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Upturn AI SWOT - About
MBCN 
Middlefield Banc (MBCN)
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Upturn Advisory Summary
04/01/2025: MBCN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -3.32% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 220.22M USD | Price to earnings Ratio 14.19 | 1Y Target Price 27.67 |
Price to earnings Ratio 14.19 | 1Y Target Price 27.67 | ||
Volume (30-day avg) 7559 | Beta 0.7 | 52 Weeks Range 20.16 - 33.50 | Updated Date 04/2/2025 |
52 Weeks Range 20.16 - 33.50 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.12% | Basic EPS (TTM) 1.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.56% | Operating Margin (TTM) 36.71% |
Management Effectiveness
Return on Assets (TTM) 0.84% | Return on Equity (TTM) 7.46% |
Valuation
Trailing PE 14.19 | Forward PE 17.21 | Enterprise Value 346303456 | Price to Sales(TTM) 3.34 |
Enterprise Value 346303456 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 5.92 | Enterprise Value to EBITDA - | Shares Outstanding 8081300 | Shares Floating 7162054 |
Shares Outstanding 8081300 | Shares Floating 7162054 | ||
Percent Insiders 4.1 | Percent Institutions 34.01 |
Analyst Ratings
Rating 3 | Target Price 29.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Middlefield Banc
Company Overview
History and Background
The Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio. It operates as the holding company for The Middlefield Banking Company, which provides retail and commercial banking services.
Core Business Areas
- Commercial Banking: Offers a range of commercial loans, lines of credit, and deposit services to businesses of various sizes.
- Retail Banking: Provides personal banking products and services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
The Middlefield Banc Corp. is led by a board of directors and a senior management team. The company's organizational structure is typical of community banks, with distinct departments for commercial banking, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses' operations, expansion, or acquisitions. Market share data is granular and difficult to ascertain specifically, but community banks collectively hold a substantial portion of small business lending. Competitors include larger regional and national banks like Huntington Bancshares (HBAN), KeyCorp (KEY), and PNC Financial Services (PNC), along with other community banks.
- Residential Mortgages: Offers mortgages to individuals for home purchases and refinancing. Market share is competitive, with numerous lenders vying for business. Competitors include Quicken Loans, Wells Fargo (WFC), and Chase (JPM) as well as local credit unions and other community banks.
- Deposit Accounts: Includes checking, savings, and money market accounts for consumers and businesses. Market share is heavily dependent on local presence and relationships. Competitors include all banks operating in their footprint.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks are also dealing with consolidation pressures.
Positioning
Middlefield Banc positions itself as a community-focused bank, emphasizing personalized service and local decision-making. This differentiates it from larger national banks.
Total Addressable Market (TAM)
The TAM includes the total lending and deposit market in Northeast Ohio. Middlefield Banc's position in the market is relatively small, representing a small percentage of the total banking assets in the region.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited resources for technology investment
Opportunities
- Expanding into adjacent markets
- Offering new digital banking services
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HBAN
- KEY
- PNC
- FFBC
Competitive Landscape
Middlefield Banc's competitive advantages include its local focus and personalized service. Its disadvantages include its smaller size and limited resources compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Analyze historical revenue and earnings growth rates.
Future Projections: Obtain analyst estimates for future revenue and earnings growth.
Recent Initiatives: Review recent press releases and investor presentations for information on strategic initiatives.
Summary
Middlefield Banc is a community bank with a strong local presence. While it faces competition from larger banks and potential economic headwinds, its focus on customer relationships and local market expertise positions it for continued success. The company must invest in technology and strategic expansion to remain competitive. Middlefield's small size compared to its competition makes it difficult to thrive.
Similar Companies
FFBC
First Financial Bancorp
FFBC
First Financial Bancorp
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
Sources and Disclaimers
Data Sources:
- Company Financial Statements
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Middlefield Banc
Exchange NASDAQ | Headquaters Middlefield, OH, United States | ||
IPO Launch date 2002-06-05 | CEO, President & Non-Independent Director Mr. Ronald L. Zimmerly Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 246 | Website https://www.middlefieldbank.bank |
Full time employees 246 | 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. The company offers 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. It also provides 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. In addition, the company resolves and disposes troubled assets in Ohio. Further, it offers official checks, money orders, and ATM services, as well as IRA accounts; online banking and bill payment services to individuals; and online cash management services to business customers. Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio.
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