Macatawa Bank Corp is the United states based holding company of Macatawa Bank. The Bank operates in twenty-six branch offices and a lending and operational service facility, providing a range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. It also provides a range of loan products to business customers, including commercial and industrial and commercial real estate loans, and to retail customers, including residential mortgage and consumer loans. In addition, other services provided by the company includes internet banking, debit cards services and brokerage services. The Company's primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.35
Equity-to-Asset	0.11
Debt-to-Equity	0.07
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.96	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.2
	3-Year EPS without NRI Growth Rate	-27.9
	3-Year FCF Growth Rate	15.1
	3-Year Book Growth Rate	6

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	83.98
	9-Day RSI	78.14
	14-Day RSI	72.52
	6-1 Month Momentum %	25.42
	12-1 Month Momentum %	44.22

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.39
	Dividend Payout Ratio	0.28
	3-Year Dividend Growth Rate	1
	Forward Dividend Yield %	2.45
	5-Year Yield-on-Cost %	3.08
	3-Year Average Share Buyback Ratio	-0.2
	Shareholder Yield %	2.87

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	40.02
	FCF Margin %	39.37
	ROE %	14.92
	ROA %	1.53
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.34
	Forward PE Ratio	12.35
	PE Ratio without NRI	12.34
	Shiller PE Ratio	16.83
	Price-to-Owner-Earnings	12.85
	PEG Ratio	1.71
	PS Ratio	4.97
	PB Ratio	1.74
	Price-to-Tangible-Book	1.74
	Price-to-Free-Cash-Flow	12.6
	Price-to-Operating-Cash-Flow	12.33
	EV-to-Revenue	4.9
	EV-to-Forward-Revenue	5.06
	EV-to-FCF	12.41
	Price-to-Projected-FCF	0.86
	Price-to-DCF (Earnings Based)	1.07
	Price-to-DCF (FCF Based)	0.7
	Price-to-Median-PS-Value	1.26
	Price-to-Peter-Lynch-Fair-Value	2.04
	Price-to-Graham-Number	0.98
	FCF Yield %	7.93
	Forward Rate of Return (Yacktman) %	12.77

GF Value: $11.06

MCBC

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