Mountain Commerce Bancorp (OTCPK:MCBI) - Stock Price, News & Analysis

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	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	1/6

Rewards

Trading at 52.6% 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%)

Mountain Commerce Bancorp, Inc. Competitors

Village Bank and Trust Financial

NasdaqCM:VBFC

US$116.9m

Meridian

NasdaqGS:MRBK

US$158.3m

SB Financial Group

NasdaqCM:SBFG

US$139.6m

Eagle Bancorp Montana

NasdaqGM:EBMT

US$128.9m

Price History & Performance

Summary of all time highs, changes and price drops for Mountain Commerce Bancorp
Historical stock prices
Current Share Price	US$21.50
52 Week High	US$21.75
52 Week Low	US$16.15
Beta	0.80
11 Month Change	5.08%
3 Month Change	13.04%
1 Year Change	n/a
33 Year Change	-30.19%
5 Year Change	1.65%
Change since IPO	74.09%

Recent updates

Shareholder Returns

	MCBI	US Banks	US Market
7D	1.2%	0.8%	0.3%
1Y	n/a	55.5%	31.1%

Return vs Industry: Insufficient data to determine how MCBI performed against the US Banks industry.

Return vs Market: Insufficient data to determine how MCBI performed against the US Market.

Price Volatility

Is MCBI's price volatile compared to industry and market?
MCBI volatility
MCBI Average Weekly Movement	3.8%
Banks Industry Average Movement	5.1%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: MCBI has not had significant price volatility in the past 3 months compared to the US market.

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$137.45m
Earnings (TTM)	US$6.45m
Revenue (TTM)	US$33.09m

21.3x

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

Does MCBI pay a reliable dividends?

See MCBI dividend history and benchmarks

When do you need to buy MCBI by to receive an upcoming dividend?
Mountain Commerce Bancorp dividend dates
Ex Dividend Date	Nov 04 2024
Dividend Pay Date	Dec 02 2024
Days until Ex dividend	18 days
Days until Dividend pay date	10 days