Middlefield Banc (MBCN) Stock Price, News & Analysis

Company Overview

Middlefield Bancorp, Inc. (NASDAQ: MBCN) is the bank holding company for Middlefield Banking Company, a community‐focused financial institution headquartered in Middlefield, Ohio. Through its banking subsidiary, the company offers a broad suite of deposit, lending and cash management solutions designed to meet the needs of individuals, small businesses and agricultural customers. Its product portfolio includes checking and savings accounts, certificates of deposit, mobile and online banking, commercial and real estate loans, construction and development financing, as well as equipment and agricultural lending.

In addition to traditional banking services, Middlefield Bancorp provides specialized wealth management and trust services through its affiliate, Middlefield Trust Company. These services encompass personal trust administration, investment management, estate planning support and retirement planning. By integrating these offerings, the company seeks to deliver a comprehensive financial experience for clients seeking to preserve, grow and transfer wealth.

Founded in the early 20th century, Middlefield Banking Company has steadily expanded its footprint across northeastern Ohio. Today, the bank operates multiple branch locations in Geauga, Lake and Cuyahoga counties, while also serving customers through digital channels and a dedicated treasury solutions team. Its regional presence enables it to maintain a strong community focus, supporting local development projects and small business growth initiatives.

The company is governed by an experienced board of directors and executive leadership team with deep roots in Ohio’s banking industry. Middlefield Bancorp emphasizes personalized service and community engagement, positioning itself as a reliable partner for clients seeking both traditional banking and specialized financial planning solutions in its served markets.

Key Stats

• Today's Range: $31.00 to $32.00
• 50-Day Range: $25.67 to $31.98
• 52-Week Range: $21.68 to $34.00
• Volume: 4,349 shs
• Average Volume: 9,937 shs
• Market Capitalization: $258.43 million
• P/E Ratio: 15.91
• Dividend Yield: 2.63%
• Price Target: $28.50
• Consensus Rating: Hold

Middlefield Banc Stock Analysis - MarketRank™

Middlefield Banc scored higher than 23% of companies evaluated by MarketBeat, and ranked 815th out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Middlefield Banc has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Middlefield Banc has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.16%

Earnings Growth

Earnings for Middlefield Banc are expected to grow by 8.16% in the coming year, from $1.96 to $2.12 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Middlefield Banc is 15.91, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Middlefield Banc is 15.91, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Middlefield Banc has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.79% of the float of Middlefield Banc has been sold short.

Short Interest Ratio / Days to Cover

Middlefield Banc has a short interest ratio ("days to cover") of 7.2.

Change versus previous month

Short interest in Middlefield Banc has recently increased by 17.34%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Middlefield Banc pays a meaningful dividend of 2.62%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Middlefield Banc has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Middlefield Banc is 41.79%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Middlefield Banc will have a dividend payout ratio of 39.62% next year. This indicates that Middlefield Banc will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.79% of the float of Middlefield Banc has been sold short.

Short Interest Ratio / Days to Cover

Middlefield Banc has a short interest ratio ("days to cover") of 7.2.

Change versus previous month

Short interest in Middlefield Banc has recently increased by 17.34%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for MBCN on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Middlefield Banc insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.05% of the stock of Middlefield Banc is held by insiders.

Percentage Held by Institutions

Only 31.72% of the stock of Middlefield Banc is held by institutions.

MBCN Stock Analysis - Frequently Asked Questions

How have MBCN shares performed this year?

Middlefield Banc's stock was trading at $28.05 on January 1st, 2025. Since then, MBCN stock has increased by 14.0% and is now trading at $31.98.

How were Middlefield Banc's earnings last quarter?

Middlefield Banc Corp. (NASDAQ:MBCN) issued its quarterly earnings results on Thursday, April, 24th. The bank reported $0.60 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.48 by $0.12. The bank had revenue of $18.04 million for the quarter, compared to analyst estimates of $17.23 million. Middlefield Banc had a net margin of 14.78% and a trailing twelve-month return on equity of 7.69%.

When did Middlefield Banc's stock split?

Middlefield Banc shares split on Monday, November 11th 2019.The 2-1 split was announced on Wednesday, October 9th 2019. The newly minted shares were issued to shareholders after the closing bell on Friday, November 8th 2019. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

How do I buy shares of Middlefield Banc?

Shares of MBCN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Middlefield Banc own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Middlefield Banc investors own include Waste Connections (WCN), The RMR Group (RMR), iShares Micro-Cap ETF (IWC), DiamondRock Hospitality (DRH), American Water Works (AWK), AU Optronics (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/13 Dividend: 5/30/2025
• Ex-Dividend for 6/13 Dividend: 5/30/2025
• Dividend Payable: 6/13/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:MBCN
• CIK: 836147
• Web: www.middlefieldbank.bank
• Phone: (440) 632-1666
• Fax: N/A
• Employees: 180
• Year Founded: 1901

Price Target and Rating

• Average Stock Price Target: $28.50
• High Stock Price Target: $32.00
• Low Stock Price Target: $25.00
• Potential Upside/Downside: -10.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.01
• Trailing P/E Ratio: 15.91
• Forward P/E Ratio: 16.32
• P/E Growth: N/A
• Net Income: $15.52 million
• Net Margins: 14.78%
• Pretax Margin: 17.50%
• Return on Equity: 7.69%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $69.17 million
• Price / Sales: 3.74
• Cash Flow: $2.13 per share
• Price / Cash Flow: 15.00
• Book Value: $26.09 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 8,081,000
• Free Float: 7,754,000
• Market Cap: $258.43 million
• Optionable: Not Optionable
• Beta: 0.41