MCBI Stock Overview

Operates as the holding company for Mountain Commerce Bank that provides banking services for small- and medium-sized businesses, professionals, and affluent individuals. More details

MCBI fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	1/6

Rewards

Trading at 52.9% below our estimate of its fair value

Risk Analysis

Earnings have declined by 5.6% per year over past 5 years

Profit margins (19.5%) are lower than last year (28.8%)

My Notes

Capture your thoughts, links and company narrative

Mountain Commerce Bancorp, Inc. Competitors

Ames National

NasdaqCM:ATLO

US$147.8m

Village Bank and Trust Financial

NasdaqCM:VBFC

US$121.4m

Meridian

NasdaqGS:MRBK

US$156.8m

Riverview Bancorp

NasdaqGS:RVSB

US$119.0m

Price History & Performance

Summary of share price highs, lows and changes for Mountain Commerce Bancorp
Historical stock prices
Current Share Price	US$21.12
52 Week High	US$21.99
52 Week Low	US$16.15
Beta	0.80
1 Month Change	-1.77%
3 Month Change	0.67%
1 Year Change	16.36%
3 Year Change	-31.87%
5 Year Change	-4.00%
Change since IPO	71.01%

Recent updates

Shareholder Returns

	MCBI	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	16.4%	29.1%	23.4%

Return vs Industry: MCBI underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: MCBI underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is MCBI's price volatile compared to industry and market?
MCBI volatility
MCBI Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: Data is not available.

Volatility Over Time: Insufficient data to determine MCBI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1910	108	Bill Edwards	www.mcb.com

Mountain Commerce Bancorp, Inc. operates as the holding company for Mountain Commerce Bank that provides banking services for small- and medium-sized businesses, professionals, and affluent individuals. It offers checking and savings accounts; money market accounts; certificates of deposit; and mortgage loans, personal loans and lines of credit, commercial real estate loans, small business administration loans, equipment lending, operating lines of credit, and credit cards. The company also provides private banking, free fraud monitoring, estatement, remote deposit capture, and online banking services; and treasury management solutions.

Mountain Commerce Bancorp, Inc. Fundamentals Summary

How do Mountain Commerce Bancorp's earnings and revenue compare to its market cap?
MCBI fundamental statistics
Market cap	US$135.02m
Earnings (TTM)	US$6.45m
Revenue (TTM)	US$33.09m

20.9x

P/E Ratio

1.0x

P/B Ratio

Is MCBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MCBI income statement (TTM)
Revenue	US$33.09m
Cost of Revenue	US$0
Gross Profit	US$33.09m
Other Expenses	US$26.64m
Earnings	US$6.45m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.01
Gross Margin	100.00%
Net Profit Margin	19.50%
Debt/Equity Ratio	53.5%

How did MCBI perform over the long term?

See historical performance and comparison

Dividends

0.9%

Current Dividend Yield

33%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 08:49
End of Day Share Price	2024/12/11 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Mountain Commerce Bancorp, Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	Stephens, Inc.