MCBI Stock Overview
Mountain Commerce Bancorp, Inc. operates as a bank holding company for Mountain Commerce Bank that offers personal and business banking services.
Mountain Commerce Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$28.50|
|52 Week High||US$31.50|
|52 Week Low||US$25.75|
|1 Month Change||0.71%|
|3 Month Change||-7.77%|
|1 Year Change||6.15%|
|3 Year Change||50.79%|
|5 Year Change||103.57%|
|Change since IPO||130.77%|
Recent News & Updates
|MCBI||US Banks||US Market|
Return vs Industry: MCBI exceeded the US Banks industry which returned -16.2% over the past year.
Return vs Market: MCBI exceeded the US Market which returned -20.6% over the past year.
|MCBI Average Weekly Movement||1.9%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||16.4%|
|10% least volatile stocks in US Market||3.1%|
Stable Share Price: MCBI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: Insufficient data to determine MCBI's volatility change over the past year.
About the Company
Mountain Commerce Bancorp, Inc. operates as a bank holding company for Mountain Commerce Bank that offers personal and business banking services. It offers checking and savings accounts; certificates of deposit; and loans and lines of credit, such as mortgage loans, personal loans and lines of credit, commercial real estate lending, small business administration loans, equipment lending, operating lines of credit, and credit cards. The company also provides private banking services; remote deposit capture services; treasury management solutions; and online banking services.
Mountain Commerce Bancorp Fundamentals Summary
|MCBI fundamental statistics|
Is MCBI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|MCBI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.70|
|Net Profit Margin||47.00%|
How did MCBI perform over the long term?See historical performance and comparison
2.1%Current Dividend Yield
Is MCBI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MCBI?
Other financial metrics that can be useful for relative valuation.
|What is MCBI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does MCBI's PE Ratio compare to its peers?
|MCBI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: MCBI is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (7.9x).
Price to Earnings Ratio vs Industry
How does MCBI's PE Ratio compare vs other companies in the U.S. Banks Industry?
Price-To-Earnings vs Industry: MCBI is good value based on its Price-To-Earnings Ratio (7.7x) compared to the US Banks industry average (9.6x)
Price to Earnings Ratio vs Fair Ratio
What is MCBI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||7.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate MCBI's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of MCBI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: MCBI ($28.5) is trading below our estimate of fair value ($33.06)
Significantly Below Fair Value: MCBI is trading below fair value, but not by a significant amount.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MCBI's PEG Ratio to determine if it is good value.
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How is Mountain Commerce Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Mountain Commerce Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Mountain Commerce Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Mountain Commerce Bancorp's filings and announcements here.
How has Mountain Commerce Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MCBI has high quality earnings.
Growing Profit Margin: MCBI's current net profit margins (47%) are higher than last year (37.5%).
Past Earnings Growth Analysis
Earnings Trend: MCBI's earnings have grown significantly by 29.3% per year over the past 5 years.
Accelerating Growth: MCBI's earnings growth over the past year (83.2%) exceeds its 5-year average (29.3% per year).
Earnings vs Industry: MCBI earnings growth over the past year (83.2%) exceeded the Banks industry 20.4%.
Return on Equity
High ROE: Whilst MCBI's Return on Equity (20.06%) is high, this metric is skewed due to their high level of debt.
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How is Mountain Commerce Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: MCBI's Assets to Equity ratio (11.9x) is moderate.
Allowance for Bad Loans: MCBI has a sufficient allowance for bad loans (604%).
Low Risk Liabilities: 90% of MCBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: MCBI has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: MCBI's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: MCBI has an appropriate level of bad loans (0.2%).
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What is Mountain Commerce Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MCBI's dividend (2.11%) is higher than the bottom 25% of dividend payers in the US market (1.63%).
High Dividend: MCBI's dividend (2.11%) is low compared to the top 25% of dividend payers in the US market (4.33%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether MCBI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if MCBI's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (14.7%), MCBI's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Bill Edwards (61 yo)
Mr. William E. Edwards, III, also known as Bill, is a Founder of Mountain Commerce Bancorp, Inc. and Mountain Commerce Bank. He serves as President and Chief Executive Officer of Mountain Commerce Bancorp,...
Experienced Board: MCBI's board of directors are considered experienced (6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Mountain Commerce Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Mountain Commerce Bancorp, Inc.
- Ticker: MCBI
- Exchange: OTCPK
- Founded: 1910
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$179.691m
- Shares outstanding: 6.30m
- Website: https://www.mcb.com
Number of Employees
- Mountain Commerce Bancorp, Inc.
- 6101 Kingston Pike
- PO Box 52942
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/22 00:00|
|End of Day Share Price||2022/06/17 00:00|
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.