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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 0.82
MFNC's Cash-to-Debt is ranked lower than
66% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. MFNC: 0.82 )
Ranked among companies with meaningful Cash-to-Debt only.
MFNC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.41 Max: N/A
Current: 0.82
Equity-to-Asset 0.08
MFNC'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. MFNC: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
MFNC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.1 Max: 0.14
Current: 0.08
0.02
0.14
Interest Coverage 1.45
MFNC's Interest Coverage is ranked lower than
56% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MFNC: 1.45 )
Ranked among companies with meaningful Interest Coverage only.
MFNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 0.68 Max: 1.8
Current: 1.45
0.19
1.8
Beneish M-Score: -2.33
WACC vs ROIC
6.00%
5.45%
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 : 3/10

vs
industry
vs
history
Operating Margin % 19.51
MFNC's Operating Margin % is ranked lower than
78% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. MFNC: 19.51 )
Ranked among companies with meaningful Operating Margin % only.
MFNC' s Operating Margin % Range Over the Past 10 Years
Min: -20.43  Med: 17.49 Max: 25.83
Current: 19.51
-20.43
25.83
Net Margin % 12.93
MFNC's Net Margin % is ranked lower than
80% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. MFNC: 12.93 )
Ranked among companies with meaningful Net Margin % only.
MFNC' s Net Margin % Range Over the Past 10 Years
Min: -2.18  Med: 11.76 Max: 67.97
Current: 12.93
-2.18
67.97
ROE % 6.49
MFNC's ROE % is ranked lower than
71% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. MFNC: 6.49 )
Ranked among companies with meaningful ROE % only.
MFNC' s ROE % Range Over the Past 10 Years
Min: -2.12  Med: 5.21 Max: 29.84
Current: 6.49
-2.12
29.84
ROA % 0.56
MFNC's ROA % is ranked lower than
73% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MFNC: 0.56 )
Ranked among companies with meaningful ROA % only.
MFNC' s ROA % Range Over the Past 10 Years
Min: -0.08  Med: 0.51 Max: 2.57
Current: 0.56
-0.08
2.57
3-Year Revenue Growth Rate 9.80
MFNC's 3-Year Revenue Growth Rate is ranked lower than
77% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. MFNC: 9.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MFNC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -63.6  Med: -1.9 Max: 120.1
Current: 9.8
-63.6
120.1
3-Year EBITDA Growth Rate 2.90
MFNC's 3-Year EBITDA Growth Rate is ranked lower than
81% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MFNC: 2.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MFNC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -76.8  Med: 3.15 Max: 48.4
Current: 2.9
-76.8
48.4
3-Year EPS without NRI Growth Rate -10.40
MFNC's 3-Year EPS without NRI Growth Rate is ranked lower than
88% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. MFNC: -10.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MFNC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -69.6  Med: -9.3 Max: 39.2
Current: -10.4
-69.6
39.2
GuruFocus has detected 5 Warning Signs with Mackinac Financial Corp $MFNC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MFNC's 30-Y Financials

Financials (Next Earnings Date: 2017-08-04 Est.)


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

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Guru Trades

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MFNC Guru Trades in

Q4 2016

MFNC Guru Trades in Q4 2016

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Q1 2017

MFNC Guru Trades in Q1 2017

Jim Simons 17,700 sh (+22.92%)
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:GFED, NAS:AMRB, OTCPK:BAYK, OTCPK:BNCC, NAS:RNDB, NAS:CWAY, OTCPK:FBTT, NAS:SVBI, NAS:PLBC, OTCPK:HARL, OTCBB:CSBB, OTCPK:CMTV, OTCPK:SCZC, OTCPK:FMBM, OTCBB:JUVF, OTCPK:PFLC, NAS:SBFG, OTCPK:EMPK, OTCPK:CRLN, OTCPK:BCML » details
Headquarter Location:USA
Mackinac Financial Corp is a bank holding company. The Company, through its subsidiary, is engaged in the general commercial banking business, providing a full range of loan and deposit products.

Mackinac Financial Corp was incorporated under the laws of the state of Michigan on December 16, 1974. The Company, through its subsidiary, mBank "Bank", is engaged in the general commercial banking business, providing a full range of loan and deposit products. These banking services include customary retail and commercial banking services, including checking and savings accounts, time deposits, interest bearing transaction accounts, safe deposit facilities, real estate mortgage lending, commercial lending, commercial and governmental lease financing, and direct and indirect consumer financing. Funds for the Bank's operation are also provided by brokered deposits and through borrowings from the Federal Home Loan Bank system. The Bank makes mortgage, commercial, and installment loans to customers throughout Michigan. The Bank also supports the service industry, with its hospitality and related businesses, as well as gaming, forestry, restaurants, farming, fishing, and many other activities important to growth in Michigan. The Bank also offers various consumer loan products including installment, mortgages and home equity loans. In addition to making consumer portfolio loans, the Bank engages in the business of making residential mortgage loans for sale to the secondary market. The Bank also provides title insurance services throughout the State of Michigan through its wholly owned subsidiary, mBank Title Insurance Agency, LLC. The Bank's source for lending, investments, and other general business purposes is deposits. The Bank offers a range of interest bearing and non-interest bearing accounts, including commercial and retail checking accounts, negotiable order of withdrawal accounts, money market accounts with limited transactions, individual retirement accounts, regular interest-bearing statement savings accounts, certificates of deposit with a range of maturity date options, and accessibility to a customer's deposit relationship through online banking. The Bank is a member of the FHLB. The FHLB provides an additional source of liquidity and long-term funds. The Company competes for loans and deposits with other banks, savings and loan associations, credit unions, mortgage bankers, and investment firms in the scope and type of services offered, pricing of loans, interest rates paid on deposits, and number and location of branches, among other things. As a registered bank holding company, the Company is subject to regulation and examination by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act, as amended. The Bank is subject to regulation and examination by the Michigan Department of Financial and Insurance Services and the Federal Deposit Insurance Corporation.

Top Ranked Articles about Mackinac Financial Corp

Mackinac Financial Corporation Declares Increased Cash Dividend on Common Stock

MANISTIQUE, Mich., March 28, 2017 (GLOBE NEWSWIRE) -- Mackinac Financial Corporation (NASDAQ:MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by its Board of Directors on March 28, 2017.  The Board of Directors declared a cash dividend of $.12 per common share, payable April 18, 2017 to shareholders of record at April 10, 2017. The dividend is an increase of $.02 per share from the prior quarter’s dividend and represents a 20% increase in the annualized dividend from $.40 per share to $.48 per share.
Mackinac Financial Corporation is a registered bank holding company formed under the Bank Holding Company Act of 1956 with assets in excess of $970 million and whose common stock is traded on the NASDAQ stock market as “MFNC.”   The principal subsidiary of the Corporation is mBank.  Headquartered in Manistique, Michigan, mBank has 23 branch locations; 12 in the Upper Peninsula, three in the Northern Lower Peninsula, one in Oakland County, Michigan and seven in northern Wisconsin.  The Corporation’s banking services include commercial lending and treasury management products and services geared toward small to mid-sized businesses, as well as a full array of personal and business deposit products and consumer loans. Forward-Looking Statements This release contains certain forward-looking statements. Words such as “anticipates,” “believes,” “estimates,” “expects,” “intends,” “should,” “will,” and variations of such words and similar expressions are intended to identify forward-looking statements: as defined by the Private Securities Litigation Reform Act of 1995. These statements reflect management's current beliefs as to expected outcomes of future events and are not guarantees of future performance. These statements involve certain risks, uncertainties and assumptions that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. Factors that could cause a difference include among others: changes in the national and local economies or market conditions; changes in interest rates and banking regulations; the impact of competition from traditional or new sources; and the possibility that anticipated cost savings and revenue enhancements from mergers and acquisitions, bank consolidations, and other sources may not be fully realized at all or within specified time frames as well as other risks and uncertainties including but not limited to those detailed from time to time in filings of the Company with the Securities and Exchange Commission. These and other factors may cause decisions and actual results to differ materially from current expectations. Mackinac Financial Corporation undertakes no obligation to revise, update, or clarify forward-looking statements to reflect events or conditions after the date of this release.
Contact:

Paul D. Tobias, (248) 290-5901/ [email protected]
Jesse A. Deering, (248) 290-5906 [email protected]

Read more...
Ernie R. Krueger to Retire After 12 Years With Mackinac Financial Corporation; Company Announces CFO Succession

MANISTIQUE, MI--(Marketwired - Jun 1, 2016) - The Directors of Mackinac Financial Corporation (NASDAQ: MFNC) (Mackinac), the holding company for mBank, announced today that Executive Vice President and Chief Financial Officer, Ernie R. Krueger, will be retiring effective July 31, 2016. They have appointed mBank Senior Vice President and Managing Director of Retail Branch Banking, Marketing & Special Capital Projects, Jesse A. Deering, to Executive Vice President and Chief Financial Officer of both Mackinac and mBank, effective August 1, 2016. During the past several months, MFNC's board of directors and executive management have developed a comprehensive transition plan to ensure a seamless succession. The plan also calls for increased responsibility for current Senior Vice President & Controller, Jennifer Stempki, who has been working in the Finance Department for over 13 years.   Mr. Krueger has served as EVP & CFO of Mackinac and mBank since October, 2006. He joined Mackinac in 2003 as the company's Senior Vice President and Chief Financial Officer to lead financial and accounting restructuring in preparation for the subsequent growth of the bank and holding company. Mr. Krueger will remain involved with the company as a consultant for a near term period following his retirement in order to help finalize the transition and assist the company with certain ongoing matters. "It goes beyond saying how much Ernie has meant to the success of the company since he came here in late 2003 to help lead the finance department with the breadth of his knowledge base. It has been a pleasure working with him. I wish him much enjoyment in retirement and cannot thank him enough for his efforts," said Kelly W. George, mBank President & CEO. "It is a positive reflection of our executive development initiatives when the board, in conjunction with management, feels that we have the talent base and personnel infrastructure to advance staff from within the company into roles such as this. Jesse and Jen will make an excellent team with their combined competencies to lead the finance area as we continue to grow our company's footprint. They are both very capable given their tenures at the bank as well as their professional and educational backgrounds." Mr. Deering joined mBank in 2005 and has over 13 years of banking experience. He holds an undergraduate degree from Albion College and a MBA from the University of Notre Dame. While at Notre Dame he studied with particular focus in the areas of strategic finance, macroeconomics and change management. As the company's Senior Vice President and Managing Director of Retail Branch Banking, Marketing & Special Projects since 2013, he has had direct oversight of mBank's retail branch banking and marketing departments as well as special corporate finance projects and strategic planning. He has been involved in all aspects of the two recent bank acquisition transactions and the currently pending acquisition including financial modeling, pre-deal expense and accretion analysis as well as post-transaction operational integration of systems and staff. Prior to this role, from 2009 through 2012 he was in charge of all banking related activities in the Southeast Michigan region as the Senior Vice President & Southeast Michigan Executive which included oversight of the regional loan portfolio and overall operations of the region. He has also worked closely with the mBank credit department serving as Assistant Vice President / Senior Credit Administrator in 2008. Deering is currently a member of the mBank Senior Management Committee, Loan Committee, ALCO Committee, Retail Banking Committee and IT Steering Committee. "As CFO, Ernie has helped put our company on a strong, stable financial foundation. Ernie's 'big bank' experience, SEC background and accounting knowledge have been invaluable. He has been a key part of the executive team that built our company to what it is today. I am greatly thankful for his years of hard work and commitment to the organization," commented Paul D. Tobias, CEO & Chairman of Mackinac. "Jesse has been a colleague for many years and understands the interworking of our company and culture very well. We are excited to get him into his new role and working with the rest of the executive team to continue moving the company forward." About Mackinac Financial Corporation & mBank

Headquartered in Manistique, Michigan, mBank is the principal subsidiary of Mackinac Financial Corporation whose common stock is traded on the NASDAQ stock market as "MFNC." With assets in excess of $870 million, the community bank empowers individuals and small- to medium-sized businesses with smart financing and depository solutions for peace of mind.  Forward-Looking Statements

This release contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Mackinac intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 and is including this statement for purposes of these safe harbor provisions. Forward-looking statements which are based on certain assumptions and describe future plans, strategies, or expectations of Mackinac, are generally identifiable by use of the words "believe", "expect", "intend", "anticipate", "estimate", "project", or similar expressions. Certain risks and uncertainties, including those specified in Mackinac's most recent annual report on Form 10-K filed with the Securities and Exchange Commission (the "SEC") should be considered in evaluating forward-looking statements. Further information concerning the Mackinac and its business, including additional factors that could materially affect Mackinac's financial results, is included in Mackinac's filings with the SEC. All forward-looking statements contained in this release are based upon information presently available and Mackinac assumes no obligation to update any forward-looking statements.


Contacts:



Paul D. Tobias

Chairman & CEO, Mackinac Financial Corporation &

Chairman, mBank

Birmingham, MI

(248) 290-5901

Email Contact



Kelly W. George

President, Mackinac Financial Corporation &

President & CEO, mBank

Manistique, MI

(906) 341-7140

Email Contact





Read more...

Ratios

vs
industry
vs
history
PE Ratio 17.18
MFNC's PE Ratio is ranked lower than
71% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. MFNC: 17.18 )
Ranked among companies with meaningful PE Ratio only.
MFNC' s PE Ratio Range Over the Past 10 Years
Min: 1.86  Med: 12.2 Max: 112.5
Current: 17.18
1.86
112.5
PE Ratio without NRI 17.18
MFNC's PE Ratio without NRI is ranked lower than
71% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. MFNC: 17.18 )
Ranked among companies with meaningful PE Ratio without NRI only.
MFNC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.86  Med: 12.2 Max: 112.5
Current: 17.18
1.86
112.5
PB Ratio 1.11
MFNC's PB Ratio is ranked higher than
58% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MFNC: 1.11 )
Ranked among companies with meaningful PB Ratio only.
MFNC' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.8 Max: 1.44
Current: 1.11
0.25
1.44
PS Ratio 2.21
MFNC's PS Ratio is ranked higher than
69% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. MFNC: 2.21 )
Ranked among companies with meaningful PS Ratio only.
MFNC' s PS Ratio Range Over the Past 10 Years
Min: 0.57  Med: 1.95 Max: 3.38
Current: 2.21
0.57
3.38
Price-to-Operating-Cash-Flow 49.17
MFNC's Price-to-Operating-Cash-Flow is ranked higher than
72% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. MFNC: 49.17 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MFNC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.71  Med: 5.11 Max: 181.69
Current: 49.17
0.71
181.69
EV-to-EBIT 12.99
MFNC's EV-to-EBIT is ranked lower than
54% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. MFNC: 12.99 )
Ranked among companies with meaningful EV-to-EBIT only.
MFNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -471.3  Med: 13.45 Max: 61.5
Current: 12.99
-471.3
61.5
EV-to-EBITDA 10.18
MFNC's EV-to-EBITDA is ranked lower than
51% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. MFNC: 10.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
MFNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -20.6  Med: 10.6 Max: 1244.5
Current: 10.18
-20.6
1244.5
Shiller PE Ratio 15.11
MFNC's Shiller PE Ratio is ranked higher than
74% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. MFNC: 15.11 )
Ranked among companies with meaningful Shiller PE Ratio only.
MFNC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.84  Med: 13.31 Max: 120
Current: 15.11
6.84
120

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.02
MFNC's Dividend Yield % is ranked higher than
54% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. MFNC: 3.02 )
Ranked among companies with meaningful Dividend Yield % only.
MFNC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.47  Med: 2.02 Max: 3.81
Current: 3.02
0.47
3.81
Dividend Payout Ratio 0.51
MFNC's Dividend Payout Ratio is ranked lower than
81% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MFNC: 0.51 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MFNC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.39 Max: 0.75
Current: 0.51
0.03
0.75
3-Year Dividend Growth Rate 33.00
MFNC's 3-Year Dividend Growth Rate is ranked higher than
99% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MFNC: 33.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
MFNC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 106.1
Current: 33
0
106.1
Forward Dividend Yield % 3.45
MFNC's Forward Dividend Yield % is ranked higher than
61% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. MFNC: 3.45 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.02
MFNC's 5-Year Yield-on-Cost % is ranked lower than
56% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. MFNC: 3.02 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MFNC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.47  Med: 2.02 Max: 3.81
Current: 3.02
0.47
3.81
3-Year Average Share Buyback Ratio -4.20
MFNC's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MFNC: -4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MFNC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -114  Med: -3 Max: 0.8
Current: -4.2
-114
0.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.21
MFNC's Price-to-Tangible-Book is ranked higher than
53% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. MFNC: 1.21 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MFNC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.31  Med: 0.98 Max: 2.31
Current: 1.21
0.31
2.31
Price-to-Intrinsic-Value-Projected-FCF 0.68
MFNC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
73% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MFNC: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MFNC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.46 Max: 1.27
Current: 0.68
0.1
1.27
Price-to-Median-PS-Value 1.14
MFNC's Price-to-Median-PS-Value is ranked lower than
64% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. MFNC: 1.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MFNC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.2  Med: 0.72 Max: 39.16
Current: 1.14
0.2
39.16
Price-to-Graham-Number 0.96
MFNC's Price-to-Graham-Number is ranked lower than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. MFNC: 0.96 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MFNC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.21  Med: 0.67 Max: 6.59
Current: 0.96
0.21
6.59
Earnings Yield (Greenblatt) % 7.71
MFNC's Earnings Yield (Greenblatt) % is ranked higher than
59% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. MFNC: 7.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MFNC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 7 Max: 13.2
Current: 7.71
1.6
13.2
Forward Rate of Return (Yacktman) % 3.21
MFNC's Forward Rate of Return (Yacktman) % is ranked lower than
63% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. MFNC: 3.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MFNC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -76.3  Med: 9.9 Max: 26.6
Current: 3.21
-76.3
26.6

More Statistics

Revenue (TTM) (Mil) $39.28
EPS (TTM) $ 0.81
Beta0.64
Short Percentage of Float0.25%
52-Week Range $10.43 - 14.98
Shares Outstanding (Mil)6.29
» More Articles for MFNC

Headlines

Articles On GuruFocus.com
Mackinac Financial Corporation Declares Increased Cash Dividend on Common Stock Mar 28 2017 
Ernie R. Krueger to Retire After 12 Years With Mackinac Financial Corporation; Company Announces CFO Jun 01 2016 
Mackinac Financial Corporation Declares $.10 Cash Dividend on Common Stock May 24 2016 
Mackinac Financial Corporation to Acquire Niagara Bancorporation (Wisconsin) May 24 2016 
Mackinac Financial Corporation Completes the Acquisition of First National Bank of Eagle River Apr 29 2016 
Mackinac Financial Corporation Declares $.10 Cash Dividend on Common Stock Mar 22 2016 
Mackinac Financial Corporation to acquire First National Bank of Eagle River (WI) Jan 19 2016 
Mackinac Financial Corporation Declares $.10 Cash Dividend on Common Stock Oct 27 2015 
Mackinac Financial Corporation Declares 33% Increase in Cash Dividend on Common Stock Aug 25 2015 
Mackinac Financial Corporation Declares Increased Cash Dividend on Common Stock Dec 12 2014 

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ETFs with exposure to Mackinac Financial Corp. : December 13, 2016 Dec 13 2016
Mackinac Financial Corporation Reports Nine Month and Third Quarter Results Following Second... Nov 03 2016
Mackinac Financial Corporation Declares $.10 Cash Dividend on Common Stock Oct 25 2016
Mackinac Financial Corp. : MFNC-US: Dividend Analysis : September 23rd, 2016 (record date) : By the... Oct 24 2016
ETF’s with exposure to Mackinac Financial Corp. : October 14, 2016 Oct 14 2016
Mackinac Financial Corp. :MFNC-US: Earnings Analysis: Q2, 2016 By the Numbers : September 9, 2016 Sep 09 2016
Mackinac Financial Corporation Completes the Acquisition of First National Bank of Niagara Aug 31 2016
Mackinac Financial Corporation Announces Six Month and Second Quarter 2016 Results Aug 04 2016
Hail! Hail! to Michigan Banks Jul 19 2016
Ernie R. Krueger to Retire After 12 Years With Mackinac Financial Corporation; Company Announces CFO... Jun 01 2016

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