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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 0.53
NAS:MBCN's Cash-to-Debt is ranked lower than
74% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NAS:MBCN: 0.53 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:MBCN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.61 Max: N/A
Current: 0.53
Equity-to-Asset 0.09
NAS:MBCN's Equity-to-Asset is ranked lower than
64% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:MBCN: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:MBCN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.1
Current: 0.09
0.06
0.1
Interest Coverage 2.03
NAS:MBCN's Interest Coverage is ranked higher than
55% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. NAS:MBCN: 2.03 )
Ranked among companies with meaningful Interest Coverage only.
NAS:MBCN' s Interest Coverage Range Over the Past 10 Years
Min: 0.14  Med: 0.9 Max: 2.25
Current: 2.03
0.14
2.25
Beneish M-Score: -2.71
WACC vs ROIC
3.73%
6.29%
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 % 28.56
NAS:MBCN's Operating Margin % is ranked lower than
58% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NAS:MBCN: 28.56 )
Ranked among companies with meaningful Operating Margin % only.
NAS:MBCN' s Operating Margin % Range Over the Past 10 Years
Min: 10.09  Med: 28.6 Max: 34.55
Current: 28.56
10.09
34.55
Net Margin % 21.43
NAS:MBCN's Net Margin % is ranked lower than
54% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. NAS:MBCN: 21.43 )
Ranked among companies with meaningful Net Margin % only.
NAS:MBCN' s Net Margin % Range Over the Past 10 Years
Min: 10.52  Med: 22.69 Max: 26.96
Current: 21.43
10.52
26.96
ROE % 8.88
NAS:MBCN's ROE % is ranked higher than
53% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. NAS:MBCN: 8.88 )
Ranked among companies with meaningful ROE % only.
NAS:MBCN' s ROE % Range Over the Past 10 Years
Min: 4.96  Med: 10.01 Max: 12.91
Current: 8.88
4.96
12.91
ROA % 0.85
NAS:MBCN's ROA % is ranked lower than
54% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NAS:MBCN: 0.85 )
Ranked among companies with meaningful ROA % only.
NAS:MBCN' s ROA % Range Over the Past 10 Years
Min: 0.35  Med: 0.86 Max: 1.08
Current: 0.85
0.35
1.08
3-Year Revenue Growth Rate 2.90
NAS:MBCN's 3-Year Revenue Growth Rate is ranked lower than
58% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:MBCN: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:MBCN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.2  Med: 8.15 Max: 89.9
Current: 2.9
-1.2
89.9
3-Year EBITDA Growth Rate -3.20
NAS:MBCN's 3-Year EBITDA Growth Rate is ranked lower than
77% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NAS:MBCN: -3.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:MBCN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.7  Med: 7.8 Max: 44.7
Current: -3.2
-12.7
44.7
3-Year EPS without NRI Growth Rate -4.40
NAS:MBCN's 3-Year EPS without NRI Growth Rate is ranked lower than
78% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:MBCN: -4.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:MBCN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.5  Med: 5.65 Max: 41.8
Current: -4.4
-23.5
41.8
GuruFocus has detected 5 Warning Signs with Middlefield Banc Corp $NAS:MBCN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:MBCN's 30-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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CFFI, NAS:ASBB, OTCPK:TGRF, NAS:PKBK, NAS:NBN, NAS:UBFO, OTCPK:FVCB, OTCPK:CARE, NAS:PEBK, NAS:NWFL, NAS:BCBP, NAS:SBCP, NAS:ESXB, NAS:OPOF, NAS:UNTY, NAS:OVBC, OTCBB:FKYS, NAS:FFNW, NAS:ENFC, NAS:TRCB » details
Headquarter Location:USA
Middlefield Banc Corp is a bank holding company. The Company through its subsidiaries is engaged in the general commercial banking business in northeastern Ohio.

Middlefield Banc Corp was incorporated in 1988 under the Ohio General Corporation Law. It is a bank holding company of The Middlefield Banking Company, Emerald Bank and EMORECO Inc. The Middlefield Banking Company was chartered under Ohio law in 1901. It offers banking services such as checking, savings, and negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, commercial loans, real estate loans, and various types of consumer loans, safe deposit facilities, and travelers' checks. It also offers online banking and bill payment services to individuals and online cash management services to business customers. Its loan products include operational and working capital loans, loans to finance capital purchases, term business loans, residential construction loans, selected guaranteed or subsidized loan programs for small businesses, professional loans, residential mortgage and commercial mortgage loans, and consumer installment loans to purchase automobiles, boats, and for home improvement and other personal expenditures. The Middlefield Banking Company's market area in northeastern Ohio consists principally of Geauga, Portage, Trumbull, and Ashtabula Counties. Emerald Bank operates as a separate commercial bank subsidiary of the Company, offering essentially the same range of products and services in central Ohio as The Middlefield Banking Company. EMORECO Inc. was organized in 2009 as an Ohio corporation and maintains, manages, and ultimately disposes of nonperforming loans and other real estate owned acquired by subsidiary banks as the result of borrower default on real-estate-secured loans.

Ratios

vs
industry
vs
history
PE Ratio 16.70
MBCN's PE Ratio is ranked lower than
61% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. MBCN: 16.70 )
Ranked among companies with meaningful PE Ratio only.
MBCN' s PE Ratio Range Over the Past 10 Years
Min: 6.54  Med: 10.09 Max: 21.07
Current: 16.7
6.54
21.07
PE Ratio without NRI 16.70
MBCN's PE Ratio without NRI is ranked lower than
60% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MBCN: 16.70 )
Ranked among companies with meaningful PE Ratio without NRI only.
MBCN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.54  Med: 10.09 Max: 21.07
Current: 16.7
6.54
21.07
Price-to-Owner-Earnings 22.50
MBCN's Price-to-Owner-Earnings is ranked lower than
80% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. MBCN: 22.50 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MBCN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6  Med: 9.66 Max: 25.6
Current: 22.5
6
25.6
PB Ratio 1.44
MBCN's PB Ratio is ranked lower than
65% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MBCN: 1.44 )
Ranked among companies with meaningful PB Ratio only.
MBCN' s PB Ratio Range Over the Past 10 Years
Min: 0.61  Med: 0.99 Max: 2.18
Current: 1.44
0.61
2.18
PS Ratio 3.61
MBCN's PS Ratio is ranked lower than
54% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. MBCN: 3.61 )
Ranked among companies with meaningful PS Ratio only.
MBCN' s PS Ratio Range Over the Past 10 Years
Min: 1.15  Med: 2.23 Max: 22.63
Current: 3.61
1.15
22.63
Price-to-Free-Cash-Flow 50.80
MBCN's Price-to-Free-Cash-Flow is ranked lower than
95% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. MBCN: 50.80 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MBCN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.37  Med: 10.2 Max: 93.02
Current: 50.8
3.37
93.02
Price-to-Operating-Cash-Flow 25.06
MBCN's Price-to-Operating-Cash-Flow is ranked lower than
90% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. MBCN: 25.06 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MBCN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.16  Med: 8.73 Max: 37.69
Current: 25.06
3.16
37.69
EV-to-EBIT 23.21
MBCN's EV-to-EBIT is ranked lower than
78% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. MBCN: 23.21 )
Ranked among companies with meaningful EV-to-EBIT only.
MBCN' s EV-to-EBIT Range Over the Past 10 Years
Min: -134.5  Med: 8.9 Max: 45.8
Current: 23.21
-134.5
45.8
EV-to-EBITDA 20.62
MBCN's EV-to-EBITDA is ranked lower than
78% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. MBCN: 20.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
MBCN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1351.3  Med: 7.7 Max: 34
Current: 20.62
-1351.3
34
PEG Ratio 3.63
MBCN's PEG Ratio is ranked lower than
80% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. MBCN: 3.63 )
Ranked among companies with meaningful PEG Ratio only.
MBCN' s PEG Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.6 Max: 11.94
Current: 3.63
0.25
11.94
Shiller PE Ratio 18.32
MBCN's Shiller PE Ratio is ranked higher than
57% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. MBCN: 18.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
MBCN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.15  Med: 11.1 Max: 19.51
Current: 18.32
7.15
19.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.12
MBCN's Dividend Yield % is ranked lower than
63% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. MBCN: 2.12 )
Ranked among companies with meaningful Dividend Yield % only.
MBCN' s Dividend Yield % Range Over the Past 10 Years
Min: 1.99  Med: 3.71 Max: 6.82
Current: 2.12
1.99
6.82
Dividend Payout Ratio 0.36
MBCN's Dividend Payout Ratio is ranked lower than
57% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. MBCN: 0.36 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MBCN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.3  Med: 0.39 Max: 0.9
Current: 0.36
0.3
0.9
3-Year Dividend Growth Rate 1.30
MBCN's 3-Year Dividend Growth Rate is ranked lower than
74% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBCN: 1.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MBCN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.25 Max: 84.3
Current: 1.3
0
84.3
Forward Dividend Yield % 2.12
MBCN's Forward Dividend Yield % is ranked lower than
68% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. MBCN: 2.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.21
MBCN's 5-Year Yield-on-Cost % is ranked lower than
71% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. MBCN: 2.21 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MBCN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.07  Med: 3.86 Max: 7.1
Current: 2.21
2.07
7.1
3-Year Average Share Buyback Ratio -3.60
MBCN's 3-Year Average Share Buyback Ratio is ranked lower than
59% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MBCN: -3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MBCN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.5  Med: -5 Max: 2.4
Current: -3.6
-8.5
2.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.77
MBCN's Price-to-Tangible-Book is ranked lower than
71% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MBCN: 1.77 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MBCN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.71  Med: 1.19 Max: 2.16
Current: 1.77
0.71
2.16
Price-to-Intrinsic-Value-Projected-FCF 0.94
MBCN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
64% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MBCN: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MBCN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.45 Max: 1.01
Current: 0.94
0.31
1.01
Price-to-Median-PS-Value 1.62
MBCN's Price-to-Median-PS-Value is ranked lower than
86% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. MBCN: 1.62 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MBCN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.14 Max: 11.35
Current: 1.62
0.54
11.35
Price-to-Graham-Number 1.15
MBCN's Price-to-Graham-Number is ranked lower than
66% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. MBCN: 1.15 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MBCN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.78 Max: 1.24
Current: 1.15
0.47
1.24
Earnings Yield (Greenblatt) % 4.32
MBCN's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. MBCN: 4.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MBCN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7  Med: 7.4 Max: 23.8
Current: 4.32
-7
23.8
Forward Rate of Return (Yacktman) % 7.97
MBCN's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. MBCN: 7.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MBCN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.3  Med: 13 Max: 45.6
Current: 7.97
-13.3
45.6

More Statistics

Revenue (TTM) (Mil) $32.80
EPS (TTM) $ 3.05
Beta0.16
Short Percentage of Float0.26%
52-Week Range $31.66 - 54.60
Shares Outstanding (Mil)3.20
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More From Other Websites
Middlefield Banc. Corp. Joins Russell 3000® Index Jun 26 2017
Middlefield Banc Corp. :MBCN-US: Earnings Analysis: Q1, 2017 By the Numbers : June 19, 2017 Jun 19 2017
Middlefield Banc Corp. : MBCN-US: Dividend Analysis : June 02nd, 2017 (record date) : By the numbers... Jun 01 2017
Middlefield Banc Corp. Successfully Completes $16,000,000 Private Placement of Common Stock May 11 2017
Middlefield Banc Corp. Announces 2017 Second Quarter Cash Dividend Payment May 09 2017
Middlefield Banc Corp. Ranks 85th in American Banker’s Annual List of the Top 200 Publicly Traded... May 01 2017
Middlefield Banc Corp. Reports 2017 First Quarter Financial Results Apr 27 2017
Middlefield Banc Corp. :MBCN-US: Earnings Analysis: Q4, 2016 By the Numbers : March 22, 2017 Mar 22 2017
Middlefield Banc Corp. Has Been Granted PLP Status for SBA 7(a) Loans Mar 14 2017
Middlefield Banc Corp. Announces 2017 First Quarter Cash Dividend Payment Feb 14 2017
Middlefield Banc Corp. :MBCN-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
Middlefield Banc Corp. Reports 2016 Full Year and Fourth Quarter Financial Results Feb 07 2017
Middlefield Banc Corp. : MBCN-US: Dividend Analysis : November 28th, 2016 (record date) : By the... Jan 23 2017
Middlefield Banc Corp. Completes Merger with Liberty Bank, N.A. and Appoints Directors Jan 13 2017
Middlefield Banc Corp. Announces 2016 Fourth Quarter Cash Dividend Payment Nov 16 2016
Middlefield Banc Corp. Reports 2016 Third Quarter Financial Results Oct 27 2016
The Middlefield Banking Company Expands Central Ohio Footprint and Opens Location in Sunbury Oct 19 2016
A Cascade Of Corporate Exec Hires This Week Aug 25 2016
Shalini Singhal Joins The Middlefield Banking Company As Chief Information Officer Aug 23 2016
Middlefield Banc Corp. Announces Third Quarter Cash Dividend Aug 11 2016

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