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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.64
MBRG's Cash-to-Debt is ranked lower than
70% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. MBRG: 0.64 )
Ranked among companies with meaningful Cash-to-Debt only.
MBRG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.44 Max: 1.63
Current: 0.64
0.15
1.63
Equity-to-Asset 0.10
MBRG's Equity-to-Asset is ranked lower than
51% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MBRG: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
MBRG' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Debt-to-Equity 0.35
MBRG's Debt-to-Equity is ranked higher than
67% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MBRG: 0.35 )
Ranked among companies with meaningful Debt-to-Equity only.
MBRG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22  Med: 0.84 Max: 1.82
Current: 0.35
0.22
1.82
Debt-to-EBITDA 3.32
MBRG's Debt-to-EBITDA is ranked higher than
62% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. MBRG: 3.32 )
Ranked among companies with meaningful Debt-to-EBITDA only.
MBRG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -25.96  Med: 7.48 Max: 30.07
Current: 3.32
-25.96
30.07
Interest Coverage 2.46
MBRG's Interest Coverage is ranked higher than
60% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. MBRG: 2.46 )
Ranked among companies with meaningful Interest Coverage only.
MBRG' s Interest Coverage Range Over the Past 10 Years
Min: 0.1  Med: 1.13 Max: 2.51
Current: 2.46
0.1
2.51
Beneish M-Score: -2.33
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 : 3/10

vs
industry
vs
history
Operating Margin % 21.78
MBRG's Operating Margin % is ranked lower than
73% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. MBRG: 21.78 )
Ranked among companies with meaningful Operating Margin % only.
MBRG' s Operating Margin % Range Over the Past 10 Years
Min: -8.17  Med: 11.73 Max: 21.89
Current: 21.78
-8.17
21.89
Net Margin % 16.15
MBRG's Net Margin % is ranked lower than
72% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. MBRG: 16.15 )
Ranked among companies with meaningful Net Margin % only.
MBRG' s Net Margin % Range Over the Past 10 Years
Min: -4.49  Med: 9.19 Max: 16.23
Current: 16.15
-4.49
16.23
ROE % 6.38
MBRG's ROE % is ranked lower than
67% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. MBRG: 6.38 )
Ranked among companies with meaningful ROE % only.
MBRG' s ROE % Range Over the Past 10 Years
Min: -2.73  Med: 5.16 Max: 6.47
Current: 6.38
-2.73
6.47
ROA % 0.61
MBRG's ROA % is ranked lower than
69% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MBRG: 0.61 )
Ranked among companies with meaningful ROA % only.
MBRG' s ROA % Range Over the Past 10 Years
Min: -0.26  Med: 0.47 Max: 0.63
Current: 0.61
-0.26
0.63
3-Year Revenue Growth Rate -7.40
MBRG's 3-Year Revenue Growth Rate is ranked lower than
87% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MBRG: -7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MBRG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11  Med: 3.7 Max: 105.7
Current: -7.4
-11
105.7
3-Year EBITDA Growth Rate 9.90
MBRG's 3-Year EBITDA Growth Rate is ranked higher than
60% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. MBRG: 9.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MBRG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -31.6  Med: 6 Max: 23.6
Current: 9.9
-31.6
23.6
3-Year EPS without NRI Growth Rate 9.10
MBRG's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MBRG: 9.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MBRG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -42  Med: 7.75 Max: 35.5
Current: 9.1
-42
35.5
GuruFocus has detected 5 Warning Signs with Middleburg Financial Corp MBRG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MBRG's 30-Y Financials

Financials (Next Earnings Date: 2018-01-30 Est.)


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

» Details

Guru Trades

Q3 2016

MBRG Guru Trades in Q3 2016

Jim Simons 63,700 sh (+10.21%)
» More
Q4 2016

MBRG Guru Trades in Q4 2016

Jim Simons 120,200 sh (+88.70%)
» More
Q1 2017

MBRG Guru Trades in Q1 2017

Jim Simons 130,400 sh (+8.49%)
» More
Q2 2017

MBRG Guru Trades in Q2 2017

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with MBRG

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:FBMS, NAS:CVCY, NAS:BWFG, NAS:CVLY, NAS:SFST, NAS:ATLO, NAS:MFSF, NAS:CHFN, OTCPK:ALRS, NAS:BFIN, NAS:CATC, NAS:BLMT, NAS:CZNC, NAS:FNBG, NAS:GNTY, NAS:PBNC, NAS:MBTF, NAS:INBK, NAS:FFKT, NAS:NKSH » details
Headquarter Location:USA
Middleburg Financial Corp., through its subsidiaries, provides banking, fiduciary and investment management services and also originates and sells mortgages secured by personal residences to individuals and small businesses.

Middleburg Financial Corp., was incorporated under Virginia law in 1993. The Company is a bank holding company that conducts its operations through two wholly owned subsidiaries, Middleburg Bank and Middleburg Investment Group, Inc. The Company has one other wholly owned subsidiary, MFC Capital Trust II, which is a Delaware Business Trust. The Company, through its subsidiaries, offers banking, fiduciary and investment management services to both individuals and small businesses. Middleburg Bank has 12 full service facilities and one limited service facility. Middleburg's services include checking and savings deposit accounts, and the making of business, real estate, development, mortgage, home equity, automobile and other installment, demand and term loans and also offers ATM services. Additional banking services available to the Company's clients include, but are not limited to, Internet banking, travelers' checks, money orders, safe deposit rentals, notary public and wire services. Middleburg Bank has one wholly owned subsidiary, Middleburg Bank Service Corporation, which is a partner in two limited liability companies, Bankers Title Shenandoah, LLC, which sells title insurance through its members, and Bankers Insurance, LLC, which acts as a broker for insurance sales for its member banks. Southern Trust Mortgage offers mortgage banking services to residential borrowers in five states within the southeastern United States. Southern Trust Mortgage operates as Middleburg Mortgage within all of the Company's financial service centers to provide mortgage banking services for the Company's clients. Middleburg Investment Group is a non-bank holding company that offers wealth management services through its subsidiaries and through the investment services department of Middleburg Bank. The Company operates in a decentralized fashion in three principal business activities: retail banking services; wealth management services; and mortgage banking services. Revenue from retail banking activities consists mainly of interest earned on loans and investment securities and service charges on deposit accounts. Revenue from the wealth management activities is comprised mostly of fees based upon the market value of the accounts under administration as well as commissions on investment transactions. The wealth management services are conducted by Middleburg Trust Company and the investment services department of Middleburg Bank. Revenue from the mortgage banking activities is comprised of interest earned on loans and fees received as a result of the mortgage origination process. The Company recognizes gains on the sale of loans as part of other income. The mortgage banking services are conducted by Southern Trust Mortgage. The Company's commercial and retail banking segment faces significant competition for both loans and deposits. Competition for loans comes from commercial banks, savings and loan associations and savings banks, mortgage banking

Ratios

vs
industry
vs
history
PE Ratio 35.43
MBRG's PE Ratio is ranked lower than
92% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. MBRG: 35.43 )
Ranked among companies with meaningful PE Ratio only.
MBRG' s PE Ratio Range Over the Past 10 Years
Min: 14.25  Med: 20.23 Max: 111.5
Current: 35.43
14.25
111.5
PE Ratio without NRI 35.43
MBRG's PE Ratio without NRI is ranked lower than
92% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. MBRG: 35.43 )
Ranked among companies with meaningful PE Ratio without NRI only.
MBRG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.25  Med: 20.23 Max: 111.5
Current: 35.43
14.25
111.5
Price-to-Owner-Earnings 35.22
MBRG's Price-to-Owner-Earnings is ranked lower than
90% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. MBRG: 35.22 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MBRG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.28  Med: 22.49 Max: 100.61
Current: 35.22
5.28
100.61
PB Ratio 2.28
MBRG's PB Ratio is ranked lower than
89% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. MBRG: 2.28 )
Ranked among companies with meaningful PB Ratio only.
MBRG' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 1.08 Max: 2.28
Current: 2.28
0.62
2.28
PS Ratio 5.73
MBRG's PS Ratio is ranked lower than
82% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. MBRG: 5.73 )
Ranked among companies with meaningful PS Ratio only.
MBRG' s PS Ratio Range Over the Past 10 Years
Min: 0.92  Med: 2.05 Max: 5.73
Current: 5.73
0.92
5.73
Price-to-Free-Cash-Flow 19.08
MBRG's Price-to-Free-Cash-Flow is ranked lower than
76% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. MBRG: 19.08 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MBRG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.92  Med: 7.28 Max: 22.32
Current: 19.08
1.92
22.32
Price-to-Operating-Cash-Flow 17.91
MBRG's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. MBRG: 17.91 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MBRG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.87  Med: 5.82 Max: 17.91
Current: 17.91
1.87
17.91
EV-to-EBIT 27.99
MBRG's EV-to-EBIT is ranked lower than
84% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. MBRG: 27.99 )
Ranked among companies with meaningful EV-to-EBIT only.
MBRG' s EV-to-EBIT Range Over the Past 10 Years
Min: -118.9  Med: 18.35 Max: 448.8
Current: 27.99
-118.9
448.8
EV-to-EBITDA 22.61
MBRG's EV-to-EBITDA is ranked lower than
81% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. MBRG: 22.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
MBRG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -407.6  Med: 14.9 Max: 111.2
Current: 22.61
-407.6
111.2
EV-to-Revenue 6.10
MBRG's EV-to-Revenue is ranked lower than
70% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. MBRG: 6.10 )
Ranked among companies with meaningful EV-to-Revenue only.
MBRG' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.2  Med: 2.6 Max: 7.7
Current: 6.1
1.2
7.7
PEG Ratio 4.07
MBRG's PEG Ratio is ranked lower than
81% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. MBRG: 4.07 )
Ranked among companies with meaningful PEG Ratio only.
MBRG' s PEG Ratio Range Over the Past 10 Years
Min: 3.13  Med: 4.36 Max: 77.71
Current: 4.07
3.13
77.71
Shiller PE Ratio 54.63
MBRG's Shiller PE Ratio is ranked lower than
92% of the 508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. MBRG: 54.63 )
Ranked among companies with meaningful Shiller PE Ratio only.
MBRG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.76  Med: 17.01 Max: 54.85
Current: 54.63
7.76
54.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.30
MBRG's Dividend Yield % is ranked lower than
82% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. MBRG: 1.30 )
Ranked among companies with meaningful Dividend Yield % only.
MBRG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.94  Med: 2.02 Max: 5.46
Current: 1.3
0.94
5.46
Dividend Payout Ratio 0.46
MBRG's Dividend Payout Ratio is ranked lower than
70% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. MBRG: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MBRG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.42 Max: 1.57
Current: 0.46
0.22
1.57
3-Year Dividend Growth Rate 29.40
MBRG's 3-Year Dividend Growth Rate is ranked higher than
87% of the 820 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. MBRG: 29.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MBRG' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -29.9  Med: 5.75 Max: 33
Current: 29.4
-29.9
33
Forward Dividend Yield % 1.30
MBRG's Forward Dividend Yield % is ranked lower than
84% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. MBRG: 1.30 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.86
MBRG's 5-Year Yield-on-Cost % is ranked higher than
57% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. MBRG: 3.86 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MBRG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.79  Med: 5.99 Max: 16.2
Current: 3.86
2.79
16.2
3-Year Average Share Buyback Ratio -0.60
MBRG's 3-Year Average Share Buyback Ratio is ranked higher than
65% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. MBRG: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MBRG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.6  Med: -2.15 Max: 2
Current: -0.6
-15.6
2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.34
MBRG's Price-to-Tangible-Book is ranked lower than
85% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MBRG: 2.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MBRG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 1.45 Max: 3.21
Current: 2.34
0.89
3.21
Price-to-Intrinsic-Value-Projected-FCF 0.87
MBRG's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
51% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MBRG: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MBRG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.71 Max: 1.28
Current: 0.87
0.44
1.28
Price-to-Median-PS-Value 2.80
MBRG's Price-to-Median-PS-Value is ranked lower than
96% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. MBRG: 2.80 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MBRG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.34 Max: 2.8
Current: 2.8
0.53
2.8
Price-to-Peter-Lynch-Fair-Value 4.70
MBRG's Price-to-Peter-Lynch-Fair-Value is ranked lower than
97% of the 439 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. MBRG: 4.70 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
MBRG' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.61  Med: 3.64 Max: 4.7
Current: 4.7
1.61
4.7
Price-to-Graham-Number 1.92
MBRG's Price-to-Graham-Number is ranked lower than
94% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. MBRG: 1.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MBRG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.78  Med: 1.08 Max: 1.92
Current: 1.92
0.78
1.92
Earnings Yield (Greenblatt) % 3.57
MBRG's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. MBRG: 3.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MBRG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5.2  Med: 4.45 Max: 9.6
Current: 3.57
-5.2
9.6
Forward Rate of Return (Yacktman) % 17.09
MBRG's Forward Rate of Return (Yacktman) % is ranked higher than
65% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. MBRG: 17.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MBRG' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -3.9  Med: 7.2 Max: 20.6
Current: 17.09
-3.9
20.6

More Statistics

Revenue (TTM) (Mil) $49.93
EPS (TTM) $ 1.13
Short Percentage of Float1.51%
52-Week Range $20.55 - 40.10
Shares Outstanding (Mil)7.20

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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