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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 0.30
MBVT's Cash-to-Debt is ranked lower than
59% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. MBVT: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
MBVT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.22  Med: 1.35 Max: 15.83
Current: 0.3
0.22
15.83
Equity-to-Asset 0.08
MBVT's Equity-to-Asset is ranked lower than
70% of the 1591 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.1
Current: 0.08
0.06
0.1
Interest Coverage 4.42
MBVT's Interest Coverage is ranked higher than
77% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MBVT: 4.42 )
Ranked among companies with meaningful Interest Coverage only.
MBVT' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 2.53 Max: 4.42
Current: 4.42
0.54
4.42
Beneish M-Score: -2.36
WACC vs ROIC
7.65%
10.00%
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 : 4/10

vs
industry
vs
history
Operating Margin % 29.21
MBVT's Operating Margin % is ranked lower than
57% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. MBVT: 29.21 )
Ranked among companies with meaningful Operating Margin % only.
MBVT' s Operating Margin % Range Over the Past 10 Years
Min: 26.33  Med: 29.34 Max: 33.36
Current: 29.21
26.33
33.36
Net Margin % 21.82
MBVT's Net Margin % is ranked lower than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. MBVT: 21.82 )
Ranked among companies with meaningful Net Margin % only.
MBVT' s Net Margin % Range Over the Past 10 Years
Min: 20.65  Med: 22.81 Max: 25.44
Current: 21.82
20.65
25.44
ROE % 9.59
MBVT's ROE % is ranked higher than
60% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. MBVT: 9.59 )
Ranked among companies with meaningful ROE % only.
MBVT' s ROE % Range Over the Past 10 Years
Min: 9.21  Med: 13.67 Max: 16.28
Current: 9.59
9.21
16.28
ROA % 0.75
MBVT's ROA % is ranked lower than
60% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MBVT: 0.75 )
Ranked among companies with meaningful ROA % only.
MBVT' s ROA % Range Over the Past 10 Years
Min: 0.67  Med: 0.91 Max: 1.06
Current: 0.75
0.67
1.06
3-Year Revenue Growth Rate 0.90
MBVT's 3-Year Revenue Growth Rate is ranked lower than
67% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MBVT: 0.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MBVT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.4  Med: 1.2 Max: 10.6
Current: 0.9
-8.4
10.6
3-Year EBITDA Growth Rate -3.60
MBVT's 3-Year EBITDA Growth Rate is ranked lower than
78% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MBVT: -3.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MBVT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -51.7  Med: 1.7 Max: 144.7
Current: -3.6
-51.7
144.7
3-Year EPS without NRI Growth Rate -3.50
MBVT's 3-Year EPS without NRI Growth Rate is ranked lower than
77% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MBVT: -3.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MBVT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -6.7  Med: 2.75 Max: 18.1
Current: -3.5
-6.7
18.1
GuruFocus has detected 6 Warning Signs with Merchants Bancshares Inc $MBVT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MBVT's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

MBVT Guru Trades in Q1 2016

Jim Simons 55,800 sh (+12.05%)
» More
Q2 2016

MBVT Guru Trades in Q2 2016

Jim Simons 72,700 sh (+30.29%)
» More
Q3 2016

MBVT Guru Trades in Q3 2016

Jim Simons 83,900 sh (+15.41%)
» More
Q4 2016

MBVT Guru Trades in Q4 2016

Jim Simons 139,400 sh (+66.15%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:MCBC, NAS:OSBC, NAS:ANCX, NAS:WNEB, NAS:AMNB, NAS:OLBK, NAS:WFBI, NAS:PFIS, NAS:CCBG, OTCPK:CNBKB, NAS:CCNE, NAS:FFKT, NAS:WTBA, NAS:HMPR, NAS:CHFN, NAS:FNLC, NAS:BSRR, NAS:PBNC, NAS:MBRG, NAS:ATLO » details
Headquarter Location:USA
Merchants Bancshares Inc operates as a bank holding company. The Company provides commercial banking products, including deposit, loan, cash management, and trust services to individual consumers, businesses and municipalities.

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.

Ratios

vs
industry
vs
history
PE Ratio 22.94
MBVT's PE Ratio is ranked lower than
81% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. MBVT: 22.94 )
Ranked among companies with meaningful PE Ratio only.
MBVT' s PE Ratio Range Over the Past 10 Years
Min: 8.3  Med: 12.83 Max: 25.21
Current: 22.94
8.3
25.21
PE Ratio without NRI 22.94
MBVT's PE Ratio without NRI is ranked lower than
81% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. MBVT: 22.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
MBVT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.3  Med: 12.83 Max: 25.21
Current: 22.94
8.3
25.21
Price-to-Owner-Earnings 28.84
MBVT's Price-to-Owner-Earnings is ranked lower than
86% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. MBVT: 28.84 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MBVT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.11  Med: 13.48 Max: 143.78
Current: 28.84
4.11
143.78
PB Ratio 2.19
MBVT's PB Ratio is ranked lower than
86% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MBVT: 2.19 )
Ranked among companies with meaningful PB Ratio only.
MBVT' s PB Ratio Range Over the Past 10 Years
Min: 1.18  Med: 1.54 Max: 2.39
Current: 2.19
1.18
2.39
PS Ratio 5.04
MBVT's PS Ratio is ranked lower than
76% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. MBVT: 5.04 )
Ranked among companies with meaningful PS Ratio only.
MBVT' s PS Ratio Range Over the Past 10 Years
Min: 1.92  Med: 3.01 Max: 5.51
Current: 5.04
1.92
5.51
Price-to-Free-Cash-Flow 15.64
MBVT's Price-to-Free-Cash-Flow is ranked lower than
63% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. MBVT: 15.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MBVT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.15  Med: 10.75 Max: 101.98
Current: 15.64
5.15
101.98
Price-to-Operating-Cash-Flow 15.50
MBVT's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. MBVT: 15.50 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MBVT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.71  Med: 9.19 Max: 32.03
Current: 15.5
4.71
32.03
EV-to-EBIT 15.54
MBVT's EV-to-EBIT is ranked lower than
64% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. MBVT: 15.54 )
Ranked among companies with meaningful EV-to-EBIT only.
MBVT' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.4  Med: 9.85 Max: 26.1
Current: 15.54
2.4
26.1
EV-to-EBITDA 14.29
MBVT's EV-to-EBITDA is ranked lower than
62% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. MBVT: 14.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
MBVT' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.1  Med: 9.35 Max: 20.4
Current: 14.29
2.1
20.4
Shiller PE Ratio 21.47
MBVT's Shiller PE Ratio is ranked lower than
51% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. MBVT: 21.47 )
Ranked among companies with meaningful Shiller PE Ratio only.
MBVT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.98  Med: 12.33 Max: 23.36
Current: 21.47
7.98
23.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.23
MBVT's Dividend Yield % is ranked lower than
58% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. MBVT: 2.23 )
Ranked among companies with meaningful Dividend Yield % only.
MBVT' s Dividend Yield % Range Over the Past 10 Years
Min: 2.07  Med: 4.15 Max: 6.59
Current: 2.23
2.07
6.59
Dividend Payout Ratio 0.52
MBVT's Dividend Payout Ratio is ranked lower than
77% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MBVT: 0.52 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MBVT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.45  Med: 0.53 Max: 0.64
Current: 0.52
0.45
0.64
Forward Dividend Yield % 2.21
MBVT's Forward Dividend Yield % is ranked lower than
63% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. MBVT: 2.21 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.23
MBVT's 5-Year Yield-on-Cost % is ranked lower than
67% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. MBVT: 2.23 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MBVT' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.07  Med: 4.15 Max: 6.59
Current: 2.23
2.07
6.59
3-Year Average Share Buyback Ratio -2.90
MBVT's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MBVT: -2.90 )
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: -4.8  Med: -0.45 Max: 2.7
Current: -2.9
-4.8
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.29
MBVT's Price-to-Tangible-Book is ranked lower than
84% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MBVT: 2.29 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MBVT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.88  Med: 1.6 Max: 2.78
Current: 2.29
0.88
2.78
Price-to-Intrinsic-Value-Projected-FCF 1.17
MBVT's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MBVT: 1.17 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MBVT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.76 Max: 1.27
Current: 1.17
0.47
1.27
Price-to-Median-PS-Value 1.69
MBVT's Price-to-Median-PS-Value is ranked lower than
84% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. MBVT: 1.69 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MBVT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 0.99 Max: 1.83
Current: 1.69
0.32
1.83
Price-to-Graham-Number 1.53
MBVT's Price-to-Graham-Number is ranked lower than
85% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. MBVT: 1.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MBVT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.99 Max: 1.68
Current: 1.53
0.47
1.68
Earnings Yield (Greenblatt) % 6.44
MBVT's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. MBVT: 6.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MBVT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.8  Med: 10.15 Max: 40.9
Current: 6.44
3.8
40.9
Forward Rate of Return (Yacktman) % 0.88
MBVT's Forward Rate of Return (Yacktman) % is ranked lower than
79% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. MBVT: 0.88 )
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: 7.65 Max: 20
Current: 0.88
0.6
20

More Statistics

Revenue (TTM) (Mil) $68.77
EPS (TTM) $ 2.17
Beta0.88
Short Percentage of Float4.43%
52-Week Range $28.16 - 54.80
Shares Outstanding (Mil)6.91

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 2.52
EPS without NRI ($) 2.52
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.12
» 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 

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