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Upturn AI SWOT - About
MBCN 
Middlefield Banc (MBCN)
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Upturn Advisory Summary
08/14/2025: MBCN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $33
1 Year Target Price $33
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.98% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 230.64M USD | Price to earnings Ratio 12.68 | 1Y Target Price 33 |
Price to earnings Ratio 12.68 | 1Y Target Price 33 | ||
Volume (30-day avg) 4 | Beta 0.46 | 52 Weeks Range 22.57 - 33.27 | Updated Date 08/15/2025 |
52 Weeks Range 22.57 - 33.27 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.84% | Basic EPS (TTM) 2.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 0.55 | Actual 0.76 |
Profitability
Profit Margin 25.78% | Operating Margin (TTM) 39.27% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 8.6% |
Valuation
Trailing PE 12.68 | Forward PE 17.21 | Enterprise Value 261338288 | Price to Sales(TTM) 3.27 |
Enterprise Value 261338288 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 4.59 | Enterprise Value to EBITDA - | Shares Outstanding 8081190 | Shares Floating 7158078 |
Shares Outstanding 8081190 | Shares Floating 7158078 | ||
Percent Insiders 3.81 | Percent Institutions 34.52 |
Upturn AI SWOT
Middlefield Banc
Company Overview
History and Background
Middlefield Banc Corp. traces its roots back to 1901. Originally known as The Middlefield Banking Company, it has evolved from a small community bank to a multi-faceted financial institution serving northeast Ohio. It has maintained its community focus throughout its history.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and business checking accounts.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, auto loans, and credit cards to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is typical of a community bank holding company, with various departments responsible for specific business functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Competitors include larger national and regional banks. Market share data for Middlefield Banc is difficult to ascertain specifically, but community banks collectively hold a substantial portion of this market. Estimated revenue is embedded within overall loan portfolio income.
- Residential Mortgages: Loans to individuals for purchasing homes. Competitors include national mortgage lenders and other community banks. Specific market share data is unavailable, but Middlefield Banc operates within the competitive Ohio residential mortgage market. Estimated revenue is embedded within overall loan portfolio income.
- Checking Accounts: A foundational product with a number of users for daily transactions. Bank of America, Chase, and local competitors. Revenue comes from fees and balances held.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Community banks play a vital role in serving local communities.
Positioning
Middlefield Banc is positioned as a community-focused bank, emphasizing relationship banking and local decision-making. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for community banking services in northeast Ohio is estimated to be in the billions of dollars. Middlefield Banc is well-positioned to capture a portion of this market with its strong local presence.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Personalized customer service
- Sound financial performance
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited resources for technological innovation
Opportunities
- Expansion into adjacent markets
- Increased demand for local banking services
- Technological advancements to improve efficiency
- Growing wealth management business
- Partnerships with Fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FFNW
- TCBI
- PBNC
Competitive Landscape
Middlefield Banc competes with larger regional banks and smaller community banks. Its advantage lies in its local focus and personalized service. It must continue to innovate to compete with larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Middlefield Banc has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analysts project continued moderate growth for Middlefield Banc, driven by its strong local presence and expanding business lines.
Recent Initiatives: Recent initiatives include expanding the wealth management business and investing in technology to improve customer experience.
Summary
Middlefield Banc is a stable community bank with a strong local presence and a history of consistent performance. Its strengths lie in its customer relationships and experienced management. The bank needs to address the challenges posed by larger competitors and technological advancements to maintain its growth trajectory. The company must look out for rising interest rates and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Middlefield Banc
Exchange NASDAQ | Headquaters Middlefield, OH, United States | ||
IPO Launch date 2002-06-05 | CEO, President & Non-Independent Director Mr. Ronald L. Zimmerly Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 246 | Website https://www.middlefieldbank.bank |
Full time employees 246 | Website https://www.middlefieldbank.bank | ||
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. The company offers checking, savings, and 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. It also provides 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. In addition, the company resolves and disposes troubled assets in Ohio. Further, it offers official checks, money orders, and ATM services, as well as IRA accounts; online banking and bill payment services to individuals; and online cash management services to business customers. Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio.
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