Middlefield Banc (MBCN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Middlefield Banc Corp. (MBCN) reported a revenue of $20.52 million for the quarter ended June 2025, reflecting a year-over-year increase of 21.8% [1] - The earnings per share (EPS) for the same quarter was $0.76, up from $0.52 in the previous year [1] - The reported revenue exceeded the Zacks Consensus Estimate by 10.3%, while the EPS surprise was 33.33% above the consensus estimate [1] Financial Performance Metrics - The efficiency ratio was reported at 64.5%, better than the average estimate of 67.5% from two analysts [4] - The net interest margin stood at 3.9%, surpassing the average estimate of 3.7% [4] - Average interest-earning assets were $1.83 billion, slightly above the estimated $1.8 billion [4] - Total noninterest income was $3.08 million, significantly higher than the estimated $1.85 million [4] - Net interest income reached $17.44 million, exceeding the average estimate of $16.75 million [4] Stock Performance - Over the past month, shares of Middlefield Banc have returned +0.9%, compared to a +5.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]