Middlefield Banc (MBCN) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

Group 1 - Middlefield Banc Corp. reported $18.04 million in revenue for Q1 2025, a year-over-year increase of 7.6% [1] - The EPS for the same period was $0.60, compared to $0.51 a year ago, representing a surprise of +25.00% over the consensus estimate of $0.48 [1][2] - The reported revenue exceeded the Zacks Consensus Estimate of $17.25 million by +4.59% [1] Group 2 - The efficiency ratio for Middlefield Banc was 65.2%, better than the average estimate of 69.5% from two analysts [4] - The net interest margin was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Average interest-earning assets were $1.80 billion, exceeding the estimated $1.77 billion [4] - Total noninterest income was $1.94 million, compared to the estimated $1.90 million [4] - Net interest income was reported at $16.10 million, surpassing the average estimate of $15.85 million [4] Group 3 - Shares of Middlefield Banc have returned -7% over the past month, while the Zacks S&P 500 composite changed by -5.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]