Madison County Financial (MCBK) Stock Overview

Operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in the United States. More details

MCBK fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	1/6

Rewards

Price-To-Earnings ratio (11.6x) is below the US market (19.3x)

Earnings grew by 52.6% over the past year

Risk Analysis

Earnings have declined by 9.8% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($81M)

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Madison County Financial, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Madison County Financial
Historical stock prices
Current Share Price	US$31.77
52 Week High	US$34.45
52 Week Low	US$25.01
Beta	0.091
1 Month Change	-0.72%
3 Month Change	4.68%
1 Year Change	24.64%
3 Year Change	32.15%
5 Year Change	-12.96%
Change since IPO	113.36%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	MCBK	US Banks	US Market
7D	0.3%	0.8%	0.7%
1Y	24.6%	21.7%	20.6%

Return vs Industry: MCBK exceeded the US Banks industry which returned 21.7% over the past year.

Return vs Market: MCBK exceeded the US Market which returned 20.6% over the past year.

Price Volatility

Is MCBK's price volatile compared to industry and market?
MCBK volatility
MCBK Average Weekly Movement	n/a
Banks Industry Average Movement	3.4%
Market Average Movement	7.3%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	3.2%

Stable Share Price: MCBK's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1888	n/a	Jeff Warnemunde	www.madisoncountybank.com

Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in the United States. It offers checking, health savings, savings, and individual retirement accounts; certificates of deposit; credit and debit cards; home loans and consumer loans, such as home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also provides construction loans, equipment financing, investment property loans, working capital loans, and commercial real estate loans; and Ag real estate loans, machinery and equipment loans, livestock and crop loans, and operating loans.

Madison County Financial, Inc. Fundamentals Summary

How do Madison County Financial's earnings and revenue compare to its market cap?
MCBK fundamental statistics
Market cap	US$81.26m
Earnings (TTM)	US$6.99m
Revenue (TTM)	US$18.42m

11.6x

P/E Ratio

0.8x

P/B Ratio

Is MCBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MCBK income statement (TTM)
Revenue	US$18.42m
Cost of Revenue	US$0
Gross Profit	US$18.42m
Other Expenses	US$11.43m
Earnings	US$6.99m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	2.73
Gross Margin	100.00%
Net Profit Margin	37.96%
Debt/Equity Ratio	18.3%

How did MCBK perform over the long term?

See historical performance and comparison

Dividends

1.1%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/11 20:00
End of Day Share Price	2026/07/06 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

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.

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 Github.

Analyst Sources

Madison County Financial, Inc. is covered by 0 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.