Middlefield Banc Corp. (MBCN)

Price$33.67

Favorite Metrics

Price vs S&P 500 (26W)-5.34%

Price vs S&P 500 (4W)1.25%

Market Capitalization$273.63M

P/E Ratio (Annual)14.09x

Indicated Dividend Yield (Annual)2.49%

All Metrics

P/CF (Annual)15.66x

Book Value / Share (Quarterly)$28.26

P/TBV (Annual)1.24x

Indicated Dividend (Annual)$0.84

Revenue Growth (3Y)0.23%

Cash Flow / Share (Quarterly)$2.17

Payout Ratio (TTM)31.71%

Price vs S&P 500 (YTD)-3.12%

Net Profit Margin (TTM)24.26%

EPS (TTM)$2.39

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$2.39

Revenue Growth (5Y)4.53%

EPS (Annual)$2.39

Dividend / Share (Annual)$0.80

ROI (Annual)8.06%

Net Profit Margin (5Y Avg)26.89%

Cash / Share (Quarterly)$6.95

P/E Basic Excl Extra (TTM)14.09x

Revenue Growth QoQ (YoY)70.04%

EPS Growth (5Y)12.85%

P/E Normalized (Annual)14.09x

ROA (Last FY)1.02%

Revenue Growth TTM (YoY)60.26%

EBITD / Share (TTM)$2.89

ROE (5Y Avg)9.00%

Operating Margin (TTM)28.92%

Cash Flow / Share (Annual)$2.07

P/B Ratio1.19x

P/B Ratio (Quarterly)1.22x

Net Income / Employee (Annual)$0

ROA (TTM)1.01%

EPS Growth QoQ (YoY)-36.36%

EV / EBITDA (TTM)12.14x

EPS Incl Extra (Annual)$2.39

3-Month Avg Trading Volume0.03M

52-Week Price Return31.52%

EV / Free Cash Flow (Annual)17.08x

P/E Incl Extra (TTM)14.09x

Tangible BV / Share (Quarterly)$27.69

P/S Ratio (Annual)4.11x

52-Week High$37.67

EPS Excl Extra (Annual)$2.39

CapEx CAGR (5Y)-16.40%

Tangible BV CAGR (5Y)9.63%

26-Week Price Return0.96%

13-Week Price Return0.72%

Total Debt / Equity (Annual)0.05x

Enterprise Value$285.074

Revenue / Share Growth (5Y)6.38%

Book Value / Share Growth (5Y)4.69%

Revenue / Employee (Annual)$269,140

Pretax Margin (Annual)33.19%

Cash / Share (Annual)$6.23

3-Month Return Std Dev29.89%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)15.59%

EBITDA Interim CAGR (5Y)3.14%

ROE (Last FY)8.46%

EPS Basic Excl Extra (Annual)$2.39

P/FCF (TTM)15.56x

EV / Free Cash Flow (TTM)16.21x

Total Debt / Equity (Quarterly)0.05x

EPS Incl Extra (TTM)$2.39

ROI (TTM)8.36%

Dividend Growth Rate (5Y)6.90%

P/S Ratio (TTM)3.28x

Pretax Margin (5Y Avg)32.23%

Revenue / Share (Annual)$9.42

Tangible BV / Share (Annual)$27.69

Forward P/E14.03x

Free OCF CAGR (5Y)7.62%

Price vs S&P 500 (52W)14.27%

P/E Ratio (TTM)14.09x

EPS Growth TTM (YoY)24.48%

Year-to-Date Return-2.52%

5-Day Price Return-0.80%

EPS Normalized (Annual)$2.39

ROA (5Y Avg)1.03%

Net Profit Margin (Annual)27.53%

Month-to-Date Return0.39%

Cash Flow / Share (TTM)$2.60

EBITD / Share (Annual)$2.89

EPS Growth (3Y)-2.72%

Operating Margin (Annual)33.19%

LT Debt / Equity (Annual)0.05x

P/CF (TTM)13.46x

ROI (5Y Avg)8.45%

P/E Excl Extra (TTM)14.09x

LT Debt / Equity (Quarterly)0.05x

EPS Basic Excl Extra (TTM)$2.39

P/TBV (Quarterly)1.24x

Payout Ratio (Annual)41.61%

P/B Ratio (Annual)1.22x

Dividend / Share (TTM)$0.83

Pretax Margin (TTM)28.92%

Book Value / Share (Annual)$28.26

Price vs S&P 500 (13W)-1.86%

Net Margin Growth (5Y)3.35%

Dividend Yield (TTM)2.45%

Beta-0.03x

P/FCF (Annual)16.39x

Revenue / Share (TTM)$9.22

ROE (TTM)8.79%

52-Week Low$22.73

Analyst Recommendations

Dec 2025

Jan 2026

Feb 2026

Mar 2026

2.38

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
MBCNMiddlefield Banc Corp.	1.22x	8.79%	1.01%	—	$33.67
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

Middlefield Banc Corp is a bank holding company providing deposit and lending products to retail and commercial customers. Its core offerings include checking, savings, money market, and time deposit accounts, complemented by commercial, real estate, and consumer loans. The company also delivers digital banking services, including online banking, bill payment for individuals, and cash management solutions for businesses.