Mountain Commerce Bancorp, Inc.

OTCPK:MCBI Stock Report

Market Cap: US$137.5m

Mountain Commerce Bancorp Valuation

Is MCBI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 ($21.5) is trading below our estimate of fair value ($45.32)

Significantly Below Fair Value: MCBI is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MCBI?

Key metric: As MCBI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MCBI. This is calculated by dividing MCBI's market cap by their current earnings.
What is MCBI's PE Ratio?
PE Ratio21.3x
EarningsUS$6.45m
Market CapUS$137.45m

Price to Earnings Ratio vs Peers

How does MCBI's PE Ratio compare to its peers?

The above table shows the PE ratio for MCBI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.4x
VBFC Village Bank and Trust Financial
16.2xn/aUS$116.9m
MRBK Meridian
15.2x28.9%US$171.5m
SBFG SB Financial Group
12.4x2.1%US$144.9m
ATLO Ames National
17.9xn/aUS$158.4m
MCBI Mountain Commerce Bancorp
21.3xn/aUS$137.5m

Price-To-Earnings vs Peers: MCBI is expensive based on its Price-To-Earnings Ratio (21.3x) compared to the peer average (15.4x).

Price to Earnings Ratio vs Industry

How does MCBI's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
MCBI 21.3xIndustry Avg. 13.2xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MCBI is expensive based on its Price-To-Earnings Ratio (21.3x) compared to the US Banks industry average (13.2x).

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.

MCBI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio21.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate MCBI's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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