Midland Capital Holdings Corp. (MCPH)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Midland Capital Holdings Corp. (MCPH) trades at $30.00 with AI Score 55/100 (Grade B). Midland Capital Holdings Corp. Market cap: $11.18M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for MCPH: MCPH does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MCPH against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MCPH: 4/6 perspectives are bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Midland Capital Holdings Corp. (MCPH) Financial Services Profile
Midland Capital Holdings Corp., the holding company for Midland Federal Savings and Loan Association, offers a range of banking products and services, including deposit accounts and loans, primarily in the Bridgeview, Illinois area, competing with other regional banks and financial institutions while maintaining a community-focused approach.
What Is the Investment Thesis for MCPH?
Midland Capital Holdings Corp. presents a focused investment case centered on its established community banking presence and diversified financial service offerings. With a market capitalization of $11.18M and a P/E ratio of 20.2, the company demonstrates profitability with a 17.0% profit margin and a 100.0% gross margin. Key to its growth will be its ability to adapt to changing customer preferences and technological advancements in the banking sector. Upcoming catalysts include potential expansions in its digital banking services and strategic partnerships to enhance its investment service offerings. However, potential risks include the negative beta of -1.24, indicating potential volatility relative to the market, and competition from larger regional banks and fintech companies. The company's success hinges on maintaining strong customer relationships and efficiently managing its loan portfolio.
Based on FMP financials and quantitative analysis
MCPH Key Highlights
- Market capitalization of $11.18M indicates a small-cap company with potential for growth.
- P/E ratio of 20.2 suggests the company is trading at a moderate valuation relative to its earnings.
- Profit margin of 17.0% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 100.0% indicates efficient management of the cost of services.
- Beta of -1.24 suggests the stock price has a negative correlation with the market, potentially offering diversification benefits.
Who Are MCPH's Competitors?
MCPH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMSA American Seniors Association Holding Group, Inc. | $0.20 | +0.00% | $10.47M | 46 |
| CCFC CCSB Financial Corp. | $12.15 | +0.00% | $8.73M | 45 |
| CNBA Chester Bancorp, Inc. | $5.80 | +0.00% | $25.91M | 45 |
| FNFPA First Niles Financial, Inc. PFD SER A | $5.05 | +32.89% | $5.62M | 45 |
| FPBC First Pacific Bancorp | $7.25 | -0.41% | $14.06M | 49 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MCPH's Key Strengths?
- Long-standing presence in the community.
- Diversified range of banking products and services.
- Strong customer relationships.
- Experienced management team.
What Are MCPH's Weaknesses?
- Limited geographic reach.
- Small market capitalization.
- Dependence on traditional banking services.
- Negative beta indicating potential volatility.
What Could Drive MCPH Stock Higher?
- Potential expansion of digital banking services to attract and retain customers.
- Strategic partnerships with fintech companies to enhance service offerings.
- Diversification of loan portfolio to reduce risk and increase revenue streams.
- Enhancement of investment service offerings to attract new customers.
- Exploration of geographic expansion within Illinois to increase market share.
What Are the Key Risks for MCPH?
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Competition from larger national banks and fintech companies.
- Interest rate fluctuations affecting profitability.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Negative beta indicating potential volatility relative to the market.
What Are the Growth Opportunities for MCPH?
- Expansion of Digital Banking Services: Midland Capital Holdings Corp. can capitalize on the growing demand for digital banking by enhancing its online and mobile platforms. Investing in user-friendly interfaces, secure transaction capabilities, and personalized financial management tools can attract and retain customers. The digital banking market is projected to reach $9.08 trillion in transactions in 2026, offering a significant opportunity for growth. Timeline: Ongoing.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide Midland Capital Holdings Corp. with access to innovative technologies and expanded service offerings. Partnerships can focus on areas such as online lending, payment processing, and wealth management. The fintech market is expected to reach $698.48 billion in 2026, presenting opportunities for mutually beneficial collaborations. Timeline: Ongoing.
- Increase in Loan Portfolio Diversification: Midland Capital Holdings Corp. can diversify its loan portfolio by expanding into new lending segments, such as small business loans or specialized commercial real estate financing. Diversification can reduce risk and increase revenue streams. The small business lending market is projected to grow to $998.45 billion in 2026, offering a substantial growth opportunity. Timeline: Ongoing.
- Enhancement of Investment Service Offerings: Midland Capital Holdings Corp. can enhance its investment service offerings by providing a wider range of investment products and advisory services. This can attract new customers and increase revenue from existing clients. The investment management market is expected to reach $145.1 trillion in 2026, presenting a significant growth opportunity. Timeline: Ongoing.
- Geographic Expansion within Illinois: Midland Capital Holdings Corp. can explore opportunities for geographic expansion within Illinois by opening new branches or acquiring smaller community banks. This can increase its market share and customer base. The Illinois banking market is estimated to be worth $100 billion in assets, offering opportunities for strategic expansion. Timeline: Upcoming.
What Opportunities Does MCPH Have?
- Expansion of digital banking services.
- Strategic partnerships with fintech companies.
- Increase in loan portfolio diversification.
- Geographic expansion within Illinois.
What Threats Does MCPH Face?
- Competition from larger national banks.
- Rise of fintech companies.
- Interest rate fluctuations.
- Regulatory changes.
What Are MCPH's Competitive Advantages?
- Established community presence and customer relationships.
- Diversified range of banking products and services.
- Experienced management team with local market expertise.
- Strong capital base and risk management practices.
What Does MCPH Do?
Founded in 1914, Midland Capital Holdings Corp. has a long history rooted in community banking through its subsidiary, Midland Federal Savings and Loan Association. The company provides a suite of traditional banking products and services, catering to individuals and businesses primarily in the Bridgeview, Illinois region. These offerings encompass various deposit accounts, including checking, savings, certificates of deposit, money market, individual retirement, and Christmas club accounts, designed to meet diverse customer needs. On the lending side, Midland Federal provides consumer, business, home mortgage, multi-family, construction, home equity, and home improvement loans. Beyond traditional banking, Midland Capital Holdings Corp. offers additional services such as ATM/debit and check cards, insurance products (homeowners, mortgage, automobile, Medicare supplements, condo/renters package, group and individual health, SMP or business owners, and life/term/disability insurance), and investment services, including annuities, retirement planning, stocks and bonds, mutual funds, business retirement plans, education planning, and tax-efficient investments. The company enhances its service offerings with real estate tax and land trust services. To facilitate modern banking needs, Midland Capital Holdings Corp. provides merchant card, direct deposit, remote deposit capture, internet banking, online bill payment, safe deposit boxes, wire transfer, notary public, ATM, telephone banking, night depository, money orders, and cashier's checks services. This comprehensive approach positions Midland Capital Holdings Corp. as a community-focused financial institution with a commitment to serving its local market.
What Products and Services Does MCPH Offer?
- Accepts checking and savings accounts from individuals and businesses.
- Offers certificates of deposit and money market accounts.
- Provides consumer, business, and mortgage loans.
- Offers ATM/debit and check cards.
- Provides insurance products, including homeowners and auto insurance.
- Offers investment services such as retirement planning and mutual funds.
- Provides real estate tax and land trust services.
- Offers online and mobile banking services.
How Does MCPH Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Receives commissions from insurance and investment products.
- Manages risk through diversification of loan portfolio and risk management practices.
What Industry Does MCPH Operate In?
Midland Capital Holdings Corp. operates within the regional banking sector, which is characterized by increasing competition from larger national banks and the rise of fintech companies. The industry is undergoing a digital transformation, with customers demanding more convenient and accessible online and mobile banking services. The market is also influenced by interest rate fluctuations and regulatory changes. Midland Capital Holdings Corp.'s success depends on its ability to adapt to these trends and maintain its competitive position within its local market.
Who Are MCPH's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Homeowners seeking mortgage financing.
- Investors seeking retirement planning and investment products.
Company Profile
Midland Capital Holdings Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bridgeview, US. The company is led by CEO Paul M. Zogas. MCPH has traded publicly since 2007.
F-Score 3/9Financial Health
Midland Capital Holdings Corp.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny.
ROE 6%Key Financial Metrics
Return on equity for Midland Capital Holdings Corp. stands at 5.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. MCPH trades at a trailing price-to-earnings ratio of 20.20, above the Financial Services sector average of ~18x. Its free cash flow yield is 3.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 2.36 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.0%, the inverse of the P/E and a quick read on earnings relative to price.
MCPH Valuation & Market Position
With a $11.18M market cap, Midland Capital Holdings Corp. sits in the micro-cap segment of the market. Relative to its peer group, MCPH's quantitative score of 55/100 is roughly in line with the peer average of 46/100.
MCPH Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that key stakeholders believe in its potential.
- Community sentiment has shifted positively, with discussions highlighting the company's strategic initiatives and growth prospects.
- Market perception has improved due to recent announcements about expanding operations, attracting interest from investors looking for growth stories.
- Increased engagement on social platforms reflects a growing interest in Midland Capital, signaling a potential bullish trend among retail investors.
Bear Case
- Concerns about the overall market volatility could overshadow Midland Capital's specific strengths, leading to cautious sentiment among investors.
- Some community members express skepticism about the sustainability of recent growth, fearing it may not be backed by solid fundamentals.
- Negative sentiment surrounding the sector as a whole may impact Midland Capital, leading to bearish views on its future performance.
- Recent challenges in securing financing for expansion projects have raised doubts about the company's ability to execute its growth strategy effectively.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
MCPH Latest News
No recent news available for MCPH.
MCPH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MCPH.
Price Targets
Wall Street price target analysis for MCPH.
MCPH MoonshotScore
What does this score mean?
The MoonshotScore rates MCPH's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Paul M. Zogas
CEO
Paul M. Zogas serves as the CEO of Midland Capital Holdings Corp., leading the company's strategic direction and overseeing its operations. His background includes extensive experience in the financial services industry, with a focus on community banking and lending. He has held various leadership positions within Midland Federal Savings and Loan Association, demonstrating a long-term commitment to the organization and its mission. His expertise encompasses financial management, risk assessment, and customer relationship management.
Track Record: Under Paul M. Zogas's leadership, Midland Capital Holdings Corp. has maintained a stable presence in the community banking sector. Key achievements include navigating regulatory changes and adapting to evolving customer preferences. He has focused on maintaining strong customer relationships and managing the company's loan portfolio effectively. His strategic decisions have contributed to the company's profitability and financial stability.
MCPH OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Midland Capital Holdings Corp. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with limited operating history or those that have been delisted from major exchanges.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: The company may not be required to provide regular or audited financial statements, making it difficult to assess its financial health.
- Low Liquidity: The stock may have limited trading volume, making it difficult to buy or sell shares without affecting the price.
- Potential for Fraud: The OTC market is subject to less regulatory oversight, increasing the risk of fraudulent activity.
- Price Volatility: The stock price may be highly volatile due to limited trading volume and market interest.
- Limited Operating History: The company may have a short or unproven operating history, making it difficult to predict its future performance.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their experience.
- Assess the company's business model and competitive landscape.
- Review the company's legal and regulatory filings.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any news or press releases about the company.
- Long Operating History: The company was founded in 1914, indicating a long-standing presence in the community.
- FDIC Insurance: Midland Federal Savings and Loan Association is likely FDIC-insured, providing some level of protection for depositors.
- Community Focus: The company's focus on community banking suggests a commitment to serving its local market.
- Physical Presence: The company has a physical headquarters in Bridgeview, Illinois.
- CEO Leadership: Paul M. Zogas has been with the company for a significant period, demonstrating stability in leadership.
Common Questions About MCPH (Financial Services)
What does Midland Capital Holdings Corp. do?
Midland Capital Holdings Corp., through its subsidiary Midland Federal Savings and Loan Association, operates as a community-focused financial institution providing a range of banking products and services to individuals and businesses. These include deposit accounts like checking, savings, and CDs, as well as loan products such as consumer, business, and mortgage loans. Additionally, the company offers insurance and investment services, striving to be a comprehensive financial solutions provider within its local market. The company also provides digital banking services to meet the evolving needs of its customers.
What do analysts say about MCPH stock?
As of March 18, 2026, there is no readily available analyst consensus on MCPH stock due to its OTC listing and limited coverage. Key valuation metrics include a P/E ratio of 20.2 and a market capitalization of $11.18M. Growth considerations center on the company's ability to adapt to digital banking trends, manage its loan portfolio effectively, and compete with larger regional banks and fintech companies. Investors should conduct their own due diligence and consider the risks associated with OTC stocks.
What are the main risks for MCPH?
Midland Capital Holdings Corp. faces several risks, including competition from larger national banks and the rise of fintech companies, which could erode its market share. Interest rate fluctuations can impact its profitability, and regulatory changes in the banking industry could increase compliance costs. An economic downturn could reduce loan demand and increase credit risk. Additionally, as an OTC-listed company, MCPH faces risks related to limited liquidity and financial disclosure.
What are the key factors to evaluate for MCPH?
Midland Capital Holdings Corp. (MCPH) holds an AI score of 55/100 (moderate). P/E: 20.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MCPH data refresh on this page?
MCPH prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MCPH's recent stock price performance?
Midland Capital Holdings Corp. (MCPH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MCPH overvalued or undervalued right now?
Midland Capital Holdings Corp. (MCPH) trades at 20.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MCPH?
Before investing in Midland Capital Holdings Corp. (MCPH), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of March 18, 2026.
- OTC market data may be limited or inconsistent.
- AI analysis pending for MCPH.