OTCPK:MCBI

Stock Analysis Report

Mountain Commerce Bancorp

Executive Summary

Mountain Commerce Bancorp, Inc. operates as a bank holding company for Mountain Commerce Bank that offers personal and business banking services.

Snowflake

Fundamentals

Adequate balance sheet with proven track record.

Risks

  • Mountain Commerce Bancorp is not covered by any analysts.

Share Price & News

How has Mountain Commerce Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

OTCPK:MCBI

3.3%

US Banks

2.1%

US Market


1 Year Return

-4.0%

OTCPK:MCBI

-13.8%

US Banks

-0.04%

US Market

MCBI outperformed the Banks industry which returned -13.8% over the past year.

MCBI underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

MCBIIndustryMarket
7 Day0.3%3.3%2.1%
30 Day0.3%-7.0%-3.2%
90 Day1.4%-2.3%2.8%
1 Year-4.0%-4.0%-11.3%-13.8%2.2%-0.04%
3 Yearn/a42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Mountain Commerce Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mountain Commerce Bancorp undervalued based on future cash flows and its price relative to the stock market?

10.83x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Mountain Commerce Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Mountain Commerce Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Mountain Commerce Bancorp is good value based on earnings compared to the US Banks industry average.

Mountain Commerce Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Mountain Commerce Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Mountain Commerce Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Mountain Commerce Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Mountain Commerce Bancorp is high growth as no revenue estimate data is available.

Mountain Commerce Bancorp's earnings are expected to grow by 2.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Mountain Commerce Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Mountain Commerce Bancorp's earnings growth is positive but not above the United States of America market average.

Mountain Commerce Bancorp's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Mountain Commerce Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Mountain Commerce Bancorp performed over the past 5 years?

33.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Mountain Commerce Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Mountain Commerce Bancorp's 1-year earnings growth exceeds its 5-year average (65.8% vs 33.3%)

Mountain Commerce Bancorp's earnings growth has exceeded the US Banks industry average in the past year (65.8% vs 33.1%).


Return on Equity

Mountain Commerce Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Mountain Commerce Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Mountain Commerce Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Mountain Commerce Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Mountain Commerce Bancorp has an acceptable proportion of non-loan assets held.

Unable to establish if Mountain Commerce Bancorp has a sufficient allowance for bad loans without relevant financial data.

Mountain Commerce Bancorp's liabilities are made up of primarily low risk sources of funding.

Mountain Commerce Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Mountain Commerce Bancorp are broadly funded by customer deposits.

Unable to establish if Mountain Commerce Bancorp has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Mountain Commerce Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Mountain Commerce Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Mountain Commerce Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Mountain Commerce Bancorp has not reported any payouts.

Unable to verify if Mountain Commerce Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Mountain Commerce Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Mountain Commerce Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.9yrs

Average board tenure


CEO

Bill Edwards (59yo)

0.0yrs

Tenure

0

Mr. William E. Edwards, III, also known as Bill, is a native Tennessean and long-time resident of Johnson City, Tennessee. In addition to his role as President and Chief Executive Officer of Mountain Comm ...


Board Age and Tenure

3.9yrs

Average Tenure

61yo

Average Age

The tenure for the Mountain Commerce Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bill Edwards (59yo)

    Vice Chairman

    • Tenure: 0.0yrs
  • Sheila Patterson

    Senior VP & CFO

    • Tenure: 0.0yrs
  • Tim Topham

    Executive VP

    • Tenure: 0.0yrs
  • Kevin Horne

    Executive VP

    • Tenure: 0.0yrs
  • Regenia Ellis

    First VP

    • Tenure: 0.0yrs

Board Members

  • Mike Hatcher (68yo)

    Director

    • Tenure: 3.9yrs
  • Doug Yoakley (61yo)

    Director

    • Tenure: 2.5yrs
  • Bill Edwards (59yo)

    Vice Chairman

    • Tenure: 0.0yrs
  • Dwight Ferguson

    Chairman of the Board

    • Tenure: 9.2yrs
  • Frank Wood

    Director

    • Tenure: 8.4yrs
  • Tim Topham

    Executive VP

    • Tenure: 0.0yrs
  • Kevin Horne

    Executive VP

    • Tenure: 0.0yrs
  • Wendell Kirk

    Director

    • Tenure: 0.0yrs
  • Sam Widener

    Director

    • Tenure: 0.0yrs
  • Wade Farmer

    Director

    • Tenure: 3.9yrs

Company Information

Mountain Commerce Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mountain Commerce Bancorp, Inc.
  • Ticker: MCBI
  • Exchange: OTCPK
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$117.994m
  • Shares outstanding: 6.19m
  • Website: https://www.mcb.com

Location

  • Mountain Commerce Bancorp, Inc.
  • 6101 Kingston Pike
  • PO Box 52942
  • Knoxville
  • Tennessee
  • 37919
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MCBIOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2017

Biography

Mountain Commerce Bancorp, Inc. operates as a bank holding company for Mountain Commerce Bank that offers personal and business banking services. The company offers checking and savings accounts; certifica ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 01:18
End of Day Share Price2019/08/22 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.