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Mackinac Financial Corp
(NASDAQ: MFNC)
AdChoices
10.93
+0.09
+0.83%
After Hours :
-
-
-

Open

10.86

Previous Close

10.84

Volume (Avg)

761 (3.69k)

Day's Range

10.86-10.93

52Wk Range

8.74-15.06

Market Cap.

60.42M

Dividend Rate (Yield )

0.20 (1.83%)

Beta

-0.15

Shares Outstanding

5.53M

P/E Ratio (EPS)

11.85 (0.92)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 25.34M

    • Net Income

    • 5.94M

    • Market Cap.

    • 60.42M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 20.48

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • -0.15

    • Forward P/E

    • -

    • Price/Sales

    • 2.43

    • Price/Book Value

    • 0.91

    • Price/Cash flow

    • 7.66

      • EBITDA

      • 7.19M

      • Return on Capital %

      • 0.91

      • Return on Equity %

      • 8.10

      • Return on Assets %

      • 0.91

      • Book Value/Share

      • 12.03

      • Shares Outstanding

      • 5.53M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.05 (9/22/2014)

      • Dividend Declaration Date

      • 8/26/2014

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • -3.20

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • -16.20

          • 7.93

          • Net Income

            Q/Q (last year)

          • -36.00

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • 7.66

          • -11.83

          • Net Income

            5-Year Annual Average

          • 26.00

          • 6.49

          • Dividends

            5-Year Annual Average

          • -

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 18.13

            • 36.31

            • Net Profit Margin

            • 20.48

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • 11.90

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • 11.80

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 0.63

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 8.96

              • 8.88

              • Book Value/Share

              • 12.03

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 11.85

                • 15.17

                • P/E Ratio 5-Year High

                • 16.33

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 4.28

                • 247.77

                • Price/Sales Ratio

                • 2.43

                • 3.19

                • Price/Book Value

                • 0.91

                • 1.24

                • Price/Cash Flow Ratio

                • 7.66

                • 7.93

                • Key Metrics

                • Company

                • Industry

                  • Return on Equity %

                    (5-Year Average)

                  • 8.10

                    (5.20)

                  • 11.32

                    (9.64)

                  • Return on Assets %

                    (5-Year Average)

                  • 0.91

                    (0.50)

                  • 1.26

                    (0.99)

                  • Return on Capital %

                    (5-Year Average)

                  • 8.36

                    (-1.70)

                  • 5.43

                    (3.93)

                  • Income/Employee

                  • 40.08k

                  • 57.85k

                  • Inventory Turnover

                  • -

                  • -

                  • Asset Turnover

                  • 0.04

                  • 0.05

                  Current Historical
                  Financials
                  • Income Statement
                  • Balance Sheet
                  • Cash Flow
                  Operating Income
                  5.53M
                  Operating Margin
                  21.84
                  Total Equity
                  -
                  Retained Earnings
                  -
                  Free Cashflow
                  -
                  Price/Cashflow
                  7.66
                  Ownership

                  Institutional Ownership

                  61.58%

                  Top 10 Institutions

                  58.26%

                  Mutual Fund Ownership

                  3.12%

                  Float

                  55.22%

                  5% / Insider Ownership

                  4.96%

                  Corporate insiders or major stockholders reporting trading activity in the stock.

                  Top Mutual Fund Owners

                  Top Institutional Owners

                  Mutual Fund Name

                  Institution Name

                  • Mutual Fund Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • First Opportunity Fund

                  •  

                    125,890

                  • 0.00

                  • 2.31

                  • Emerald Banking and Finance Fund

                  •  

                    36,429

                  • 0.00

                  • 0.66

                  • Fidelity Northstar Currency Neutral Cl

                  •  

                    5,000

                  • 0.00

                  • 0.09

                  • Vanguard Extended Market Index Fund

                  •  

                    2,200

                  • 0.00

                  • 0.04

                  • AXA/Lord Abbett Micro Cap Portfolio

                  •  

                    747

                  • 0.00

                  • 0.01

                  • Institution Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Banc Funds Co LLC

                  •  

                    502,509

                  • -8.22%

                  • 9.09

                  • Financial Stocks Inc

                  •  

                    340,000

                  • 0.00%

                  • 6.15

                  • Wellington Management Company, LLP

                  •  

                    328,796

                  • 0.00%

                  • 5.74

                  • Elizabeth Park Capital Advisors, Ltd

                  •  

                    299,333

                  • +24.05%

                  • 5.41

                  • PRB Advisors, LLC

                  •  

                    263,412

                  • -18.95%

                  • 4.77

                  • Clarkston Capital Partners, LLC

                  •  

                    166,354

                  • +3.90%

                  • 3.01

                  • Boulder Investment Advisers LLC

                  •  

                    125,890

                  • 0.00%

                  • 2.20

                  • Stewart Investment Advisers (Boulder)

                  •  

                    125,890

                  • 0.00%

                  • 2.31

                  • Pnc Bank, National Association

                  •  

                    67,800

                  • 0.00%

                  • 1.23

                  Company Profile

                  Sector

                  Financial Services

                  Industry

                  Banks – Regional – US

                  Type

                  Cyclical

                  Style

                  Small Value

                  Mackinac Financial Corp was incorporated under the laws of the state of Michigan on December 16, 1974. The Company, through its subsidiary, mBank “Bank”, is the general commercial banking business, providing a full range of loans and...more deposits products. These banking services include customary retail and commercial banking services, including checking and savings accounts, time deposits, interest bearing transaction accounts, safe deposit facilities, real estate mortgage lending, commercial lending, commercial and governmental lease financing, and direct and indirect consumer financing. Funds for the Bank’s operation are also provided by brokered deposits and through borrowings from the Federal Home Loan Bank system. The Bank makes mortgage, commercial, and installment loans to customers throughout M...moreichigan. The Bank also supports the service industry, with its hospitality and related businesses, as well as gaming, forestry, restaurants, farming, fishing, and many other activities important to growth in Michigan. The Bank also offers various consumer loan products including installment, mortgages and home equity loans. In addition to making consumer portfolio loans, the Bank engages in the business of making residential mortgage loans for sale to the secondary market. The Bank also provides title insurance services throughout the State of Michigan through its wholly owned subsidiary, mBank Title Insurance Agency, LLC. The Bank’s source for lending, investments, and other general business purposes is deposits. The Bank offers a range of interest bearing and non-interest bearing accounts, including commercial and retail checking accounts, negotiable order of withdrawal accounts, money market accounts with limited transactions, individual retirement accounts, regular interest-bearing statement savings accounts, certificates of deposit with a range of maturity date options, and accessibility to a customer’s deposit relationship through online banking. The Bank is a member of the FHLB. The FHLB provides an additional source of liquidity and long-term funds. The Company competes for loans and deposits with other banks, savings and loan associations, credit unions, mortgage bankers, and investment firms in the scope and type of services offered, pricing of loans, interest rates paid on deposits, and number and location of branches, among other things. As a registered bank holding company, the Company is subject to regulation and examination by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act, as amended. The Bank is subject to regulation and examination by the Michigan Department of Financial and Insurance Services and the Federal Deposit Insurance Corporation.lessless

                  Key People

                  Kelly W. George

                  CEO, Subsidiary/Director/President/President, Subsidiary

                  Paul D. Tobias

                  CEO/Chairman of the Board/Chairman of the Board, Subsidiary/Director

                  Ernie R. Krueger

                  CFO/CFO, Subsidiary/Chief Accounting Officer/Executive VP/Executive VP, Subsidiary

                  Dennis B. Bittner

                  Director

                  Joseph D. Garea

                  Director

                  • Mackinac Financial Corp

                  • 130 South Cedar Street

                  • Manistique, MI 49854

                  • USA.Map

                  • Phone: +1 888 343-8147

                  • Fax: +1 906 341-2727

                  • bankmbank.com

                  Incorporated

                  1974

                  Employees

                  133

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