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Upturn AI SWOT - About
MBCN 
Middlefield Banc (MBCN)
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Upturn Advisory Summary
10/15/2025: 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 $32.67
1 Year Target Price $32.67
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.88% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 228.46M USD | Price to earnings Ratio 12.56 | 1Y Target Price 32.67 |
Price to earnings Ratio 12.56 | 1Y Target Price 32.67 | ||
Volume (30-day avg) 4 | Beta 0.45 | 52 Weeks Range 22.42 - 33.93 | Updated Date 10/17/2025 |
52 Weeks Range 22.42 - 33.93 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.95% | Basic EPS (TTM) 2.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.63 | Actual - |
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 12.56 | Forward PE 17.21 | Enterprise Value 252044912 | Price to Sales(TTM) 3.24 |
Enterprise Value 252044912 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 4.64 | Enterprise Value to EBITDA - | Shares Outstanding 8081193 | Shares Floating 7198403 |
Shares Outstanding 8081193 | Shares Floating 7198403 | ||
Percent Insiders 3.81 | Percent Institutions 34.65 |
Upturn AI SWOT
Middlefield Banc
Company Overview
History and Background
Middlefield Banc Corp. was founded in 1901 and has grown into a financial holding company providing retail and commercial banking services. Headquartered in Middlefield, Ohio, it has expanded its presence through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides commercial loans, lines of credit, and deposit services to businesses.
- Retail Banking: Offers personal loans, mortgages, checking and savings accounts, and other banking products to individuals.
- Wealth Management: Offers trust and investment services to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments focusing on lending, operations, compliance, and customer service. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as expansion, working capital, and equipment. Market share data specific to Middlefield Banc is not readily available. Competitors include larger regional and national banks like KeyCorp (KEY) and Huntington Bancshares (HBAN).
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data specific to Middlefield Banc is not readily available. Competitors include Quicken Loans, Rocket Mortgage, and national banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data specific to Middlefield Banc is not readily available. Competitors include Chase (JPM), Bank of America (BAC), and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently experiencing consolidation, increasing regulatory scrutiny, and pressure from fintech companies. Interest rates, economic growth, and regulatory changes heavily influence the industry.
Positioning
Middlefield Banc is a community bank focused on serving the needs of its local market. Its competitive advantages include strong customer relationships, local market knowledge, and personalized service.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing individuals and businesses seeking local banking services. Middlefield Banc is positioned to capture a share of this TAM through its community focus and customer service.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Personalized service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower technology adoption rates compared to larger banks
- Potential regulatory compliance costs
Opportunities
- Expand into new markets
- Increase digital banking services
- Acquire smaller banks or branches
- Grow wealth management business
- Capitalize on fintech partnerships
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns affecting loan quality
- Rising interest rates impacting profitability
- Changes in regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- KeyCorp (KEY)
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
Competitive Landscape
Middlefield Banc competes with larger regional banks and smaller community banks. Its advantages lie in its local market knowledge and personalized service. However, it faces challenges in terms of scale and technology adoption compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth data unavailable. Unable to discuss Middlefield Banc's growth trends over the past years.
Future Projections: Future Projections data unavailable. Unable to provide projections for Middlefield Banc's future growth based on analyst estimates.
Recent Initiatives: Recent Initiatives data unavailable. Unable to highlight recent strategic initiatives undertaken by Middlefield Banc.
Summary
Middlefield Banc is a community bank with deep roots in its local market. Its strengths include strong customer relationships and personalized service. However, it faces challenges from larger competitors and the need to adapt to changing technology. The company must navigate a competitive landscape to maintain its market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party Financial Data Providers
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates 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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