Middlefield Banc (MBCN) Stock Price, News & Analysis

Company Overview

Middlefield Banc is a bank holding company headquartered in Middlefield, Ohio, operating through its subsidiary, Middlefield Banking Company. The firm offers a suite of deposit products, including checking, savings, money market accounts and certificates of deposit, alongside comprehensive cash management solutions designed for both individual consumers and businesses.

On the lending side, Middlefield Banc specializes in commercial and residential real estate loans, consumer installment loans and lines of credit. Serving Geauga County and neighboring communities, the bank focuses on addressing the financing needs of local homeowners, small to mid-sized businesses and entrepreneurs. Clients can manage their accounts through in-branch services as well as digital banking tools, such as online bill pay, mobile deposits and secure account access.

Built on community banking principles, Middlefield Banc emphasizes local decision-making and relationship-driven service. Its management team consists of professionals rooted in Eastern Ohio, ensuring that lending and service decisions are tailored to regional market conditions. This localized approach supports the bank’s goal of fostering long-term customer relationships and contributing to the economic well-being of the area.

In addition to traditional banking products, Middlefield Banc provides treasury management, merchant card processing and remote deposit capture to enhance client service. Through community partnerships and targeted sponsorships, the company reinforces its commitment to local development, positioning itself as a responsive alternative to larger financial institutions in the region.

Key Stats

• Today's Range: $32.00 to $33.93
• 50-Day Range: $27.07 to $33.35
• 52-Week Range: $22.74 to $34.00
• Volume: 29,261 shs
• Average Volume: 7,362 shs
• Market Capitalization: $261.39 million
• P/E Ratio: 14.38
• Dividend Yield: 2.60%
• Price Target: $29.00
• Consensus Rating: Hold

Middlefield Banc Stock Analysis - MarketRank™

Middlefield Banc scored higher than 37% of companies evaluated by MarketBeat, and ranked 809th out of 938 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: 1.2 / 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.

Downside Risk

Middlefield Banc has a consensus price target of $29.00, representing about 10.4% downside from its current price of $32.35.

Amount of Analyst Coverage

Middlefield Banc has only been the subject of 1 research reports 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 14.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Middlefield Banc is 14.38, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 239.82.

Price to Book Value per Share Ratio

Middlefield Banc has a P/B Ratio of 1.24. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.70% 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 6.3.

Change versus previous month

Short interest in Middlefield Banc has recently decreased by 8.33%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Middlefield Banc pays a meaningful dividend of 2.60%, 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 37.33%. 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

0.70% 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 6.3.

Change versus previous month

Short interest in Middlefield Banc has recently decreased by 8.33%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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 15.3% and is now trading at $32.35.

How were Middlefield Banc's earnings last quarter?

Middlefield Banc Corp. (NASDAQ:MBCN) announced its quarterly earnings results on Tuesday, July, 22nd. The bank reported $0.76 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.57 by $0.19. The bank earned $20.52 million during the quarter, compared to analysts' expectations of $18.30 million. Middlefield Banc had a trailing twelve-month return on equity of 8.54% and a net margin of 16.16%.

When did Middlefield Banc's stock split?

Shares of Middlefield Banc split before market open on Monday, November 11th 2019.The 2-1 split was announced on Wednesday, October 9th 2019. The newly minted shares were payable 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.

Who are Middlefield Banc's major shareholders?

Top institutional shareholders of Middlefield Banc include Geode Capital Management LLC (2.12%), Elizabeth Park Capital Advisors Ltd. (1.07%), Bridgeway Capital Management LLC (0.60%) and Fisher Asset Management LLC (0.43%). Insiders that own company stock include Ronald Len Jr Zimmerly, Thomas M Wilson, Jennifer L Moeller and Michael C Voinovich.
View institutional ownership trends.

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: 7/22/2025
• Record date for 9/12 Dividend: 8/29/2025
• Ex-Dividend for 9/12 Dividend: 8/29/2025
• Dividend Payable: 9/12/2025
• Today: 9/21/2025
• Next Earnings (Estimated): 10/16/2025
• 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 Price Target for Middlefield Banc: $29.00
• High Price Target: $33.00
• Low Price Target: $25.00
• Potential Upside/Downside: -10.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.25
• Trailing P/E Ratio: 14.38
• Forward P/E Ratio: 16.51
• P/E Growth: N/A
• Net Income: $15.52 million
• Net Margins: 16.16%
• Pretax Margin: 19.28%
• Return on Equity: 8.54%
• Return on Assets: 0.97%

Debt

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

Sales & Book Value

• Annual Sales: $108.47 million
• Price / Sales: 2.41
• Cash Flow: $2.13 per share
• Price / Cash Flow: 15.16
• Book Value: $26.09 per share
• Price / Book: 1.24

Miscellaneous

• Outstanding Shares: 8,080,000
• Free Float: 7,754,000
• Market Cap: $261.39 million
• Optionable: Not Optionable
• Beta: 0.45