Middlefield Banc (MBCN) — Cash Flow Quality Index
Latest as of September 2025:
0.91x
Middlefield Banc (MBCN) has a Cash Flow Quality Index of 0.91x as of September 2025. Operating cash flow of $4.83 Million is below net income of $5.32 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Middlefield Banc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.91x
Operating CF / Net Income
Operating Cash Flow
$4.83 Million
USD
Net Income
$5.32 Million
USD
Data as of
Sep 2025
Most recent filing
Middlefield Banc Cash Flow Quality Index (2000–2024)
Historical Cash Flow Quality Index for Middlefield Banc across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see MBCN cash flow metrics.
Annual Cash Flow Quality Index for Middlefield Banc (2000–2024)
Year-by-year earnings quality comparison for Middlefield Banc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.13x | $17.47 Million | $15.52 Million | ▼ -12.6% |
| 2023 | 1.29x | $22.36 Million | $17.37 Million | ▲ +9.9% |
| 2022 | 1.17x | $18.36 Million | $15.67 Million | ▲ +41.6% |
| 2021 | 0.83x | $15.42 Million | $18.63 Million | ▼ -54.2% |
| 2020 | 1.81x | $15.08 Million | $8.35 Million | ▲ +70.6% |
| 2019 | 1.06x | $13.46 Million | $12.71 Million | ▼ -7.8% |
| 2018 | 1.15x | $14.28 Million | $12.43 Million | ▼ -22.0% |
| 2017 | 1.47x | $13.92 Million | $9.46 Million | ▲ +21.1% |
| 2016 | 1.22x | $7.80 Million | $6.42 Million | ▲ +16.2% |
| 2015 | 1.05x | $7.18 Million | $6.87 Million | ▲ +0.7% |
| 2014 | 1.04x | $7.46 Million | $7.18 Million | ▼ -26.2% |
| 2013 | 1.41x | $9.90 Million | $7.03 Million | ▼ -14.0% |
| 2012 | 1.64x | $10.28 Million | $6.28 Million | ▼ -26.1% |
| 2011 | 2.21x | $9.15 Million | $4.13 Million | ▼ -2.8% |
| 2010 | 2.28x | $5.73 Million | $2.52 Million | ▲ +257.9% |
| 2009 | 0.64x | $1.13 Million | $1.78 Million | ▼ -47.9% |
| 2008 | 1.22x | $3.20 Million | $2.61 Million | ▼ -3.9% |
| 2007 | 1.27x | $4.29 Million | $3.38 Million | ▲ +9.7% |
| 2006 | 1.16x | $4.51 Million | $3.88 Million | ▲ +8.4% |
| 2005 | 1.07x | $3.96 Million | $3.70 Million | ▼ -12.8% |
| 2004 | 1.23x | $4.02 Million | $3.27 Million | ▼ -0.6% |
| 2003 | 1.23x | $3.46 Million | $2.80 Million | ▼ -3.6% |
| 2002 | 1.28x | $3.20 Million | $2.50 Million | ▲ +7.6% |
| 2001 | 1.19x | $2.70 Million | $2.27 Million | ▼ -9.8% |
| 2000 | 1.32x | $2.95 Million | $2.24 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.