Loading...

We've got a brand new version of Simply Wall St! Try it out

MB Financial

Nasdaq:MBFI
Snowflake Description

Flawless balance sheet established dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MBFI
Nasdaq
$4B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

MB Financial, Inc. operates as a bank holding company for MB Financial Bank, N.A. The last earnings update was 21 days ago. More info.


Add to Portfolio Compare Print
MBFI Share Price and Events
7 Day Returns
-9%
NasdaqGS:MBFI
-1.6%
US Banks
0.4%
US Market
1 Year Returns
4.6%
NasdaqGS:MBFI
-11.1%
US Banks
3.5%
US Market
MBFI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
MB Financial (MBFI) -9% -7.9% 11.6% 4.6% 30.6% 40.1%
US Banks -1.6% -2.2% 13.1% -11.1% 47.2% 38.9%
US Market 0.4% 1.6% 16.4% 3.5% 39.4% 44%
1 Year Return vs Industry and Market
  • MBFI outperformed the Banks industry which returned -11.1% over the past year.
  • MBFI outperformed the Market in United States of America which returned 3.5% over the past year.
Price Volatility
MBFI
Industry
5yr Volatility vs Market

MBFI Value

 Is MB Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of MB Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for MB Financial.

NasdaqGS:MBFI Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $37.10 * 7.2%
$2.67
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. $37.10
Discount Rate (Cost of Equity) See below 8.3%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:MBFI
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.63
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.628 (1 + (1- 21%) (54.63%))
0.932
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.93
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.932 * 5.96%)
8.28%

Discounted Cash Flow Calculation for NasdaqGS:MBFI using Excess Returns Model Model

The calculations below outline how an intrinsic value for MB Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:MBFI Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.2% – 8.28%) * $37.10)
$-0.40
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.40 / (8.28% - 2.73%)
$-7.26
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $37.10 + $-7.26
$29.84
NasdaqGS:MBFI Discount to Share Price
Calculation Result
Value per share (USD) From above. $29.84
Current discount Discount to share price of $42.38
= -1 x ($42.38 - $29.84) / $29.84
-42%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of MB Financial is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for MB Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are MB Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:MBFI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $2.58
NasdaqGS:MBFI Share Price ** NasdaqGS (2019-03-21) in USD $42.38
United States of America Banks Industry PE Ratio Median Figure of 587 Publicly-Listed Banks Companies 13.03x
United States of America Market PE Ratio Median Figure of 3,058 Publicly-Listed Companies 17.52x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of MB Financial.

NasdaqGS:MBFI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:MBFI Share Price ÷ EPS (both in USD)

= 42.38 ÷ 2.58

16.45x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • MB Financial is overvalued based on earnings compared to the US Banks industry average.
  • MB Financial is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does MB Financial's expected growth come at a high price?
Raw Data
NasdaqGS:MBFI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 16.45x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
18.9%per year
United States of America Banks Industry PEG Ratio Median Figure of 260 Publicly-Listed Banks Companies 1.18x
United States of America Market PEG Ratio Median Figure of 2,103 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

NasdaqGS:MBFI PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 16.45x ÷ 18.9%

0.87x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • MB Financial is good value based on expected growth next year.
Price based on value of assets
What value do investors place on MB Financial's assets?
Raw Data
NasdaqGS:MBFI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $33.64
NasdaqGS:MBFI Share Price * NasdaqGS (2019-03-21) in USD $42.38
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.23x
United States of America Market PB Ratio Median Figure of 5,157 Publicly-Listed Companies 1.88x
NasdaqGS:MBFI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:MBFI Share Price ÷ Book Value per Share (both in USD)

= 42.38 ÷ 33.64

1.26x

* Primary Listing of MB Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • MB Financial is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess MB Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. MB Financial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

MBFI Future Performance

 How is MB Financial expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
18.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is MB Financial expected to grow at an attractive rate?
  • MB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • MB Financial's earnings growth is expected to exceed the United States of America market average.
  • MB Financial's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:MBFI Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:MBFI Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 18.9%
NasdaqGS:MBFI Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 6.2%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.5%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:MBFI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:MBFI Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 1,057 315 2
2019-12-31 1,003 282 4
NasdaqGS:MBFI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 933 842 217
2018-09-30 937 977 286
2018-06-30 965 661 305
2018-03-31 955 283 312
2017-12-31 950 574 296
2017-09-30 946 512 199
2017-06-30 930 356 183
2017-03-31 912 377 182
2016-12-31 876 252 166
2016-09-30 828 77 163
2016-06-30 789 232 158
2016-03-31 770 315 156

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • MB Financial's earnings are expected to grow by 18.9% yearly, however this is not considered high growth (20% yearly).
  • MB Financial's revenue is expected to grow by 6.2% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:MBFI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from MB Financial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:MBFI Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 3.69 3.93 3.45 2.00
2019-12-31 3.30 3.36 3.24 4.00
NasdaqGS:MBFI Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 2.58
2018-09-30 3.40
2018-06-30 3.64
2018-03-31 3.72
2017-12-31 3.53
2017-09-30 2.38
2017-06-30 2.22
2017-03-31 2.28
2016-12-31 2.16
2016-09-30 2.18
2016-06-30 2.15
2016-03-31 2.11

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • MB Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess MB Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
MB Financial has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

MBFI Past Performance

  How has MB Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare MB Financial's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • MB Financial has delivered over 20% year on year earnings growth in the past 5 years.
  • MB Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • MB Financial's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.
Earnings and Revenue History
MB Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from MB Financial Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:MBFI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 933.23 217.10 532.19
2018-09-30 937.09 286.37 548.66
2018-06-30 965.26 305.50 557.44
2018-03-31 954.57 312.43 548.07
2017-12-31 950.16 296.03 538.01
2017-09-30 946.00 199.02 534.84
2017-06-30 930.25 182.59 532.87
2017-03-31 911.56 181.54 523.67
2016-12-31 876.48 166.13 505.55
2016-09-30 828.45 162.55 481.03
2016-06-30 788.71 158.41 461.01
2016-03-31 770.06 155.94 448.54
2015-12-31 766.31 150.94 446.75
2015-09-30 769.42 143.46 445.43
2015-06-30 728.26 110.09 419.67
2015-03-31 645.08 94.24 373.27
2014-12-31 558.18 82.10 324.49
2014-09-30 474.74 71.83 277.17
2014-06-30 432.97 91.33 253.56
2014-03-31 428.94 93.52 250.38
2013-12-31 432.53 98.45 248.28
2013-09-30 444.62 98.61 245.21
2013-06-30 448.33 97.34 239.23
2013-03-31 440.42 94.19 234.36
2012-12-31 430.88 87.10 231.29
2012-09-30 405.18 79.93 227.33
2012-06-30 386.84 73.86 224.09
2012-03-31 339.13 41.77 220.98

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • MB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • MB Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if MB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess MB Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
MB Financial has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

MBFI Health

 How is MB Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of MB Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from MB Financial Company Filings, last reported 2 months ago.

NasdaqGS:MBFI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 3,034.85 1,940.85 490.58
2018-09-30 2,965.33 1,489.03 488.87
2018-06-30 2,948.69 1,576.20 545.54
2018-03-31 2,934.35 1,763.20 431.86
2017-12-31 3,009.82 1,577.69 400.72
2017-09-30 2,692.09 2,482.42 479.73
2017-06-30 2,648.28 2,534.60 502.21
2017-03-31 2,616.43 2,077.02 508.35
2016-12-31 2,579.21 2,091.75 303.26
2016-09-30 2,563.41 2,017.12 588.47
2016-06-30 2,156.54 1,951.46 560.63
2016-03-31 2,122.89 1,509.54 484.83
2015-12-31 2,087.28 1,592.18 276.29
2015-09-30 2,063.23 1,221.77 366.66
2015-06-30 2,077.74 1,705.30 477.77
2015-03-31 2,058.29 933.74 369.34
2014-12-31 2,028.29 1,200.11 231.27
2014-09-30 1,991.37 964.60 480.75
2014-06-30 1,365.32 469.95 771.30
2014-03-31 1,343.78 424.20 521.12
2013-12-31 1,326.68 726.25 459.95
2013-09-30 1,309.47 474.15 304.22
2013-06-30 1,296.08 464.99 440.42
2013-03-31 1,294.80 466.22 240.03
2012-12-31 1,275.77 517.77 223.14
2012-09-30 1,260.83 590.72 456.63
2012-06-30 1,237.75 669.63 436.81
2012-03-31 1,215.43 708.25 400.96
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • MB Financial has an acceptable proportion of non-loan assets held.
  • MB Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at MB Financial are broadly funded by customer deposits.
  • MB Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • MB Financial has a sufficient allowance for bad loans.
  • MB Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess MB Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. MB Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

MBFI Dividends

 What is MB Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.27%
Current annual income from MB Financial dividends. Estimated to be 2.42% next year.
If you bought $2,000 of MB Financial shares you are expected to receive $45 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • MB Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.47%).
  • MB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.67%).
Upcoming dividend payment

Purchase MB Financial on or before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:MBFI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 470 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2006 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:MBFI Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 1.04 1.00
2019-12-31 1.02 2.00
NasdaqGS:MBFI Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-03-04 0.960 2.129
2018-12-03 0.960 2.245
2018-08-31 0.960 2.101
2018-05-25 0.960 1.976
2018-03-02 0.960 2.224
2017-11-30 0.840 1.914
2017-08-30 0.840 1.912
2017-05-25 0.840 2.008
2017-02-27 0.760 1.773
2016-11-15 0.760 1.677
2016-08-29 0.760 2.006
2016-05-27 0.760 2.048
2016-02-29 0.680 2.035
2015-11-03 0.680 2.135
2015-08-31 0.680 2.107
2015-05-27 0.680 2.006
2015-03-02 0.560 1.809
2014-12-01 0.560 1.815
2014-08-25 0.560 1.918
2014-05-29 0.480 1.750
2014-02-28 0.480 1.645
2013-12-03 0.480 1.586
2013-08-30 0.480 1.647
2013-05-31 0.400 1.454
2013-02-27 0.400 1.637
2012-10-24 0.400 1.951
2012-07-26 0.040 0.199
2012-07-17 0.040 0.196
2012-01-27 0.040 0.196
2011-10-28 0.040 0.237
2011-08-01 0.040 0.249
2011-05-02 0.040 0.206
2011-01-28 0.040 0.197
2010-10-29 0.040 0.244
2010-07-30 0.040 0.245
2010-05-04 0.040 0.200
2010-02-03 0.040 0.181
2009-11-02 0.040 0.207
2009-08-03 0.040 0.236
2009-04-22 0.040 0.355
2009-03-23 0.480 3.263

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of MB Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.7x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.5x coverage).
X
Income/ dividend checks
We assess MB Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can MB Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. MB Financial has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

MBFI Management

 What is the CEO of MB Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mitch Feiger
COMPENSATION $4,105,837
AGE 59
TENURE AS CEO 20.1 years
CEO Bio

Mr. Mitchell S. Feiger, also known as Mitch, has been the Chief Executive Officer and President of MB Financial Inc. since February 1999. Mr. Feiger served as the Chief Executive Officer and President of MB Financial Bank N.A., a subsidiary of MB Financial Inc. since September 2010. Mr. Feiger served as the President and Chief Executive Officer at MB Financial Inc.'s predecessor company (Old MB Financial) from February 1999. He served as the Chief Executive Officer at Coal City Corporation from October 1998 to February 1999 and served as its President from 1992 to 1999. Prior to that, from 1992 to February 1999, he served as Executive Vice President of Affiliated Banc Group. From 1984 to 1992, he held a variety of positions with Affiliated Banc Group. Mr. Feiger began his career with Touche Ross & Company in 1982. He serves as the Vice Chairman of Community Investment Corporation. He has been a Director of MB Financial Inc. since 1992 and MB Financial Bank N.A since September 2010. He serves as a Director of Union Bank, N.A. and Abrams Centre National Bank. He serves as a Member of Corporate Board of Calamos Convertible Opportunities & Income Fund. Mr. Feiger served as an Independent Director of Calamos Asset Management Inc. since January 2007. Mr. Feiger served as a Director of Coal City Corporation from 1992 to 1999. He is a Member of the Advisory Board for the Institute for Truth in Accounting. Mr. Feiger received his M.B.A. in 1982 from the University of Chicago Graduate School of Business and his Bachelor's Degree in 1980 from the University of Illinois, Champaign.

CEO Compensation
  • Mitch's compensation has been consistent with company performance over the past year.
  • Mitch's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the MB Financial management team in years:

4.2
Average Tenure
56
Average Age
  • The tenure for the MB Financial management team is about average.
Management Team

Mitch Feiger

TITLE
President
COMPENSATION
$4M
AGE
59
TENURE
20.1 yrs

Randy Conte

TITLE
VP & CFO
COMPENSATION
$1M
AGE
57
TENURE
2.9 yrs

Mark Heckler

TITLE
Executive Vice President of Commercial Banking - MB Financial Bank
COMPENSATION
$1M
AGE
54
TENURE
6.9 yrs

Jill York

TITLE
Vice President
COMPENSATION
$1M
AGE
54
TENURE
2.6 yrs

John Francoeur

TITLE
Chief Accounting Officer
AGE
45
TENURE
3.1 yrs

Berry Allen

TITLE
Vice President
TENURE
4.2 yrs

Brian Wildman

TITLE
Executive Vice President of Consumer Banking of MB Financial Bank
COMPENSATION
$1M
AGE
55
TENURE
5.9 yrs

Doria Koros

TITLE
VP & Secretary

Art Knight

TITLE
Executive Officer
AGE
80

Sue Peterson

TITLE
Chief Retail Banking Officer & Executive VP of MB Financial Bank N A
COMPENSATION
$609K
AGE
68
Board of Directors Tenure

Average tenure and age of the MB Financial board of directors in years:

13.9
Average Tenure
60
Average Age
  • The average tenure for the MB Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Hal Harvey

TITLE
Chairman of the Board
COMPENSATION
$135K
AGE
57
TENURE
12.3 yrs

Mitch Feiger

TITLE
President
COMPENSATION
$4M
AGE
59
TENURE
27.2 yrs

Jim Hallene

TITLE
Vice Chairman of the Board
COMPENSATION
$147K
AGE
57
TENURE
19.2 yrs

Rick Holmstrom

TITLE
Director
COMPENSATION
$121K
AGE
60
TENURE
21.2 yrs

Karen May

TITLE
Director
COMPENSATION
$114K
AGE
60
TENURE
15.2 yrs

David Bolger

TITLE
Director
COMPENSATION
$153K
AGE
61
TENURE
15.2 yrs

Charles Gries

TITLE
Director
COMPENSATION
$151K
AGE
72
TENURE
12.6 yrs

Charles Daniels

TITLE
Director
COMPENSATION
$118K
AGE
60
TENURE
4.6 yrs

Bruce Taylor

TITLE
Vice Chairman & Director of Mb Financial Bank
AGE
62
TENURE
4.3 yrs

Renee Togher

TITLE
Director
COMPENSATION
$117K
AGE
55
TENURE
7.6 yrs
Who owns this company?
Recent Insider Trading
  • MB Financial insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
20. Mar 19 Buy Charles Daniels Individual 31. Dec 18 31. Dec 18 814 $39.63 $32,262
07. Mar 19 Sell Brian Wildman Individual 05. Mar 19 05. Mar 19 -3,285 $44.27 $-144,984
01. Mar 19 Sell Jill York Individual 28. Feb 19 28. Feb 19 -5,719 $45.65 $-261,079
08. Nov 18 Sell Brian Wildman Individual 05. Nov 18 05. Nov 18 -4,346 $45.19 $-196,402
11. Sep 18 Sell Jill York Individual 07. Sep 18 07. Sep 18 -5,000 $48.75 $-243,751
07. Jun 18 Sell Jill York Individual 06. Jun 18 06. Jun 18 -5,000 $50.90 $-254,501
X
Management checks
We assess MB Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. MB Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

MBFI News

Simply Wall St News

How MB Financial Inc (NASDAQ:MBFI) Delivered A Better ROE Than Its Industry

and want to start learning about core concepts of fundamental analysis on practical examples from today's market. … MB Financial Inc (NASDAQ:MBFI) performed in-line with its regional banks industry on the basis of its ROE – producing a return of10.18% relative to the peer average of 8.83% over the past 12 months. … View our latest analysis for MB Financial

Simply Wall St -

What You Should Know About MB Financial Inc’s (NASDAQ:MBFI) Risks

As a small-cap bank with a market capitalisation of US$4.03b, MB Financial Inc’s (NASDAQ:MBFI) profit and value are directly affected by economic growth. … Check out our latest analysis for MB Financial … Does MB Financial Understand Its Own Risks?

Simply Wall St -

Is MB Financial Inc's (NASDAQ:MBFI) CEO Incentives Align With Yours?

Mitch Feiger took the reins as CEO of MB Financial Inc's (NASDAQ:MBFI) and grew market cap to US$4.05b recently. … Recognizing whether CEO incentives are aligned with shareholders is a crucial part of investing. … Incentives can be in the form of compensation, which should always be structured in a way that promotes value-creation to shareholders.

Simply Wall St -

Why Are Insiders Cautious About MB Financial Inc's (NASDAQ:MBFI) Shares?

some insider selling over the past three months, with insiders divesting from. … Generally, insiders selling shares in their own firm sends a bearish signal … The MIT Press (1998) published an article showing that stocks following insider selling underperformed the market by 2.7%

Simply Wall St -

MB Financial Inc (NASDAQ:MBFI) Has Attractive Fundamentals, Here's Why

In the case of MB Financial Inc (NASDAQ:MBFI), there's. … is a company with great financial health as well as a. … For those interested in digger a bit deeper into my commentary,

Simply Wall St -

MB Financial Inc (NASDAQ:MBFI): Dividend Is Coming In 5 Days, Should You Buy?

MB Financial Inc (NASDAQ:MBFI) will be distributing its dividend of $0.24 per share on the 29 June 2018, and will start trading ex-dividend in 5 days time on the 14 June 2018. … Investors looking for higher income-generating stocks to add to their portfolio should keep reading, as I take a deeper dive into MB Financial's latest financial data to analyse its dividend attributes. … Here's how I find good dividend stocks?

Simply Wall St -

Is MB Financial Inc (NASDAQ:MBFI) Expensive For A Reason? A Look At The Intrinsic Value

Emphasizing elements like book values, on top of the return and cost of equity, is beneficial for estimating MBFI’s value. … The returns in excess of cost of equity is called excess returns: Excess Return Per Share = (Stable Return On Equity – Cost Of Equity) (Book Value Of Equity Per Share) = (9.45% – 9.98%) * $34.9 = $-0.19 Excess Return Per Share is used to calculate the terminal value of MBFI, which is how much the business is expected to continue to generate over the upcoming years, in perpetuity. … This is a common component of discounted cash flow models: Terminal Value Per Share = Excess Return Per Share / (Cost of Equity – Expected Growth Rate) = $-0.19 / (9.98% – 2.95%) = $-2.67 Putting this all together, we get the value of MBFI’s share: Value Per Share = Book Value of Equity Per Share + Terminal Value Per Share = $34.9 + $-2.67 = $32.23 Relative to today's price of $50.22, MBFI is currently overvalued.

Simply Wall St -

Does MB Financial Inc's (NASDAQ:MBFI) PE Ratio Signal A Buying Opportunity?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for MBFI Price per share = $43.65 Earnings per share = $3.722 ∴ Price-Earnings Ratio = $43.65 ÷ $3.722 = 11.7x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … For example, if you accidentally compared higher growth firms with MBFI, then MBFI’s P/E would naturally be lower since investors would reward its peers’ higher growth with a higher price. … Alternatively, if you inadvertently compared less risky firms with MBFI, MBFI’s P/E would again be lower since investors would reward its peers’ lower risk with a higher price as well.

Simply Wall St -

Is MB Financial Inc (NASDAQ:MBFI) A Great Dividend Stock?

Does MB Financial tick all the boxes of a great dividend stock? … See our latest analysis for MB Financial 5 checks you should use to assess a dividend stock When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas: Is it paying an annual yield above 75% of dividend payers? … In terms of its peers, MB Financial has a yield of 2.20%, which is on the low-side for Banks stocks.Next Steps: Whilst there are few things you may like about MB Financial from a dividend stock perspective, the truth is that overall it probably is not the best choice for a dividend investor.

Simply Wall St -

What You Should Know About MB Financial Inc’s (NASDAQ:MBFI) Liquidity

Unpredictable macro events such as political instability could weaken its financial position which is why it is important to understand how well the bank manages its risk levels. … A low level of leverage subjects a bank to less risk and enhances its ability to pay back its debtors. … Relative to the prudent industry loan to deposit level of 90%, MB Financial’s ratio of over 92.31% is higher, which positions the bank in a risky spot given the potential to cross into negative liquidity disparity between loan and deposit levels.

Simply Wall St -

MBFI Company Info

Description

MB Financial, Inc. operates as a bank holding company for MB Financial Bank, N.A. that provides various financial services to small and middle market businesses, and individuals primarily in Chicago, Illinois metropolitan area. The company operates through three segments: Banking, Leasing, and Mortgage Banking. The Banking segment offers commercial banking products, including working capital loans and lines of credit; accounts receivable financing; inventory and equipment financing; industrial revenue bond financing; ESOP financing; business acquisition loans; owner occupied real estate loans; asset-based loans; and financial, performance, and commercial letters of credit. Its commercial banking products also comprise deposit and treasury management products and services, such as Internet banking products, investment sweep and zero balance accounts, automated tax payments, ATM access, telephone banking, lockboxes, automated clearing house transactions, account reconciliation, controlled disbursement, information reporting, wire transfers, vault services, remote deposit capture, and checking accounts; capital markets and international banking services; and credit, deposit, and treasury management services for real estate operators and investors. In addition, this segment offers loans to equipment lessors; retail banking services; cards and bank sponsorships; and wealth management solutions. The Leasing segment provides lease originations and related services. This segment’s lease portfolio consists of computer systems, satellite equipment, and medical equipment, as well as general manufacturing, industrial, construction, and transportation equipment. The Mortgage Banking segment originates and services residential mortgage loans for sale to investors. The company offers its products and services through 86 banking offices in the Chicago metropolitan area; and 119 ATMs. MB Financial, Inc. was founded in 1911 and is headquartered in Chicago, Illinois.

Details
Name: MB Financial, Inc.
MBFI
Exchange: NasdaqGS
Founded: 1911
$3,552,873,138
83,833,722
Website: http://www.mbfinancial.com
Address: MB Financial, Inc.
800 West Madison Street,
Chicago,
Illinois, 60607,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS MBFI Common Stock Nasdaq Global Select US USD 01. Mar 1999
DB MBF Common Stock Deutsche Boerse AG DE EUR 01. Mar 1999
NasdaqGS MBFI.O 1/40 NON CM PF C Nasdaq Global Select US USD 16. Nov 2017
Number of employees
Current staff
Staff numbers
2,661
MB Financial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/22 23:38
End of day share price update: 2019/03/21 00:00
Last estimates confirmation: 2019/03/22
Last earnings filing: 2019/03/01
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.