Middlefield Stock Financials

MBCN
 Stock
  

USD 29.05  0.10  0.34%   

Middlefield Banc Net Income Per Employee is quite stable at the moment as compared to the past year. The company's current value of Net Income Per Employee is estimated at 97,803.45. Enterprise Value is expected to rise to about 29.4 M this year, although the value of Revenue Per Employee will most likely fall to about 266.4 K.
  
With this module, you can analyze Middlefield financials for your investing period. You should be able to track the changes in Middlefield Banc individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Middlefield Most Recent Estimates

Quarterly Earnings Growth YOY
(0.14) 
EPS Estimate Next Quarter
0.34
Diluted Eps
2.89
EPS Estimate Current Year
3.02
EPS Estimate Next Year
3.02
EPS Estimate Current Quarter
0.67
Understanding current and past Middlefield Banc Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Middlefield Banc's financial statements are interrelated, with each one affecting the others. For example, an increase in Middlefield Banc's assets may result in an increase in income on the income statement.

Revenues

49.08 Million

The financial analysis of Middlefield Banc is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Middlefield Banc includes many different criteria found on its balance sheet. For example, investors should never minimize Middlefield Banc's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Middlefield Banc's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Middlefield Banc.

Middlefield Banc Cash

Chance Of Financial Distress
Less than 38
Middlefield Banc has less than 38 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Middlefield Banc stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Middlefield Banc's official financial statements usually reflect Middlefield Banc's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Middlefield Banc. For example, before you start analyzing numbers published by Middlefield accountants, it's critical to develop an understanding of what Middlefield Banc's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Middlefield Banc's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Middlefield Banc's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Middlefield Banc's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Middlefield Banc. Please utilize our Beneish M Score to check the likelihood of Middlefield Banc's management to manipulate its earnings.

Middlefield Banc Company Summary

Middlefield Banc competes with Bright Lights, PNC Bank, BRASIL ON, and BRADESCO. 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. Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio. Middlefield Banc operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 185 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0000836147
RegionNorth America
Business Address15985 East High
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.middlefieldbank.bank
Phone440 632 1666
CurrencyUSD - US Dollar
You should never invest in Middlefield Banc without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Middlefield Stock, because this is throwing your money away. Analyzing the key information contained in Middlefield Banc's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Middlefield Banc Key Financial Ratios

Generally speaking, Middlefield Banc's financial ratios allow both analysts and investors to convert raw data from Middlefield Banc's financial statements into concise, actionable information that can be used to evaluate the performance of Middlefield Banc over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Middlefield Banc reports annually and quarterly.

Middlefield Banc Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt29.07 M8.8 M12.75 M17.04 M12.9 M12.52 M
Accumulated Other Comprehensive Income1.09 M(154 K)1.84 M4.28 M3.46 M2.75 M
Total Assets1.11 B1.25 B1.18 B1.39 B1.33 B1.09 B
Cash and Equivalents39.89 M107.93 M35.11 M92.87 M97.17 M104.84 M
Cash and Equivalents USD39.89 M107.93 M35.11 M112.42 M119.49 M94.61 M
Total Debt103.77 M99.2 M17.82 M17.04 M12.9 M13.24 M
Total Debt USD103.77 M99.2 M17.82 M17.04 M12.9 M13.24 M
Deposit Liabilities878.19 M1.02 B1.02 B1.23 B1.17 B1.08 B
Shareholders Equity119.86 M128.29 M137.78 M143.81 M145.34 M156.81 M
Shareholders Equity USD119.86 M128.29 M137.78 M143.81 M145.34 M130.93 M
Goodwill and Intangible Assets17.82 M17.47 M17.13 M16.8 M16.47 M14.66 M
Investments1.01 B1.08 B1.09 B1.21 B1.14 B1.09 B
Total Liabilities986.47 M1.12 B1.04 B1.25 B1.19 B974.65 M
Property Plant and Equipment Net11.85 M13 M17.87 M18.33 M17.27 M16.25 M
Accumulated Retained Earnings Deficit47.43 M56.04 M65.06 M69.58 M83.97 M70.58 M

Middlefield Banc Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Middlefield Banc's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income9.46 M12.43 M12.71 M8.35 M18.63 M15.04 M
Earning Before Interest and Taxes EBIT13.68 M14.59 M15.3 M9.75 M22.7 M18.45 M
Earning Before Interest and Taxes USD13.68 M14.59 M15.3 M9.75 M22.7 M18.45 M
Gross Profit41.16 M43.34 M45.34 M39.54 M54.78 M48.75 M
Net Income9.46 M12.43 M12.71 M8.35 M18.63 M20.1 M
Net Income Common Stock9.46 M12.43 M12.71 M8.35 M18.63 M15.04 M
Net Income Common Stock USD9.46 M12.43 M12.71 M8.35 M18.63 M15.04 M
Operating Expenses27.48 M28.74 M30.03 M29.79 M32.08 M30.28 M
Operating Income13.68 M14.59 M15.3 M9.75 M22.7 M18.47 M
Revenues48.85 M54.09 M59.37 M58.63 M59.54 M49.08 M
Revenues USD41.16 M43.34 M45.34 M39.54 M54.78 M48.75 M
Selling General and Administrative Expense19.27 M21.38 M22.93 M22.65 M24.45 M22.56 M
Weighted Average Shares6.06 M6.46 M6.47 M6.39 M6.19 M5.3 M
Weighted Average Shares Diluted6.11 M6.49 M6.5 M6.4 M6.21 M5.32 M
Income Tax Expense4.22 M2.16 M2.59 M1.4 M4.07 M3.41 M

Middlefield Banc Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Middlefield Banc. It measures of how well Middlefield is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Middlefield Banc brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Middlefield had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Middlefield Banc has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(1.2 M)(2.1 M)(1.9 M)(1.05 M)(605 K)(652.76 K)
Depreciation Amortization and Accretion2.08 M1.91 M2.38 M2.31 M2.42 M2.15 M
Net Cash Flow or Change in Cash and Cash Equivalents7.39 M68.05 M(72.82 M)77.3 M7.08 M8.4 M
Issuance Purchase of Equity Shares15.89 M786 K(1.85 M)(1.18 M)(12.2 M)(12.52 M)
Issuance Repayment of Debt Securities25.98 M(4.57 M)(85.75 M)(1.8 M)(4.2 M)(4.31 M)
Payment of Dividends and Other Cash Distributions(3.36 M)(3.78 M)(3.69 M)(3.83 M)(4.24 M)(4.57 M)
Net Cash Flow from Financing88.72 M130.31 M(86.56 M)197.55 M(79.23 M)(81.32 M)
Net Cash Flow from Investing(95.25 M)(76.54 M)276 K(135.32 M)70.89 M76.48 M
Net Cash Flow Investment Acquisitions and Disposals(101.68 M)(74.61 M)1.81 M(134.98 M)70.57 M76.14 M
Net Cash Flow from Operations13.92 M14.28 M13.46 M15.08 M15.42 M12.67 M
Share Based Compensation33 K467 K644 K144 K478 K515.74 K

Middlefield Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Middlefield Banc's current stock value. Our valuation model uses many indicators to compare Middlefield Banc value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Middlefield Banc competition to find correlations between indicators driving Middlefield Banc's intrinsic value. More Info.
Middlefield Banc is regarded fourth in total debt category among related companies. It is regarded second in z score category among related companies . The ratio of Total Debt to Z Score for Middlefield Banc is about  153,516,667 . Middlefield Banc Total Debt is quite stable at the moment as compared to the past year. The company's current value of Total Debt is estimated at 13.24 Million. Comparative valuation analysis is a catch-all model that can be used if you cannot value Middlefield Banc by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Middlefield Banc's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Middlefield Banc's earnings, one of the primary drivers of an investment's value.

Middlefield Banc Systematic Risk

Middlefield Banc's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Middlefield Banc volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Middlefield Banc correlated with the market. If Beta is less than 0 Middlefield Banc generally moves in the opposite direction as compared to the market. If Middlefield Banc Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Middlefield Banc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Middlefield Banc is generally in the same direction as the market. If Beta > 1 Middlefield Banc moves generally in the same direction as, but more than the movement of the benchmark.
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About Middlefield Banc Financials

What exactly are Middlefield Banc Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Middlefield Banc's income statement, its balance sheet, and the statement of cash flows. Potential Middlefield Banc investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Middlefield Banc investors may use each financial statement separately, they are all related. The changes in Middlefield Banc's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Middlefield Banc's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Middlefield Banc is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Middlefield has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Middlefield Banc November 29, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Middlefield Banc help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Middlefield Banc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Middlefield Banc based on widely used predictive technical indicators. In general, we focus on analyzing Middlefield Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Middlefield Banc's daily price indicators and compare them against related drivers.
Downside Deviation0.6451
Information Ratio0.078
Maximum Drawdown4.33
Value At Risk(0.91)
Potential Upside1.48
Additionally, see Correlation Analysis. Note that the Middlefield Banc information on this page should be used as a complementary analysis to other Middlefield Banc's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Content Syndication module to quickly integrate customizable finance content to your own investment portal.

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Is Middlefield Banc's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Middlefield Banc. If investors know Middlefield will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Middlefield Banc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
(0.14) 
Market Capitalization
167.6 M
Quarterly Revenue Growth YOY
(0.01) 
Return On Assets
0.0125
Return On Equity
0.13
The market value of Middlefield Banc is measured differently than its book value, which is the value of Middlefield that is recorded on the company's balance sheet. Investors also form their own opinion of Middlefield Banc's value that differs from its market value or its book value, called intrinsic value, which is Middlefield Banc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Middlefield Banc's market value can be influenced by many factors that don't directly affect Middlefield Banc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Middlefield Banc's value and its price as these two are different measures arrived at by different means. Investors typically determine Middlefield Banc value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Middlefield Banc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.