Middlefield Banc Corp. (NASDAQ: MBCN) and Baylake (NASDAQ:BYLK) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, profitability, valuation, risk, earnings, institutional ownership and dividends.

Analyst Ratings

This is a breakdown of recent ratings and price targets for Middlefield Banc Corp. and Baylake, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Middlefield Banc Corp. 0 1 1 0 2.50
Baylake 0 0 0 0 N/A

Middlefield Banc Corp. presently has a consensus price target of $50.50, indicating a potential upside of 6.32%. Given Middlefield Banc Corp.’s higher probable upside, equities analysts plainly believe Middlefield Banc Corp. is more favorable than Baylake.

Dividends

Middlefield Banc Corp. pays an annual dividend of $1.08 per share and has a dividend yield of 2.3%. Baylake does not pay a dividend. Middlefield Banc Corp. pays out 36.7% of its earnings in the form of a dividend.

Profitability

This table compares Middlefield Banc Corp. and Baylake’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Middlefield Banc Corp. 18.69% 8.19% 0.82%
Baylake 10.34% 4.05% 0.43%

Insider & Institutional Ownership

24.6% of Middlefield Banc Corp. shares are owned by institutional investors. 8.4% of Middlefield Banc Corp. shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares Middlefield Banc Corp. and Baylake’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Middlefield Banc Corp. $34.86 million 4.38 $9.44 million $2.94 16.16
Baylake N/A N/A N/A N/A N/A

Middlefield Banc Corp. has higher revenue and earnings than Baylake.

Summary

Middlefield Banc Corp. beats Baylake on 9 of the 10 factors compared between the two stocks.

Middlefield Banc Corp. Company Profile

Middlefield Banc Corp. is a bank holding company. The Company’s subsidiaries include The Middlefield Banking Company (MBC) and EMORECO Inc. MBC is engaged in the general commercial banking business in northeastern and central Ohio. MBC offers customers a range of banking services, including checking, savings, money market accounts, time certificates of deposit, commercial loans, real estate loans, various consumer loans, safe deposit facilities and travelers’ checks. MBC offers online banking and bill payment services to individuals, and online cash management services to business customers through its Website at www.middlefieldbank.com. EMORECO engages in the resolution and disposition of troubled assets in central Ohio. MBC’s loan products include operational and working capital loans, loans to finance capital purchases, term business loans, residential construction loans, selected guaranteed or subsidized loan programs for small businesses, and consumer installment loans.

Baylake Company Profile

Baylake Corp. is a bank holding company. The Company’s primary activities consists of holding the stock of its subsidiary bank, Baylake Bank (the Bank), and providing a range of banking and related business activities through the Bank and its other subsidiaries. The Bank is an independent community bank offering a range of financial services primarily to small businesses and individuals located in its market area. The Bank provides a range of loan, deposit and other banking products and services to its business, individual or retail and municipal customers, which include safe deposit box services, personal and corporate trust services, treasury management, private banking, financial planning and electronic banking services, including mobile banking and eBanc, an Internet banking product for its customers. It offers investment advisory services through Admiral Asset Management, Inc. (Admiral). The Bank conducts its community banking business through over 20 service financial centers.

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