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Middlefield Banc Corp. MBCN
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 25.49
-1.6 %
$ 206 M
Market Cap
12.49
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MBCN stock under the worst case scenario is HIDDEN Compared to the current market price of 25.5 USD, Middlefield Banc Corp. is HIDDEN

MBCN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MBCN stock under the base case scenario is HIDDEN Compared to the current market price of 25.5 USD, Middlefield Banc Corp. is HIDDEN

MBCN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one MBCN stock under the best case scenario is HIDDEN Compared to the current market price of 25.5 USD, Middlefield Banc Corp. is HIDDEN

MBCN Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart MBCN

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1M -7.0%
6M -9%
1Y 13%
3Y 8%
5Y 70%
All
$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
67.9 M REVENUE
-1.45%
Growth Rates
1Year -1.45%
3Years 6.96%
5Years 7.99%
7Years 7.03%
10Years 9.66%
-60.1 M OPERATING INCOME
-187.51%
Growth Rates
1Year -187.51%
3Years -53.92%
5Years -37.56%
7Years -20.92%
10Years -18.67%
15.5 M NET INCOME
-10.65%
Growth Rates
1Year -10.65%
3Years -5.91%
5Years 4.07%
7Years 7.34%
10Years 8.01%
17.5 M OPERATING CASH FLOW
-21.86%
Growth Rates
1Year -21.86%
3Years 4.24%
5Years 5.35%
7Years 3.30%
10Years 8.88%
-43.3 M INVESTING CASH FLOW
65.79%
Growth Rates
1Year 65.79%
3Years -17.22%
5Years -175.20%
7Years 10.65%
10Years -4.94%
20.8 M FINANCING CASH FLOW
-81.32%
Growth Rates
1Year -81.32%
3Years 31.27%
5Years 17.50%
7Years -18.73%
10Years 1.05%
17.5 M REVENUE
3.88%
Growth Rates
1Year -1.45%
3Years 6.96%
5Years 7.99%
7Years 7.03%
10Years 9.66%
-16 M OPERATING INCOME
-591.52%
Growth Rates
1Year -187.51%
3Years -53.92%
5Years -37.56%
7Years -20.92%
10Years -18.67%
4.85 M NET INCOME
107.18%
Growth Rates
1Year -10.65%
3Years -5.91%
5Years 4.07%
7Years 7.34%
10Years 8.01%
2.66 M OPERATING CASH FLOW
-55.80%
Growth Rates
1Year -21.86%
3Years 4.24%
5Years 5.35%
7Years 3.30%
10Years 8.88%
-18.4 M INVESTING CASH FLOW
-164.71%
Growth Rates
1Year 65.79%
3Years -17.22%
5Years -175.20%
7Years 10.65%
10Years -4.94%
-2.34 M FINANCING CASH FLOW
-10.39%
Growth Rates
1Year -81.32%
3Years 31.27%
5Years 17.50%
7Years -18.73%
10Years 1.05%
Balance Sheet Middlefield Banc Corp.
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Current Assets 212 M
Cash & Short-Term Investments 212 M
Receivables 0
Other Current Assets 0
Non-Current Assets 62.5 M
Long-Term Investments 0
PP&E 20.6 M
Other Non-Current Assets 42 M
77.21 %7.50 %15.30 %Total Assets$274.4m
Current Liabilities 172 M
Accounts Payable 0
Short-Term Debt 172 M
Other Current Liabilities 0
Non-Current Liabilities 11.7 M
Long-Term Debt 11.7 M
Other Non-Current Liabilities 0
93.67 %6.33 %Total Liabilities$184.1m
EFFICIENCY
Earnings Waterfall Middlefield Banc Corp.
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Revenue 67.9 M
Cost Of Revenue 0
Gross Profit 67.9 M
Operating Expenses 67.9 M
Operating Income -60.1 M
Other Expenses -75.6 M
Net Income 15.5 M
80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)(80m)(80m)68m068m(68m)(60m)76m16mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
-88.49% OPERATING MARGIN
-88.49%
Averages
1Year -88.49%
3Years 1.12%
5Years 12.81%
7Years 21.80%
10Years 29.32%
22.86% NET MARGIN
22.86%
Averages
1Year 22.86%
3Years 25.52%
5Years 25.41%
7Years 26.10%
10Years 25.12%
7.37% ROE
7.37%
Averages
1Year 7.37%
3Years 7.91%
5Years 8.47%
7Years 8.75%
10Years 8.85%
0.84% ROA
0.84%
Averages
1Year 0.84%
3Years 0.91%
5Years 0.94%
7Years 0.97%
10Years 0.94%
-18.52% ROIC
-18.52%
Averages
1Year -18.52%
3Years -4.19%
5Years -1.28%
7Years -0.02%
10Years 0.40%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Middlefield Banc Corp.
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25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 15.5 M
Depreciation & Amortization 946 K
Capital Expenditures 0
Stock-Based Compensation 374 K
Change in Working Capital 0
Others 431 K
Free Cash Flow 17.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Middlefield Banc Corp.
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MBCN has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.71% DIVIDEND YIELD
0.21 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.130.1350.1350.1650.140.150.160.170.20.20.210.1350.1350.1350.140.140.150.160.170.20.20.1350.1350.1350.140.140.150.160.170.20.20.1350.540.1350.540.1350.540.140.590.150.570.150.600.210.690.30.810.250.850.20.800.212015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Middlefield Banc Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
62 K USD 3
0-3 MONTHS
0 USD 0
3-6 MONTHS
6.04 K USD 1
6-9 MONTHS
98.3 K USD 3
9-12 MONTHS
7. News
Middlefield Banc Corp. (MBCN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Middlefield Banc Corp. (MBCN) have what it takes? zacks.com - 1 week ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Middlefield Banc Corp. (MBCN) have what it takes? zacks.com - 4 weeks ago
Why Middlefield Banc Corp. (MBCN) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Middlefield Banc Corp. (MBCN) have what it takes? zacks.com - 1 month ago
Middlefield Banc Corp. (MBCN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Middlefield Banc Corp. (MBCN) have what it takes? zacks.com - 2 months ago
The Zacks Analyst Blog Radian Group, Urban Edge Properties and Middlefield Banc Chicago, IL – February 14, 2025 – Zacks.com announces the list of stocks and ETFs featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. zacks.com - 2 months ago
3 Solid Stocks to Buy That Recently Announced Dividend Hikes RDN, UE and MBCN recently announced dividend hikes. zacks.com - 2 months ago
Earnings Estimates Moving Higher for Middlefield Banc (MBCN): Time to Buy? Middlefield Banc (MBCN) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 months ago
Middlefield Banc Corp. Announces a 5% Increase in the 2025 First-Quarter Cash Dividend Payment MIDDLEFIELD, Ohio, Feb. 10, 2025 (GLOBE NEWSWIRE) -- Middlefield Banc Corp. (NASDAQ: MBCN) today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per common share, representing a 5% increase from the 2024 fourth quarter dividend. The 2025 first-quarter dividend is payable on March 14, 2025, to shareholders of record on February 28, 2025. globenewswire.com - 2 months ago
Middlefield Banc (MBCN) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates Although the revenue and EPS for Middlefield Banc (MBCN) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
Middlefield Banc Corp. (MBCN) Tops Q4 Earnings and Revenue Estimates Middlefield Banc Corp. (MBCN) came out with quarterly earnings of $0.60 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.44 per share a year ago. zacks.com - 3 months ago
Middlefield Banc Corp. Reports 2024 Twelve-Month Financial Results MIDDLEFIELD, Ohio, Jan. 23, 2025 (GLOBE NEWSWIRE) -- Middlefield Banc Corp. (NASDAQ: MBCN) today reported financial results for the twelve months ended December 31, 2024. globenewswire.com - 3 months ago
Middlefield Banc Corp. Announces 2024 Fourth-Quarter Cash Dividend Payment MIDDLEFIELD, Ohio, Nov. 18, 2024 (GLOBE NEWSWIRE) -- Middlefield Banc Corp. (NASDAQ: MBCN) today announced that its Board of Directors declared a quarterly cash dividend of $0.20 per common share. The fourth-quarter dividend is payable on December 13, 2024, to shareholders of record on November 29, 2024. globenewswire.com - 5 months ago
8. Profile Summary

Middlefield Banc Corp. MBCN

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 206 M
Dividend Yield 0.71%
Description Middlefield Banc Corp. operates as the bank holding company for The Middlefield Banking Company that provides various commercial banking services to small and medium-sized businesses, professionals, small business owners, and retail customers in northeastern and central Ohio. It provides checking, savings, negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, commercial loans, real estate loans, various consumer loans, safe deposit facilities, and travelers' checks. The company also offers operational and working capital, term business, residential construction, professional, and residential and mortgage loans, as well as consumer installment loans for home improvements, automobiles, boats, and other personal expenditures; loans to finance capital purchases; selected guaranteed or subsidized loan programs for small businesses; and agricultural loans. Further, it provides official checks, money orders, ATM services, as well as IRA accounts; online banking and bill payment services to individuals; and online cash management services to business customers. In addition, the company resolves and disposes troubled assets in Ohio. As of December 31, 2021, it has 17 banking centers in Chardon, Newbury, and Middlefield, Garrettsville, Mantua, Orwell, Cortland, Dublin, Westerville, Sunbury, Powell, Beachwood, Solon, Twinsburg, and Plain City; as well as an administrative office in Middlefield, and a loan production office in Mentor. Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio.
Contact 15985 East High Street, Middlefield, OH, 44062-0035 https://www.middlefieldbank.bank
IPO Date Feb. 27, 2003
Employees 246
Officers Mr. Andrew M. Berger Managing Director, SM Berger & Company, Inc. Mr. Michael C. Ranttila CPA Executive Vice President, Chief Financial Officer & Treasurer Mr. Thomas Hart Financial Consultant Ms. Teresa M. Hetrick Assistant Corporate Secretary Mr. Ronald L. Zimmerly Jr. Chief Executive Officer, President & Non-Independent Director Ms. Julie E. Shaw Secretary