Middlefield Banc (MBCN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Middlefield Banc stock (MBCN) is currently trading at $33.67. Middlefield Banc PE ratio is 14.09. Middlefield Banc PS ratio (Price-to-Sales) is 3.53. Analyst consensus price target for MBCN is $35.00. WallStSmart rates MBCN as Underperform.
- MBCN PE ratio analysis and historical PE chart
- MBCN PS ratio (Price-to-Sales) history and trend
- MBCN intrinsic value — DCF, Graham Number, EPV models
- MBCN stock price prediction 2025 2026 2027 2028 2029 2030
- MBCN fair value vs current price
- MBCN insider transactions and insider buying
- Is MBCN undervalued or overvalued?
- Middlefield Banc financial analysis — revenue, earnings, cash flow
- MBCN Piotroski F-Score and Altman Z-Score
- MBCN analyst price target and Smart Rating
Middlefield Banc
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MBCN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Middlefield Banc (MBCN)
MBCN trades 112% above its Graham fair value of $16.25, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Middlefield Banc (MBCN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Middlefield Banc (MBCN) Key Strengths (3)
Keeps $32 of every $100 in revenue after operating costs
Keeps $25 of every $100 in revenue as net profit
Trading at 1.19x book value, attractively priced
Supporting Valuation Data
Middlefield Banc (MBCN) Areas to Watch (6)
Earnings declining -36.50%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.53x sales
Solid revenue growth at 12.30% per year
Moderate institutional interest at 32.60%
Middlefield Banc (MBCN) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.19) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.20%, Profit Margin at 25.00%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.53) suggest expensive pricing. Growth concerns include Revenue Growth at 12.30%, EPS Growth at -36.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.82%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.82% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MBCN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MBCN's Price-to-Sales ratio of 3.53x trades at a deep discount to its historical average of 9.11x (10th percentile). The current valuation is 91% below its historical high of 38.06x set in May 2006, and 66% above its historical low of 2.12x in Mar 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Middlefield Banc (MBCN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Middlefield Banc is a mature, profitable business with steady cash generation. Revenue reached 78M with 12% growth year-over-year. Profit margins are strong at 25.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 25.0% and operating margin of 32.2% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Debt management: total debt of 186M is significantly higher than cash (48M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Middlefield Banc.
Bottom Line
Middlefield Banc is a well-established business delivering consistent profitability with 25.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Middlefield Banc(MBCN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Middlefield Banc Corp.