OTCPK:MDVT

Stock Analysis Report

Executive Summary

Middlebury National Corporation operates as the holding company for National Bank of Middlebury that provides various financial services to individuals and business customers.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Risks

  • Middlebury National's last earnings update was 220 days ago.
  • Middlebury National is not covered by any analysts.

Share Price & News

How has Middlebury National's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

OTCPK:MDVT

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:MDVT

-13.8%

US Banks

-0.04%

US Market

No trading data on MDVT.

No trading data on MDVT.


Share holder returns

MDVTIndustryMarket
7 Day0.5%3.3%2.1%
30 Day-0.7%-7.0%-3.2%
90 Dayn/a-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Year33.6%23.3%42.5%32.7%41.5%32.3%
5 Year36.8%19.4%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Middlebury National's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

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

10.05x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Middlebury National to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Middlebury National to establish if it is available at substantial discount.


Price Based on Earnings

Middlebury National is good value based on earnings compared to the US Banks industry average.

Middlebury National is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Middlebury National, we can't assess if its growth is good value.


Price Based on Value of Assets

Middlebury National is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Middlebury National expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Middlebury National is high growth as no revenue estimate data is available.

Middlebury National's earnings are expected to grow by 6.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Middlebury National's revenue growth to the United States of America market average as no estimate data is available.

Middlebury National's earnings growth is positive but not above the United States of America market average.

Middlebury National's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Middlebury National will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Middlebury National performed over the past 5 years?

14.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Middlebury National's year on year earnings growth rate has been positive over the past 5 years.

Middlebury National's 1-year earnings growth exceeds its 5-year average (41.6% vs 14%)

Middlebury National's earnings growth has exceeded the US Banks industry average in the past year (41.6% vs 33.1%).


Return on Equity

Middlebury National has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Middlebury National used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Middlebury National improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Middlebury National has an acceptable proportion of non-loan assets held.

Unable to establish if Middlebury National has a sufficient allowance for bad loans without relevant financial data.

Middlebury National's liabilities are made up of primarily low risk sources of funding.

Middlebury National's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Middlebury National are broadly funded by customer deposits.

Unable to establish if Middlebury National has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Middlebury National's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Middlebury National's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Middlebury National's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Middlebury National has not reported any payouts.

Unable to verify if Middlebury National's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Middlebury National has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

16.6yrs

Average board tenure


CEO

Middlebury National has no CEO, or we have no data on them.


Board Age and Tenure

16.6yrs

Average Tenure

68yo

Average Age

The average tenure for the Middlebury National board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Caroline Carpenter (53yo)

    Executive VP & Director

    • Tenure: 14.6yrs
  • Lawrence Miller (52yo)

    Secretary & Director

    • Tenure: 15.6yrs
  • Linda Harmon (69yo)

    President & Director

    • Tenure: 24.6yrs
  • Sarah A. Cowan

    Senior VP & Chief Credit Officer of National Bank of Middlebury

    • Tenure: 0.0yrs
  • Grover Usilton

    Senior Vice President of National Bank of Middlebury

    • Tenure: 0.0yrs
  • Stacey Brown

    Treasurer

    • Tenure: 0.0yrs

Board Members

  • Caroline Carpenter (53yo)

    Executive VP & Director

    • Tenure: 14.6yrs
  • Ken Perine (67yo)

    Director

    • Tenure: 29.6yrs
  • Lawrence Miller (52yo)

    Secretary & Director

    • Tenure: 15.6yrs
  • Linda Harmon (69yo)

    President & Director

    • Tenure: 24.6yrs
  • Roch MacIntyre (75yo)

    Director

    • Tenure: 39.6yrs
  • Sarah Stahl (69yo)

    Director

    • Tenure: 31.6yrs
  • Michael McLaughlin (47yo)

    Director

    • Tenure: 10.6yrs
  • Michael Schoenfeld (68yo)

    Director

    • Tenure: 9.6yrs
  • Paul Carrara (83yo)

    Director

    • Tenure: 17.6yrs
  • Bob James

    Director

    • Tenure: 1.6yrs

Company Information

Middlebury National Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Middlebury National Corporation
  • Ticker: MDVT
  • Exchange: OTCPK
  • Founded: 1831
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$32.745m
  • Shares outstanding: 885.00k
  • Website: https://nbmvt.com

Location

  • Middlebury National Corporation
  • 30 Main Street
  • PO Box 189
  • Middlebury
  • Vermont
  • 5753
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MDVTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2003

Biography

Middlebury National Corporation operates as the holding company for National Bank of Middlebury that provides various financial services to individuals and business customers. The company offers various sa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:57
End of Day Share Price2019/08/23 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.