Middlefield Banc Q3 net income rises, helped by NIM expansion

Middlefield Banc

22/10/2025 12:51

Overview

Middlefield Q3 diluted EPS rose to $0.65, with net income at $5.3 mln

Net interest income for Q3 increased 16.5% to $17.6 mln

Outlook

Middlefield expects profitable growth for the remainder of 2025

Result Drivers

MARGIN EXPANSION - Net interest margin expanded by 33 basis points to 3.79%, supporting earnings growth

LOAN GROWTH - Total loans at September 30, 2025 increased by $102.5 mln, driven by higher commercial and industrial loans

ASSET GROWTH - Total assets at September 30, 2025 increased by $121.3 mln, reflecting steady growth and strong asset quality

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 EPS
$0.65
Q3 Net Income
$5.32 mln
Q3 Net Interest Income
$17.56 mln
Q3 Net Interest Margin
3.79%
Q3 Pretax Profit
$6.39 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for Middlefield Banc Corp is $33.00, about 13.3% above its October 21 closing price of $28.61

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 13 three months ago

Press Release: ID:nGNX7rf0NH

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)