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MBCN stock logo

MBCN

Middlefield Banc Corp.

$33.67
0.02
 (0.06%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  273.628M
Shares Outstanding:  6.385M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Ronald L. Zimmerly Jr.
Full Time Employees:  246
Address: 
15985 East High Street
Middlefield
OH
44062-0035
US
Website:  https://www.middlefieldbank.bank
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue96,992108,475112,311
Gross Profit68,89265,88573,956
EBITDA21,80119,49723,479
Operating Income20,75518,34423,479
Net Income17,36815,51919,422

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,822,8831,853,3591,902,539
Total Liabilities1,617,2021,642,7971,672,895
Total Stockholders Equity205,681210,562229,644
Total Debt174,862184,060186,446
Cash and Cash Equivalents56,39746,03739,823

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Cash Flow Statement

Year202320242025
Operating Cash Flow22,35617,4680
Capital Expenditure-1,096-7760
Free Cash Flow21,26016,6920
Net Income17,36815,51919,422
Net Change in Cash7,027-5,044-55,792

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)86,520.573Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)87,079.426Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)86,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)23,162.077Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)23,311.685Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)23,236.881Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)22,190.856Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)22,377.424Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)22,300Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)24,727.346Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)24,887.065Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)24,807.205Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.740Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.750Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.730Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
108.376M  ?P/S
 (TTM)
: 
2.44
?Net Income
 (TTM)
: 
15.519M  ?P/E
 (TTM)
: 
14.02
?Enterprise Value
 (TTM)
: 
420.251M  ?EV/FCF
 (TTM)
: 
23.78
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.26
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
138.429M  ?Debt/Equity
 (TTM)
: 
0.81
?P/B
 (TTM)
: 
1.19  ?Current Ratio
 (TTM)
: 
0.34

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
14.03Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

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Calculate MBCN Intrinsic Value

Common questions about MBCN valuation

Is Middlefield Banc Corp. (MBCN) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Middlefield Banc Corp. (MBCN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is MBCN a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MBCN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is MBCN’s P/E ratio?

You can see MBCN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for MBCN?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is MBCN a good long-term investment?

Whether MBCN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

MBCN

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.06
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 22.74   Year High: 37.68
Price Avg 50: 34.75   Price Avg 200: 31.82
Volume: 188249   Average Volume: 34015

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