Analysis of Middlefield Banc (NASDAQ:MBCN) and Colony Bankcorp (NASDAQ:CBAN)



Midfield Banc (NASDAQ:MBCNreceived rating) and Colony Bankcorp (NASDAQ:CBANreceived rating) are both small-cap financial companies, but which is the better stock? We’ll compare the two companies based on their dividend strength, valuation, profitability, earnings, institutional ownership, analyst recommendations, and risk.

Analyst Recommendations

This is a breakdown of the current ratings and price targets for Middlefield Banc and Colony Bankcorp as reported by MarketBeat.com.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
Midfield Banc 0 0 0 0 N / A
Colony Bankcorp 0 1 0 0 2.00

Colony Bankcorp has a consensus price target of $16.75, indicating a potential upside of 16.24%. Given Colony Bankcorp’s higher potential upside potential, analysts clearly believe Colony Bankcorp is cheaper than Middlefield Banc.

dividends

Middlefield Banc pays an annual dividend of $0.68 per share and has a dividend yield of 2.6%. Colony Bankcorp pays an annual dividend of $0.43 per share and has a dividend yield of 3.0%. Middlefield Banc pays out 22.6% of its profits in the form of a dividend. Colony Bankcorp pays out 33.6% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for years to come. Middlefield Banc has increased its dividend for 1 year in a row and Colony Bankcorp has increased its dividend for 5 years in a row. Colony Bankcorp is clearly the better dividend stock because it has a higher yield and a longer track record of dividend growth.

Insider and Institutional Property

28.8% of Middlefield Banc shares are owned by institutional investors. In comparison, 28.3% of Colony Bankcorp stock is owned by institutional investors. 5.2% of Middlefield Banc’s stock is owned by company insiders. By comparison, 7.7% of Colony Bankcorp stock is owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds, and endowments believe a stock will outperform the market over the long term.

profitability

This table compares the net margins, return on equity and return on assets of Middlefield Banc and Colony Bankcorp.

net margins return on equity return on investment
Midfield Banc 31.25% 12.56% 1.34%
Colony Bankcorp 15.39% 10.34% 0.90%

Volatility & Risk

Middlefield Banc has a beta of 0.62, indicating its stock price is 38% less volatile than the S&P 500. In comparison, Colony Bankcorp has a beta of 0.51, indicating its stock price is 49% less is more volatile than the S&P 500.

Score & Rating

This table compares the revenue, earnings per share, and valuation of Middlefield Banc and Colony Bankcorp.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
Midfield Banc $59.54 million 2.57 $18.63 million $3.01 8.66
Colony Bankcorp $106.88 million 2.37 $18.66 million $1.28 11.26

Colony Bankcorp has higher revenues and profits than Middlefield Banc. Middlefield Banc is trading at a lower price-to-earnings multiple than Colony Bankcorp, suggesting it’s the cheaper of the two stocks at the moment.

summary

Middlefield Banc beats Colony Bankcorp on 8 of the 15 factors compared between the two stocks.

About Middlefield Banc

(received rating)

Middlefield Banc Corp. serves as the bank holding company for The Middlefield Banking Company, which provides a variety of commercial banking services to small and medium-sized businesses, freelancers, small business owners and individuals in northeast and central Ohio. It offers checks, savings deposits, transferable withdrawal accounts, money market accounts, time deposit certificates, commercial loans, real estate loans, various consumer loans, safe deposit boxes, and travelers checks. The company also offers working and working capital, term business, home, professional and home and mortgage loans, and consumer installment loans for home renovations, autos, boats and other personal expenses; loans to finance capital purchases; selected guaranteed or subsidized small business loan programs; and agricultural loans. In addition, it offers official checks, money orders, ATM services and IRA accounts; online banking and bill payment services for individuals; and online cash management services for business customers. In addition, the company redeems and disposes of distressed assets in Ohio. As of December 31, 2021, it has 17 banking centers in Chardon, Newbury and Middlefield, Garrettsville, Mantua, Orwell, Cortland, Dublin, Westerville, Sunbury, Powell, Beachwood, Solon, Twinsburg and Plain City; and an administrative office in Middlefield and a credit production office in Mentor. Middlefield Banc Corp. was founded in 1901 and is headquartered in Middlefield, Ohio.

About Colony Bankcorp

(received rating)

Colony Bankcorp, Inc. acts as the bank holding company for Colony Bank, which provides a variety of banking products and services to corporate and consumer customers. The Company offers a variety of deposit products including sight, savings and time deposits. It also provides loans to small and medium-sized enterprises; home and commercial building loans and land development loans; commercial real estate loans; commercial loans; agricultural and production loans; residential mortgage loans; home equity loans; and consumer credit. The company also offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services and remote custody products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations across Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.



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