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Company Analysis

Middlefield Banc Corp. MBCN

A comprehensive view of key metrics, scores, and financial health for Middlefield Banc Corp.

Overview of Middlefield Banc Corp.

MBCN NCM
Financial Services Banks - Regional Micro Cap
Middlefield Banc Corp. (MBCN), is a Micro Cap company, in the Banks - Regional industry, last closed at $33.67, about 15.4% overvalued vs fair value, +29.3% 1Y return, ranked 435/1004 in sector.
$33.67
0.00%
As of March 2, 2026
Previous close • Vol 90d: 39.7%
52-Week Range
Market Cap
$272.30M
Enterprise Value
$411.24M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.middlefieldbank.ba...
HQ Middlefield, OH
Fiscal year Dec 31

Next Events

Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $33.67 -15% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$100.5M
11.9%%
Interest Expense
$38.8M
Net Interest Income
$59.9M
-7.4%%
Total Revenue
$112.3M
65.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.5M
48.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Middlefield Banc Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
43
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing MBCN's balance between Growth (42.4%), Profitability (28.9%), and Safety (28.7%). Growth 42% Safety 29% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
59
Key Signals
Revenue CAGR 3Y 25.4% 76p Rev Growth YoY 65.4% 59p Asset Growth YoY 2.6% 40p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Middlefield Banc Corp..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$28.47
- - -
-15.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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