MBCN

  
 
 
Middlefield Banc Corp.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 3.1
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 6.3%
Years of Div. Growth ≥ 15: 21

Income Generation

Current Yield 3.1≥ 20-Yrs Treasury Yield 4.4
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs

Sustainability

Debt-To-Equity 0.40 ≤ 0.45 
Last 12Months Cash Payout 0.44 ≤ 0.6 

Profitability

5-Yr Avg. Return-on-Equity 9.2≥ 15%
Last 12Months Return-on-Equity 7.7≥ 15%
Last 12Months Net Profit Margin 16.2≥ 10% 

Fair Value

Average 5-Yrs High Yield 3.9%
Current Price $27.5 ≤ High Yield Price $21.7
Average 5-Yrs Price-to-Earning (P/E) 11.1
Current Price $27.5 ≤ Average P/E Price $21.6
Current Price $27.5 ≤ Fair Value $18.8 

Company Description
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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