
Ranked among companies with meaningful PE(NRI) only.
MBVT' s PE(NRI) Range Over the Past 10 Years
Min: 8.3  Med: 12.83 Max: 18
Current: 13.58
8.3
18
P/B 1.15
MBVT's P/B is ranked lower than
65% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MBVT: 1.15 )
Ranked among companies with meaningful P/B only.
MBVT' s P/B Range Over the Past 10 Years
Min: 1.15  Med: 1.57 Max: 2.68
Current: 1.15
1.15
2.68
P/S 2.98
MBVT's P/S is ranked lower than
61% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. MBVT: 2.98 )
Ranked among companies with meaningful P/S only.
MBVT' s P/S Range Over the Past 10 Years
Min: 1.92  Med: 3.07 Max: 4.64
Current: 2.98
1.92
4.64
PFCF 11.99
MBVT's PFCF is ranked lower than
68% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. MBVT: 11.99 )
Ranked among companies with meaningful PFCF only.
MBVT' s PFCF Range Over the Past 10 Years
Min: 5.16  Med: 11.57 Max: 103.07
Current: 11.99
5.16
103.07
POCF 10.91
MBVT's POCF is ranked lower than
71% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. MBVT: 10.91 )
Ranked among companies with meaningful POCF only.
MBVT' s POCF Range Over the Past 10 Years
Min: 4.71  Med: 9.43 Max: 32.07
Current: 10.91
4.71
32.07
EV-to-EBIT 6.05
MBVT's EV-to-EBIT is ranked higher than
86% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. MBVT: 6.05 )
Ranked among companies with meaningful EV-to-EBIT only.
MBVT' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.4  Med: 10.65 Max: 28.6
Current: 6.05
2.4
28.6
EV-to-EBITDA 5.35
MBVT's EV-to-EBITDA is ranked higher than
86% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. MBVT: 5.35 )
Ranked among companies with meaningful EV-to-EBITDA only.
MBVT' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.1  Med: 9.70 Max: 23
Current: 5.35
2.1
23
Shiller P/E 12.06
MBVT's Shiller P/E is ranked higher than
69% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. MBVT: 12.06 )
Ranked among companies with meaningful Shiller P/E only.
MBVT' s Shiller P/E Range Over the Past 10 Years
Min: 7.98  Med: 12.06 Max: 14.67
Current: 12.06
7.98
14.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.07
MBVT's Dividend Yield is ranked higher than
67% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MBVT: 4.07 )
Ranked among companies with meaningful Dividend Yield only.
MBVT' s Dividend Yield Range Over the Past 10 Years
Min: 3.35  Med: 4.27 Max: 6.59
Current: 4.07
3.35
6.59
Dividend Payout 0.55
MBVT's Dividend Payout is ranked lower than
78% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. MBVT: 0.55 )
Ranked among companies with meaningful Dividend Payout only.
MBVT' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.50 Max: 0.82
Current: 0.55
0.21
0.82
Forward Dividend Yield 4.07
MBVT's Forward Dividend Yield is ranked higher than
67% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. MBVT: 4.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.10
MBVT's Yield on cost (5-Year) is ranked higher than
59% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. MBVT: 4.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MBVT' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.35  Med: 4.27 Max: 6.59
Current: 4.1
3.35
6.59
3-Year Average Share Buyback Ratio -0.60
MBVT's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MBVT: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MBVT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.1  Med: -0.15 Max: 2.9
Current: -0.6
-1.1
2.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
MBVT's Price/Tangible Book is ranked lower than
62% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MBVT: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
MBVT' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.18  Med: 1.68 Max: 2.78
Current: 1.25
1.18
2.78
Price/Projected FCF 0.71
MBVT's Price/Projected FCF is ranked lower than
59% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MBVT: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
MBVT' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.80 Max: 1.57
Current: 0.71
0.41
1.57
Price/Median PS Value 0.97
MBVT's Price/Median PS Value is ranked lower than
55% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MBVT: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
MBVT' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 0.99 Max: 1.74
Current: 0.97
0.5
1.74
Price/Graham Number 0.88
MBVT's Price/Graham Number is ranked lower than
60% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. MBVT: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
MBVT' s Price/Graham Number Range Over the Past 10 Years
Min: 0.63  Med: 0.97 Max: 1.43
Current: 0.88
0.63
1.43
Earnings Yield (Greenblatt) (%) 16.46
MBVT's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MBVT: 16.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MBVT' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.5  Med: 9.40 Max: 40.9
Current: 16.46
3.5
40.9
Forward Rate of Return (Yacktman) (%) 6.52
MBVT's Forward Rate of Return (Yacktman) (%) is ranked lower than
67% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MBVT: 6.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MBVT' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.6  Med: 9.80 Max: 18.5
Current: 6.52
0.6
18.5

More Statistics

Revenue(Mil) $60
EPS $ 1.99
Beta1.21
Short Percentage of Float1.71%
52-Week Range $27.00 - 34.00
Shares Outstanding(Mil)6.34

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.40 2.59
EPS without NRI($) 2.40 2.59

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
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 

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