Middlebury National Valuation

Is MDVT undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MDVT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MDVT ($30.25) is trading above our estimate of fair value ($22.38)

Significantly Below Fair Value: MDVT is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MDVT?

Key metric: As MDVT is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for MDVT. This is calculated by dividing MDVT's market cap by their current book value.
What is MDVT's PB Ratio?
PB Ratio	n/a
Book	US$25.60m
Market Cap	US$26.04m

MDVT key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Book Ratio vs Peers

How does MDVT's PB Ratio compare to its peers?

The above table shows the PB ratio for MDVT vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PB	Estimated Growth	Market Cap
Peer Average	0.8x
PEBC Peoples Bancorp	0.8x	n/a	US$24.3m
ELMA Elmer Bancorp	0.8x	n/a	US$24.6m
CSKL Catskill Hudson Bancorp	1x	n/a	US$25.1m
PNBI Pioneer Bankshares	0.7x	n/a	US$24.9m
MDVT Middlebury National	n/a	n/a	US$26.0m

Price-To-Book vs Peers: Insufficient data to calculate MDVT's Price-To-Book Ratio vs. peers for valuation analysis.

Price to Book Ratio vs Industry

How does MDVT's PB Ratio compare vs other companies in the US Banks Industry?

4 Companies	Price / Book	Estimated Growth	Market Cap

4 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Book vs Industry: Insufficient data to calculate MDVT's Price-To-Book Ratio vs. industry for valuation analysis.

Price to Book Ratio vs Fair Ratio

What is MDVT's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MDVT PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio	n/a
Fair PB Ratio	n/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate MDVT's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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