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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 6.73
MBVT's Cash to Debt is ranked higher than
85% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. MBVT: 6.73 )
MBVT' s 10-Year Cash to Debt Range
Min: 0.22   Max: 15.83
Current: 6.73

0.22
15.83
Equity to Asset 0.07
MBVT's Equity to Asset is ranked higher than
56% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MBVT: 0.07 )
MBVT' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.07

0.06
0.1
Interest Coverage 3.46
MBVT's Interest Coverage is ranked higher than
83% of the 1886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. MBVT: 3.46 )
MBVT' s 10-Year Interest Coverage Range
Min: 0.43   Max: 3.98
Current: 3.46

0.43
3.98
F-Score: 3
Z-Score: 0.22
WACC vs ROIC
12.79%
36.64%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 26.98
MBVT's Operating margin (%) is ranked higher than
71% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. MBVT: 26.98 )
MBVT' s 10-Year Operating margin (%) Range
Min: -18.49   Max: 37.91
Current: 26.98

-18.49
37.91
Net-margin (%) 20.90
MBVT's Net-margin (%) is ranked higher than
74% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. MBVT: 20.90 )
MBVT' s 10-Year Net-margin (%) Range
Min: -9.25   Max: 27.63
Current: 20.9

-9.25
27.63
ROE (%) 9.80
MBVT's ROE (%) is ranked higher than
81% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. MBVT: 9.80 )
MBVT' s 10-Year ROE (%) Range
Min: 9.88   Max: 18.09
Current: 9.8

9.88
18.09
ROA (%) 0.72
MBVT's ROA (%) is ranked higher than
71% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. MBVT: 0.72 )
MBVT' s 10-Year ROA (%) Range
Min: 0.7   Max: 1.61
Current: 0.72

0.7
1.61
ROC (Joel Greenblatt) (%) 100.63
MBVT's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. MBVT: 100.63 )
MBVT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 32.84   Max: 150.05
Current: 100.63

32.84
150.05
Revenue Growth (3Y)(%) -1.60
MBVT's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. MBVT: -1.60 )
MBVT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 10.6
Current: -1.6

0
10.6
EBITDA Growth (3Y)(%) -3.30
MBVT's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. MBVT: -3.30 )
MBVT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 13.5
Current: -3.3

0
13.5
EPS Growth (3Y)(%) -6.70
MBVT's EPS Growth (3Y)(%) is ranked higher than
60% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. MBVT: -6.70 )
MBVT' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.7   Max: 17.9
Current: -6.7

-6.7
17.9
» MBVT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

MBVT Guru Trades in Q1 2014

Scott Black Sold Out
Jim Simons 25,600 sh (-1.92%)
» More
Q2 2014

MBVT Guru Trades in Q2 2014

Jim Simons 27,719 sh (+8.28%)
» More
Q3 2014

MBVT Guru Trades in Q3 2014

Jim Simons 31,856 sh (+14.92%)
» More
Q4 2014

MBVT Guru Trades in Q4 2014

Jim Simons 40,600 sh (+27.45%)
» More
» Details

Insider Trades

Latest Guru Trades with MBVT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.20
MBVT's P/E(ttm) is ranked higher than
78% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. MBVT: 15.20 )
MBVT' s 10-Year P/E(ttm) Range
Min: 8.3   Max: 17.67
Current: 15.2

8.3
17.67
Forward P/E 10.80
MBVT's Forward P/E is ranked higher than
86% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.73 vs. MBVT: 10.80 )
N/A
PE(NRI) 15.10
MBVT's PE(NRI) is ranked higher than
80% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. MBVT: 15.10 )
MBVT' s 10-Year PE(NRI) Range
Min: 8.3   Max: 17.63
Current: 15.1

8.3
17.63
P/B 1.50
MBVT's P/B is ranked higher than
65% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. MBVT: 1.50 )
MBVT' s 10-Year P/B Range
Min: 1.18   Max: 3.21
Current: 1.5

1.18
3.21
P/S 3.20
MBVT's P/S is ranked higher than
70% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. MBVT: 3.20 )
MBVT' s 10-Year P/S Range
Min: 1.92   Max: 4.64
Current: 3.2

1.92
4.64
PFCF 13.60
MBVT's PFCF is ranked higher than
81% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 13.60 )
MBVT' s 10-Year PFCF Range
Min: 4.64   Max: 103.07
Current: 13.6

4.64
103.07
POCF 11.50
MBVT's POCF is ranked higher than
81% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. MBVT: 11.50 )
MBVT' s 10-Year POCF Range
Min: 4.33   Max: 32.07
Current: 11.5

4.33
32.07
EV-to-EBIT 3.27
MBVT's EV-to-EBIT is ranked higher than
98% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. MBVT: 3.27 )
MBVT' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 28.6
Current: 3.27

2.5
28.6
Shiller P/E 12.30
MBVT's Shiller P/E is ranked higher than
94% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 12.30 )
MBVT' s 10-Year Shiller P/E Range
Min: 8.29   Max: 17.09
Current: 12.3

8.29
17.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.80
MBVT's Dividend Yield is ranked higher than
77% of the 1924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. MBVT: 3.80 )
MBVT' s 10-Year Dividend Yield Range
Min: 3.22   Max: 6.59
Current: 3.8

3.22
6.59
Dividend Payout 0.59
MBVT's Dividend Payout is ranked higher than
65% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MBVT: 0.59 )
MBVT' s 10-Year Dividend Payout Range
Min: 0.25   Max: 0.65
Current: 0.59

0.25
0.65
Yield on cost (5-Year) 3.90
MBVT's Yield on cost (5-Year) is ranked higher than
70% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. MBVT: 3.90 )
MBVT' s 10-Year Yield on cost (5-Year) Range
Min: 3.22   Max: 6.59
Current: 3.9

3.22
6.59
Share Buyback Rate -0.60
MBVT's Share Buyback Rate is ranked higher than
78% of the 1468 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.10 vs. MBVT: -0.60 )
MBVT' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -1.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
MBVT's Price/Tangible Book is ranked higher than
72% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. MBVT: 1.50 )
MBVT' s 10-Year Price/Tangible Book Range
Min: 0.99   Max: 2.78
Current: 1.5

0.99
2.78
Price/DCF (Projected) 0.80
MBVT's Price/DCF (Projected) is ranked higher than
84% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MBVT: 0.80 )
MBVT' s 10-Year Price/DCF (Projected) Range
Min: 0.51   Max: 1.09
Current: 0.8

0.51
1.09
Price/Median PS Value 1.00
MBVT's Price/Median PS Value is ranked higher than
84% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. MBVT: 1.00 )
MBVT' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 1.48
Current: 1

0.65
1.48
Price/Graham Number 1.00
MBVT's Price/Graham Number is ranked higher than
77% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MBVT: 1.00 )
MBVT' s 10-Year Price/Graham Number Range
Min: 0.72   Max: 1.4
Current: 1

0.72
1.4
Earnings Yield (Greenblatt) 30.20
MBVT's Earnings Yield (Greenblatt) is ranked higher than
97% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MBVT: 30.20 )
MBVT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 40.8
Current: 30.2

3.5
40.8
Forward Rate of Return (Yacktman) 5.34
MBVT's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MBVT: 5.34 )
MBVT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.7   Max: 23.7
Current: 5.34

-1.7
23.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Merchants Bancshares Inc is a bank holding company originally organized under Vermont law in 1983 for the purposes of owning all of the outstanding capital stock of The Merchants Bank (Merchants Bank) and providing greater flexibility in helping Merchants Bank achieve its business objectives. Merchants Bank, which is Merchants' main subsidiary, is a Vermont commercial bank with 34 full-service banking offices. The Company's retail deposit products include interest bearing and non-interest bearing checking accounts, money market accounts, club accounts, health savings accounts, and short-term and long-term certificates of deposit including a popular flexible CD instrument. The Company also offers customary check collection services, wire transfers, safe deposit box rentals, and automated teller machine and debit cards. Credit programs include secured and unsecured installment lending, home equity lines of credit, home mortgages, and credit cards. The Company offers a package of business banking services including a low cost business checking account, a money market account, and an overdraft protection line of credit. The Company offers a variety of commercial checking accounts. Commercial checking uses an earnings credit rate to help offset service charges. The Company offers Rewards Checking for Business, a low cost checking account that is appropriate for all but high volume commercial deposit customers. Merchants' cash management services include investment sweep, line of credit sweep, multiple sweep, and funds concentration. The Company offers an overnight cash management sweep program. It also offers remote deposit capture. This service enables commercial customers to deposit checks electronically into Merchants' checking accounts from their business location. It offers commercial online banking, a commercial banking and bill payment service delivered via the Internet. This service allows businesses to view their account histories, print statements, view check images, order stop payments, transfer between accounts, transmit ACH batches, and order wire transfers. Other miscellaneous commercial banking services include lock box services, night depository, coin and currency handling, and balance reporting services.
» More Articles for MBVT

Headlines

Articles On GuruFocus.com
Merchants Bancshares, Inc. Announces Appointment of Chief Financial Officer Oct 15 2014 
High Yield Stocks With Ex-Dividend Date August 2011 Jul 25 2011 
Merchants Bancshares Inc. Reports Operating Results (10-K) Mar 15 2011 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Nov 05 2010 
Merchants Bancshares Inc. (MBVT) CFO,Treasurer Janet P Spitler sells 1,000 Shares Aug 10 2010 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Merchants Bancshares Inc. Reports Operating Results (10-Q) Aug 08 2009 
Merchants Bancshares Inc. (MBVT) SVP, CFO and Treasurer Janet P Spitler sells 5,600 Shares Aug 07 2009 
Merchants Bancshares Inc. Reports Operating Results (10-Q) May 08 2009 
Merchants Bancshares, Inc. Announces Strong 2008 Results, Loans Increase 16%, EPS Increases 11% Jan 29 2009 

More From Other Websites
MERCHANTS BANCSHARES INC Financials Mar 20 2015
MERCHANTS BANCSHARES INC Files SEC form 10-K, Annual Report Mar 13 2015
Merchants Bancshares, Inc. Announces 2015 Annual Meeting Information Mar 04 2015
Merchants Bancshares, Inc. Announces 2015 Annual Meeting Information Mar 04 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Other Events Mar 03 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Other Events Feb 03 2015
Merchant Bancshares posts 4Q profit Jan 29 2015
Merchant Bancshares posts 4Q profit Jan 29 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 29 2015
Merchants Bancshares, Inc. Announces Dividend, Fourth Quarter and Year End 2014 Results Jan 29 2015
Merchants Bancshares, Inc. Announces Dividend, Fourth Quarter and Year End 2014 Results Jan 29 2015
Q4 2014 Merchants Bancshares Inc Earnings Release - Tentative - After Market Close Jan 29 2015
Merchants Bancshares, Inc. Announces Fourth Quarter and Full Year 2014 Earnings Release Date and... Jan 07 2015
Merchants Bancshares, Inc. Announces Fourth Quarter and Full Year 2014 Earnings Release Date and... Jan 07 2015
MERCHANTS BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers Dec 22 2014
Merchants Bank Announces New Executive Officers Dec 19 2014
MERCHANTS BANCSHARES INC Files SEC form 8-K, Other Events Nov 24 2014
Merchants Bancshares, Inc. Announces Appointment of Chief Executive Officer of Merchants Bank Nov 21 2014
Merchants Bancshares, Inc. Announces Appointment of Chief Executive Officer of Merchants Bank Nov 21 2014
MERCHANTS BANCSHARES INC Files SEC form 10-Q, Quarterly Report Oct 30 2014

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