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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 0.21
MCBC's Cash-to-Debt is ranked lower than
87% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MCBC: 0.21 )
Ranked among companies with meaningful Cash-to-Debt only.
MCBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.22 Max: N/A
Current: 0.21
Equity-to-Asset 0.10
MCBC's Equity-to-Asset is ranked higher than
50% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MCBC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
MCBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.1
Current: 0.1
0.04
0.1
Interest Coverage 4.79
MCBC's Interest Coverage is ranked higher than
80% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. MCBC: 4.79 )
Ranked among companies with meaningful Interest Coverage only.
MCBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 1.88 Max: 4.79
Current: 4.79
0.17
4.79
Beneish M-Score: -2.39
WACC vs ROIC
4.60%
6.32%
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 % 35.35
MCBC's Operating Margin % is ranked higher than
59% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. MCBC: 35.35 )
Ranked among companies with meaningful Operating Margin % only.
MCBC' s Operating Margin % Range Over the Past 10 Years
Min: -103.96  Med: 20.26 Max: 35.35
Current: 35.35
-103.96
35.35
Net Margin % 25.22
MCBC's Net Margin % is ranked higher than
58% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. MCBC: 25.22 )
Ranked among companies with meaningful Net Margin % only.
MCBC' s Net Margin % Range Over the Past 10 Years
Min: -91.58  Med: 14.18 Max: 56.25
Current: 25.22
-91.58
56.25
ROE % 10.52
MCBC's ROE % is ranked higher than
65% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. MCBC: 10.52 )
Ranked among companies with meaningful ROE % only.
MCBC' s ROE % Range Over the Past 10 Years
Min: -56.08  Med: 6.51 Max: 31.56
Current: 10.52
-56.08
31.56
ROA % 1.00
MCBC's ROA % is ranked higher than
58% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. MCBC: 1.00 )
Ranked among companies with meaningful ROA % only.
MCBC' s ROA % Range Over the Past 10 Years
Min: -3.2  Med: 0.53 Max: 2.31
Current: 1
-3.2
2.31
3-Year Revenue Growth Rate -2.40
MCBC's 3-Year Revenue Growth Rate is ranked lower than
80% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. MCBC: -2.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MCBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -18.3  Med: -0.85 Max: 62.5
Current: -2.4
-18.3
62.5
3-Year EBITDA Growth Rate 5.80
MCBC's 3-Year EBITDA Growth Rate is ranked lower than
52% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MCBC: 5.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MCBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -8.8  Med: 12 Max: 71.7
Current: 5.8
-8.8
71.7
GuruFocus has detected 1 Warning Sign with Macatawa Bank Corp $MCBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MCBC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-28 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:CNBKA, NAS:AMNB, NAS:WNEB, NAS:PCSB, NAS:OLBK, NAS:CCBG, NAS:BSRR, NAS:NKSH, NAS:PFIS, NAS:OSBC, NAS:MBVT, NAS:FFKT, NAS:MBRG, NAS:ATLO, NAS:FNLC, NAS:CCNE, NAS:BLMT, NAS:CZNC, NAS:PBNC, NAS:BFIN » details
Headquarter Location:USA
Macatawa Bank Corp is a holding company of Macatawa Bank. It offers commercial and personal banking services, brokerage services, online banking and lending funds to individual customers and corporates through its subsidiary, Macatawa Bank.

Macatawa Bank Corp is an US-based holding company of Macatawa Bank. It is engaged in providing commercial and personal banking services, including checking, savings and certificates of deposit accounts, cash management, safe deposit boxes, trust services and commercial, mortgage and consumer loans. It also provides a range of loan products to business customers, including commercial and industrial and commercial real estate loans, and to retail customers, including residential mortgage and consumer loans. In addition, other services provided by the company includes internet banking, telephone banking and debit cards and brokerage services, including discount brokerage, personal financial planning, and consultation services. Most of the company's revenue comes from Bank in form of dividend.

Ratios

vs
industry
vs
history
PE Ratio 18.60
MCBC's PE Ratio is ranked lower than
69% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. MCBC: 18.60 )
Ranked among companies with meaningful PE Ratio only.
MCBC' s PE Ratio Range Over the Past 10 Years
Min: 2.18  Med: 16.08 Max: 41.61
Current: 18.6
2.18
41.61
PE Ratio without NRI 18.60
MCBC's PE Ratio without NRI is ranked lower than
70% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MCBC: 18.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
MCBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.18  Med: 16.05 Max: 41.61
Current: 18.6
2.18
41.61
Price-to-Owner-Earnings 18.87
MCBC's Price-to-Owner-Earnings is ranked lower than
71% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. MCBC: 18.87 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MCBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.32  Med: 14.39 Max: 684.12
Current: 18.87
1.32
684.12
PB Ratio 1.92
MCBC's PB Ratio is ranked lower than
84% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MCBC: 1.92 )
Ranked among companies with meaningful PB Ratio only.
MCBC' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 1.25 Max: 2.56
Current: 1.92
0.25
2.56
PS Ratio 4.70
MCBC's PS Ratio is ranked lower than
74% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. MCBC: 4.70 )
Ranked among companies with meaningful PS Ratio only.
MCBC' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 2.27 Max: 9.71
Current: 4.7
0.28
9.71
Price-to-Free-Cash-Flow 20.07
MCBC's Price-to-Free-Cash-Flow is ranked lower than
82% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. MCBC: 20.07 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MCBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.7  Med: 9.77 Max: 28.46
Current: 20.07
0.7
28.46
Price-to-Operating-Cash-Flow 18.34
MCBC's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. MCBC: 18.34 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MCBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.69  Med: 7.68 Max: 23.52
Current: 18.34
0.69
23.52
EV-to-EBIT 18.10
MCBC's EV-to-EBIT is ranked lower than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. MCBC: 18.10 )
Ranked among companies with meaningful EV-to-EBIT only.
MCBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.6  Med: 17.25 Max: 101.8
Current: 18.1
-19.6
101.8
EV-to-EBITDA 16.27
MCBC's EV-to-EBITDA is ranked lower than
68% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. MCBC: 16.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
MCBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.8  Med: 14.4 Max: 54.4
Current: 16.27
-23.8
54.4
PEG Ratio 2.51
MCBC's PEG Ratio is ranked lower than
69% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. MCBC: 2.51 )
Ranked among companies with meaningful PEG Ratio only.
MCBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.83  Med: 2.74 Max: 5.88
Current: 2.51
0.83
5.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.52
MCBC's Dividend Yield % is ranked lower than
77% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. MCBC: 1.52 )
Ranked among companies with meaningful Dividend Yield % only.
MCBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 1.92 Max: 14.86
Current: 1.52
0.37
14.86
Dividend Payout Ratio 0.26
MCBC's Dividend Payout Ratio is ranked higher than
63% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. MCBC: 0.26 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MCBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.27 Max: 0.95
Current: 0.26
0.26
0.95
Forward Dividend Yield % 1.74
MCBC's Forward Dividend Yield % is ranked lower than
77% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. MCBC: 1.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.52
MCBC's 5-Year Yield-on-Cost % is ranked lower than
83% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. MCBC: 1.52 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MCBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.37  Med: 1.92 Max: 14.86
Current: 1.52
0.37
14.86
3-Year Average Share Buyback Ratio -0.10
MCBC's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MCBC: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MCBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36.2  Med: -7.65 Max: -0.1
Current: -0.1
-36.2
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.90
MCBC's Price-to-Tangible-Book is ranked lower than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MCBC: 1.90 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MCBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 1.37 Max: 3.26
Current: 1.9
0.5
3.26
Price-to-Intrinsic-Value-Projected-FCF 1.19
MCBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
82% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MCBC: 1.19 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MCBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.6 Max: 2.38
Current: 1.19
0.09
2.38
Price-to-Median-PS-Value 2.08
MCBC's Price-to-Median-PS-Value is ranked lower than
93% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. MCBC: 2.08 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MCBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.14  Med: 1.33 Max: 4.76
Current: 2.08
0.14
4.76
Price-to-Graham-Number 1.25
MCBC's Price-to-Graham-Number is ranked lower than
73% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. MCBC: 1.25 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MCBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.28  Med: 1.12 Max: 1.86
Current: 1.25
0.28
1.86
Earnings Yield (Greenblatt) % 5.53
MCBC's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. MCBC: 5.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MCBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -27.6  Med: 4.8 Max: 11.6
Current: 5.53
-27.6
11.6
Forward Rate of Return (Yacktman) % 8.34
MCBC's Forward Rate of Return (Yacktman) % is ranked lower than
60% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. MCBC: 8.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MCBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 5.2  Med: 19.9 Max: 107.8
Current: 8.34
5.2
107.8

More Statistics

Revenue (TTM) (Mil) $67.08
EPS (TTM) $ 0.50
Beta0.54
Short Percentage of Float1.44%
52-Week Range $6.63 - 10.67
Shares Outstanding (Mil)33.94
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