Mackinac Financial (MFNC) Fundamental Analysis & Valuation

NASDAQ:MFNC

Current stock price

21.5
+0.12 (+0.56%)
Last:

This MFNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. MFNC Profitability Analysis

1.1 Basic Checks

  • MFNC had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.91%
ROE 8.02%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

  • MFNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.31%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. MFNC Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for MFNC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

  • MFNC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. MFNC Growth Analysis

3.1 Past

  • MFNC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.09%.
  • Measured over the past 5 years, MFNC shows a small growth in Earnings Per Share. The EPS has been growing by 7.37% on average per year.
  • The Revenue has been growing slightly by 3.44% in the past year.
  • MFNC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.52% yearly.
EPS 1Y (TTM)7.09%
EPS 3Y3.71%
EPS 5Y7.37%
EPS Q2Q%-3.03%
Revenue 1Y (TTM)3.44%
Revenue growth 3Y15.69%
Revenue growth 5Y14.52%
Sales Q2Q%-6.75%

3.2 Future

  • MFNC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -19.98% yearly.
  • MFNC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.05% yearly.
EPS Next Y-30.67%
EPS Next 2Y-25.53%
EPS Next 3Y-25.71%
EPS Next 5Y-19.98%
Revenue Next Year-7.02%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.18%
Revenue Next 5Y-5.05%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MFNC Yearly Revenue VS EstimatesMFNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
MFNC Yearly EPS VS EstimatesMFNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

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1

4. MFNC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.81, the valuation of MFNC can be described as correct.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, MFNC is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 30.29, the valuation of MFNC can be described as expensive.
  • MFNC's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.29.
Industry RankSector Rank
PE 15.81
Fwd PE 30.29
MFNC Price Earnings VS Forward Price EarningsMFNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MFNC Per share dataMFNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as MFNC's earnings are expected to decrease with -25.71% in the coming years.
PEG (NY)N/A
PEG (5Y)2.15
EPS Next 2Y-25.53%
EPS Next 3Y-25.71%

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4

5. MFNC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.60%, MFNC has a reasonable but not impressive dividend return.
  • Compared to an average S&P500 Dividend Yield of 1.81, MFNC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.6%

5.2 History

  • The dividend of MFNC is nicely growing with an annual growth rate of 8.15%!
  • MFNC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)8.15%
Div Incr YearsN/A
Div Non Decr YearsN/A
MFNC Yearly Dividends per shareMFNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • MFNC pays out 42.77% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.77%
EPS Next 2Y-25.53%
EPS Next 3Y-25.71%
MFNC Dividend Payout.MFNC Dividend Payout, showing the Payout Ratio.MFNC Dividend Payout.PayoutRetained Earnings

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MFNC Fundamentals: All Metrics, Ratios and Statistics

Mackinac Financial

NASDAQ:MFNC (9/3/2021, 9:01:12 PM)

21.5

+0.12 (+0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners0.02%
Inst Owner Change0%
Ins Owners0.85%
Ins Owner Change0%
Market Cap226.82M
Revenue(TTM)64.71M
Net Income(TTM)13.79M
Analysts0
Price Target16.32 (-24.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Yearly Dividend0.56
Dividend Growth(5Y)8.15%
DP42.77%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 15.81
Fwd PE 30.29
P/S 3.51
P/FCF N/A
P/OCF N/A
P/B 1.32
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.36
EY6.33%
EPS(NY)0.71
Fwd EY3.3%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.13
BVpS16.3
TBVpSN/A
PEG (NY)N/A
PEG (5Y)2.15
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 8.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.31%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.09%
EPS 3Y3.71%
EPS 5Y7.37%
EPS Q2Q%-3.03%
EPS Next Y-30.67%
EPS Next 2Y-25.53%
EPS Next 3Y-25.71%
EPS Next 5Y-19.98%
Revenue 1Y (TTM)3.44%
Revenue growth 3Y15.69%
Revenue growth 5Y14.52%
Sales Q2Q%-6.75%
Revenue Next Year-7.02%
Revenue Next 2Y-4.71%
Revenue Next 3Y-5.18%
Revenue Next 5Y-5.05%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

Mackinac Financial / MFNC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for Mackinac Financial?

ChartMill assigns a fundamental rating of 2 / 10 to MFNC.


What is the valuation status for MFNC stock?

ChartMill assigns a valuation rating of 1 / 10 to Mackinac Financial (MFNC). This can be considered as Overvalued.


What is the profitability of MFNC stock?

Mackinac Financial (MFNC) has a profitability rating of 2 / 10.


What are the PE and PB ratios of Mackinac Financial (MFNC) stock?

The Price/Earnings (PE) ratio for Mackinac Financial (MFNC) is 15.81 and the Price/Book (PB) ratio is 1.32.


Can you provide the financial health for MFNC stock?

The financial health rating of Mackinac Financial (MFNC) is 3 / 10.