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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.72
MCBF's Cash to Debt is ranked higher than
79% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MCBF: 1.72 )
MCBF' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.72

Equity to Asset 0.11
MCBF's Equity to Asset is ranked higher than
76% of the 1742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MCBF: 0.11 )
MCBF' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.19
Current: 0.11

0.05
0.19
F-Score: 1
Z-Score: -0.01
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 : 2/10

vs
industry
vs
history
Operating margin (%) -9.85
MCBF's Operating margin (%) is ranked lower than
51% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. MCBF: -9.85 )
MCBF' s 10-Year Operating margin (%) Range
Min: -147.84   Max: 18.8
Current: -9.85

-147.84
18.8
Net-margin (%) -9.85
MCBF's Net-margin (%) is ranked lower than
51% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. MCBF: -9.85 )
MCBF' s 10-Year Net-margin (%) Range
Min: -143.78   Max: 21.56
Current: -9.85

-143.78
21.56
ROE (%) -6.38
MCBF's ROE (%) is ranked lower than
51% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. MCBF: -6.38 )
MCBF' s 10-Year ROE (%) Range
Min: -65.27   Max: 4.41
Current: -6.38

-65.27
4.41
ROA (%) -0.55
MCBF's ROA (%) is ranked lower than
51% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MCBF: -0.55 )
MCBF' s 10-Year ROA (%) Range
Min: -6.75   Max: 0.61
Current: -0.55

-6.75
0.61
ROC (Joel Greenblatt) (%) -25.48
MCBF's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. MCBF: -25.48 )
MCBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -447.02   Max: 62.55
Current: -25.48

-447.02
62.55
Revenue Growth (%) -36.80
MCBF's Revenue Growth (%) is ranked higher than
51% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MCBF: -36.80 )
MCBF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.6
Current: -36.8

0
12.6
EBITDA Growth (%) -68.10
MCBF's EBITDA Growth (%) is ranked higher than
51% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MCBF: -68.10 )
MCBF' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -15.2
Current: -68.1

EPS Growth (%) -60.60
MCBF's EPS Growth (%) is ranked higher than
52% of the 1361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MCBF: -60.60 )
MCBF' s 10-Year EPS Growth (%) Range
Min: 0   Max: 26.7
Current: -60.6

0
26.7
» MCBF's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with MCBF

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Ratios

vs
industry
vs
history
P/B 1.20
MCBF's P/B is ranked higher than
67% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. MCBF: 1.20 )
MCBF' s 10-Year P/B Range
Min: 0.06   Max: 1.63
Current: 1.2

0.06
1.63
P/S 1.60
MCBF's P/S is ranked higher than
99% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. MCBF: 1.60 )
MCBF' s 10-Year P/S Range
Min: 0.1   Max: 5.15
Current: 1.6

0.1
5.15
PFCF 16.30
MCBF's PFCF is ranked higher than
52% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. MCBF: 16.30 )
MCBF' s 10-Year PFCF Range
Min: 0.51   Max: 28.17
Current: 16.3

0.51
28.17
EV-to-EBIT -8.72
MCBF's EV-to-EBIT is ranked lower than
59% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. MCBF: -8.72 )
MCBF' s 10-Year EV-to-EBIT Range
Min: 30.6   Max: 259.8
Current: -8.72

30.6
259.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
MCBF's Price/Tangible Book is ranked higher than
72% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. MCBF: 1.20 )
MCBF' s 10-Year Price/Tangible Book Range
Min: 0.06   Max: 1.63
Current: 1.2

0.06
1.63
Price/DCF (Projected) 1.20
MCBF's Price/DCF (Projected) is ranked higher than
52% of the 1179 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.59 vs. MCBF: 1.20 )
MCBF' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.61
Current: 1.2

0.05
1.61
Price/Median PS Value 0.51
MCBF's Price/Median PS Value is ranked higher than
98% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MCBF: 0.51 )
MCBF' s 10-Year Price/Median PS Value Range
Min: 0.15   Max: 7.66
Current: 0.51

0.15
7.66
Earnings Yield (Greenblatt) 123.30
MCBF's Earnings Yield (Greenblatt) is ranked higher than
99% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MCBF: 123.30 )
MCBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 3.3
Current: 123.3

0.4
3.3
Forward Rate of Return (Yacktman) 18.95
MCBF's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. MCBF: 18.95 )
MCBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 31.3   Max: 139.3
Current: 18.95

31.3
139.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Monarch Community Bancorp, Inc., was incorporated in March 2002 under Maryland law. It is the holding Company for Monarch Community Bank. Monarch Community Bank provides several banking services to its main market area of Branch, Calhoun and Hillsdale counties, Michigan. The Bank owns 100% ownership of First Insurance Agency. First Insurance Agency is a licensed insurance agency established to allow for the receipt of fees on insurance services provided to the Bank's customers. Its main business consists of attracting retail deposits from the general public and investing those funds mainly in permanent loans secured by first mortgages on owner-occupied, one-to-four family residences, loans secured by commercial and multi-family real estate, commercial business loans and construction loans secured mainly by residential real estate. The Company also originates home equity loans and a variety of consumer loans. Its revenues are derived mainly from interest on loans, investment securities and overnight deposits, as well as from sales of loans and fees and charges on deposit accounts. It offers a variety of deposit accounts having a range of interest rates and terms, which generally include passbook and statement savings accounts, money market deposit accounts, interest bearing and non-interest bearing checking accounts and certificates of deposit with varied terms ranging from six months to 60 months. It solicits deposits in its market area and utilizes brokered deposits. The Company has focused its lending efforts mainly on the origination of loans secured by first mortgages on owner-occupied, one-to-four family residences in its market area. It offers a variety of multi-family and commercial real estate loans. Its sources of funds are deposits, borrowings, receipt of principal and interest on loans, interest earned on or maturation of investment securities and overnight funds and funds provided from operations.

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