Market Price

45.35 

0.75 1.7%

as of Jan 22 '19

52 Week Range:

37.13 51.59


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

MB Financial, Inc. operates as a bank holding company for MB Financial Bank, N.A. that provides various financial services to small and middle market businesses, and individuals in the United States. The company operates through three segments: Banking, Leasing, and Mortgage Banking. The Banking segment offers commercial banking products, including working capital loans and lines of credit; accounts receivable financing; inventory and equipment financing; industrial revenue bond financing; ESOP financing; business acquisition loans; owner occupied real estate loans; asset-based loans; and financial, performance, and commercial letters of credit. Its commercial banking products also comprise deposit and treasury management products and services, such as Internet banking products, investment sweep and zero balance accounts, automated tax payments, ATM access, telephone banking, lockboxes, automated clearing house transactions, account reconciliation, controlled disbursement, information reporting, wire transfers, vault services, remote deposit capture, and checking accounts; capital markets and international banking services; and credit, deposit, and treasury management services for real estate operators and investors. In addition, this segment offers loans to equipment lessors; retail banking services; cards and bank sponsorships; and wealth management solutions. The Leasing segment provides lease originations and related services. This segment's lease portfolio consists of computer systems, satellite equipment, and medical equipment, as well as general manufacturing, industrial, construction, and transportation equipment. The Mortgage Banking segment originates and services residential mortgage loans for sale to investors. The company offers its products and services through 86 banking offices in the Chicago metropolitan area; and 129 ATMs. MB Financial, Inc. was founded in 1911 and is headquartered in Chicago, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 24.91
25.04
20.70
21.09
21.43
23.26
23.80
25.07
26.42
29.22
30.71
growth rate 0.5% -17.3% 1.9% 1.6% 8.5% 2.3% 5.3% 5.4% 10.6% 5.1%
Earnings BIT 117.90
-7.15
-77.84
20.55
44.00
126.85
137.95
130.59
241.13
267.09
318.20
growth rate -100.0% 0.0% 100.0% 114.1% 188.3% 8.8% -5.3% 84.6% 10.8% 19.1%
Avg.PE 18.15
63.69
-14.60
90.91
32.79
12.36
17.92
23.49
15.44
21.51
11.75
growth rate 250.9% -100.0% 100.0% -63.9% -62.3% 45.0% 31.1% -34.3% 39.3% -45.4%
ROA 1.19
0.18
-0.37
0.10
0.28
0.90
1.02
0.68
1.00
0.95
1.50
growth rate -84.9% -100.0% 100.0% 180.0% 221.4% 13.3% -33.3% 47.1% -5.0% 57.9%
ROE 10.98
1.77
-3.78
0.92
2.42
7.05
7.57
5.07
7.78
7.49
11.47
growth rate -83.9% -100.0% 100.0% 163.0% 191.3% 7.4% -33.0% 53.5% -3.7% 53.1%
ROIC 13.73
6.70
2.93
5.36
4.35
6.52
6.15
3.85
growth rate -51.2% -56.3% 82.9% -18.8% 49.9% -5.7% -37.4%
Leverage 9.09
10.10
10.30
8.99
8.22
7.51
7.28
7.64
7.91
7.84
7.44
growth rate 11.1% 2.0% -12.7% -8.6% -8.6% -3.1% 5.0% 3.5% -0.9% -5.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 147.68
264.62
225.87
10,990.94
11,505.22
14,110.45
14,958.38
growth rate 79.2% -14.6% 4,766.0% 4.7% 22.6% 6.0%
Cur.Assets 1,134.30
1,211.37
1,256.55
1,174.41
growth rate 6.8% 3.7% -6.5%
Total Assets 8,819.80
10,865.40
10,320.40
9,833.07
9,571.81
9,641.43
14,602.10
15,585.01
19,302.32
20,086.94
growth rate 23.2% -5.0% -4.7% -2.7% 0.7% 51.5% 6.7% 23.9% 4.1%
Cash 341.70
402.00
844.20
2,753.98
2,704.52
2,869.27
184.88
233.44
258.67
369.22
growth rate 17.7% 110.0% 226.2% -1.8% 6.1% -93.6% 26.3% 10.8% 42.7%
Inventory 38.62
42.35
31.61
15.11
growth rate 9.7% -25.4% -52.2%
Cur.Liabilities 12,305.12
12,951.32
16,200.65
16,360.47
growth rate 5.3% 25.1% 1.0%
Liabilities 7,753.60
9,616.80
8,978.10
8,442.50
8,297.52
8,316.19
12,573.81
13,497.72
16,723.11
17,077.12
growth rate 24.0% -6.6% -6.0% -1.7% 0.2% 51.2% 7.4% 23.9% 2.1%
LT Debt 262.78
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
268.69
546.40
522.46
716.65
growth rate 664.1% 0.1% 0.1% 0.1% 0.1% 0.1% -86.7% 103.4% -4.4% 37.2%
Equity 862.37
1,066.20
1,248.60
1,342.30
1,390.58
1,274.29
1,325.24
1,911.57
1,970.71
2,463.38
2,699.82
growth rate 23.6% 17.1% 7.5% 3.6% -8.4% 4.0% 44.2% 3.1% 25.0% 9.6%
Common Shares 36.00
35.00
40.00
53.00
54.00
55.00
55.00
63.00
75.00
78.00
85.00
growth rate -2.8% 14.3% 32.5% 1.9% 1.9% 0.0% 14.6% 19.1% 4.0% 9.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 64.64
73.20
65.10
65.00
77.79
76.68
65.45
94.67
111.12
191.92
188.76
growth rate 13.2% -11.1% -0.2% 19.7% -1.4% -14.6% 44.6% 17.4% 72.7% -1.7%
Cash Dividends 25.96
25.10
14.70
11.90
11.96
10.34
24.07
36.21
56.41
66.19
77.35
growth rate -3.3% -41.4% -19.1% 0.5% -13.6% 132.8% 50.4% 55.8% 17.3% 16.9%
Cash From OA 147.53
147.70
83.50
305.00
272.58
181.82
192.76
167.84
205.61
251.63
573.96
growth rate 0.1% -43.5% 265.3% -10.6% -33.3% 6.0% -12.9% 22.5% 22.4% 128.1%
FCF per Share 3.03
2.03
1.97
4.67
4.40
1.97
2.34
4.61
-1.13
-1.32
3.69
growth rate -33.0% -3.0% 137.1% -5.8% -55.2% 18.8% 97.0% -100.0% 0.0% 100.0%
Sale Purchase of Stock 0.75
-197.61
-0.66
1.03
0.50
1.41
2.50
growth rate -100.0% 0.0% 100.0% -51.7% 182.6% 77.6%
FCF 111.00
71.00
79.00
248.00
228.00
108.00
127.00
72.00
93.00
55.00
384.00
growth rate -36.0% 11.3% 213.9% -8.1% -52.6% 17.6% -43.3% 29.2% -40.9% 598.2%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 295.83
301.30
377.70
525.50
507.28
464.50
452.29
558.18
766.31
873.23
947.66
growth rate 1.9% 25.4% 39.1% -3.5% -8.4% -2.6% 23.4% 37.3% 14.0% 8.5%
Op.Income -7.80
-77.80
20.60
38.73
90.37
98.46
175.90
245.33
282.95
311.95
growth rate 0.0% 100.0% 88.0% 133.4% 8.9% 78.7% 39.5% 15.3% 10.3%
IBT -7.83
-77.84
20.55
44.00
126.85
137.95
123.29
232.16
253.38
288.82
growth rate 0.0% 100.0% 114.1% 188.3% 8.8% -10.6% 88.3% 9.1% 14.0%
Net Income 16.20
-26.10
20.50
38.73
90.37
98.46
86.10
158.95
174.14
304.04
growth rate -100.0% 100.0% 88.9% 133.4% 8.9% -12.6% 84.6% 9.6% 74.6%
EPS 2.58
0.44
-0.91
0.19
0.52
1.60
1.79
1.31
2.02
2.13
3.49
growth rate -83.0% -100.0% 100.0% 173.7% 207.7% 11.9% -26.8% 54.2% 5.5% 63.9%
Gross Profit 558.18
766.31
873.23
947.66
growth rate 37.3% 14.0% 8.5%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 94.16
71.77
79.31
growth rate -23.8% 10.5%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Payable 14,415.14
14,958.38
14,970.59
14,922.66
14,708.79
growth rate 3.8% 0.1% -0.3% -1.4%
Cur.Assets 1,220.82
1,174.41
1,008.79
983.33
555.17
growth rate -3.8% -14.1% -2.5% -43.5%
Total Assets 20,116.54
20,086.94
20,167.52
19,966.56
19,719.97
growth rate -0.2% 0.4% -1.0% -1.2%
Cash 443.72
369.22
382.86
493.12
430.67
growth rate -16.8% 3.7% 28.8% -12.7%
Inventory 18.33
15.11
15.37
14.42
14.46
growth rate -17.6% 1.7% -6.2% 0.3%
Cur.Liabilities 16,807.44
16,360.47
16,187.65
16,093.12
16,168.97
growth rate -2.7% -1.1% -0.6% 0.5%
Liabilities 17,424.44
17,077.12
17,233.18
17,017.86
16,754.64
growth rate -2.0% 0.9% -1.3% -1.6%
LT Debt 617.00
716.65
1,045.53
924.74
585.67
growth rate 16.2% 45.9% -11.6% -36.7%
Equity 2,576.81
2,699.82
2,739.63
2,753.97
2,770.61
growth rate 4.8% 1.5% 0.5% 0.6%
Common Shares 0.86
0.86
0.86
0.86
0.86
growth rate 0.0% 0.2% 0.1% 0.1%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 51.48
58.45
26.36
50.54
22.32
growth rate 13.5% -54.9% 91.7% -55.8%
Cash Dividends 19.72
19.64
25.79
23.25
23.29
growth rate -0.4% 31.4% -9.9% 0.2%
Cash From OA 113.73
283.07
0.95
262.86
429.85
growth rate 148.9% -99.7% 27,686.3% 63.5%
Sale Purchase of Stock 0.34
0.79
0.66
growth rate 132.7% -16.5%
FCF 62.25
224.62
-25.42
212.32
407.53
growth rate 260.8% -100.0% 100.0% 91.9%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 247.69
239.07
238.68
241.16
220.19
growth rate -3.5% -0.2% 1.0% -8.7%
Op.Income 90.69
68.46
76.52
76.05
73.93
growth rate -24.5% 11.8% -0.6% -2.8%
IBT 85.40
63.75
70.79
48.16
51.64
growth rate -25.4% 11.1% -32.0% 7.2%
Net Income 60.84
144.19
56.76
38.53
42.71
growth rate 137.0% -60.6% -32.1% 10.9%
EPS
growth rate
Gross Profit 247.69
239.07
238.68
241.16
220.19
growth rate -3.5% -0.2% 1.0% -8.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (87.27)

YOY Growth Grade:

D (40.69)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.25 13.48 13.47
EPS / Growth 9.6% 3.37 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.0% 10.2% 10.2%
Future PE 13.25 15.69 15.69
Future EPS 7.26 8.87 8.87
Value Price
MOS %
23.79
-47.5%
34.42
-24.1%
34.42
-24.1%
MOS Price 11.90 17.21 17.21
IRT 9.00 8.33 8.33

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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