Middlefield Banc Corp. (MBCN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Norwood Financial Corp.

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Orrstown Financial Services, Inc.

Northrim BanCorp, Inc.

PCB Bancorp

FVCBankcorp, Inc.

Citizens Financial Services, Inc.

Middlefield Banc Corp.

USCB Financial Holdings, Inc.

Pioneer Bancorp, Inc. (New York)

Oak Valley Bancorp

Why is Middlefield Banc Corp. ?

High Profitability with a Net Interest Margin of 9.26%

Positive results in Dec 25

ROCE(HY) Highest at 1.03%
GROSS NPA (%)(Q) Lowest at 1.07%
DIVIDEND PAYOUT RATIO(Y) Highest at 55.26%

With ROA of 0.65%, it has a fair valuation with a 1.19 Price to Book Value

Over the past year, while the stock has generated a return of 27.01%, its profits have risen by 34.3% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 36.59%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.96% over the previous quarter.

Market Beating Performance

The stock has generated a return of 27.01% in the last 1 year, much higher than market (S&P 500) returns of 13.68%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Middlefield Banc Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Middlefield Banc Corp. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Middlefield Banc Corp.

27.01%

1.26

49.21%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.32%

EBIT Growth (5y)

19.03%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

35.15%

Pledged Shares

Institutional Holding

36.59%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.19

EV to EBIT

17.19

EV to EBITDA

16.22

EV to Capital Employed

1.12

EV to Sales

3.82

PEG Ratio

0.38

Dividend Yield

ROCE (Latest)

6.49%

ROE (Latest)

9.08%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

ROCE(HY)

Highest at 1.03%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Highest at 55.26%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 107.69%

-6What is not working for the Company

ROCE(HY)

Lowest at 1.03%

OPERATING PROFIT(Q)

Lowest at USD 5.77 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 21.34 %

NET PROFIT(Q)

Lowest at USD 4.54 MM

EPS(Q)

Lowest at USD 0.38

Here's what is working for Middlefield Banc Corp.

Non Performing Loans (%)

Lowest at 1.07%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 107.69%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Highest at 55.26%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Middlefield Banc Corp.

Operating Profit

Lowest at USD 5.77 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 21.34 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Net Profit

Lowest at USD 4.54 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.38

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)