Madison County Financial Past Earnings Performance

Past criteria checks 4/6

Madison County Financial's earnings have been declining at an average annual rate of -9.7%, while the Banks industry saw earnings growing at 7% annually. Revenues have been declining at an average rate of 4.7% per year. Madison County Financial's return on equity is 4.3%, and it has net margins of 29.6%.

Key information

-9.7%

Earnings growth rate

-9.7%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	-4.7%
Return on equity	4.3%
Net Margin	29.6%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Madison County Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:MCBK Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	14	4	9
30 Jun 24	13	4	9
31 Mar 24	13	3	9
31 Dec 23	13	3	9
30 Sep 23	13	3	10
30 Jun 23	16	5	10
31 Mar 23	17	6	10
31 Dec 22	19	8	10
30 Sep 22	20	8	10
30 Jun 22	19	7	10
31 Mar 22	20	7	10
31 Dec 21	20	7	10
30 Sep 21	20	8	9
30 Jun 21	20	7	9
31 Mar 21	19	7	9
31 Dec 20	19	7	9
30 Sep 20	18	7	8
30 Jun 20	18	7	8
31 Mar 20	16	6	8
31 Dec 19	16	6	8
30 Sep 19	15	6	7
30 Jun 19	15	5	7
31 Mar 19	15	5	7
31 Dec 18	15	6	7
30 Sep 18	15	4	7
30 Jun 18	15	4	7
31 Mar 18	15	4	0
31 Dec 17	15	3	7
30 Sep 17	15	5	7
30 Jun 17	15	5	7
31 Mar 17	15	5	7
31 Dec 16	15	5	7
30 Sep 16	14	4	7
30 Jun 16	14	4	7
31 Mar 16	13	4	7
31 Dec 15	13	3	7
30 Sep 15	12	3	7
30 Jun 15	12	3	7
31 Mar 15	12	3	6
31 Dec 14	11	3	7
30 Sep 14	11	3	6
30 Jun 14	11	3	6
31 Mar 14	11	3	6
31 Dec 13	11	3	6

Quality Earnings: MCBK has high quality earnings.

Growing Profit Margin: MCBK's current net profit margins (29.6%) are higher than last year (23.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: MCBK's earnings have declined by 9.7% per year over the past 5 years.

Accelerating Growth: MCBK's earnings growth over the past year (33.1%) exceeds its 5-year average (-9.7% per year).

Earnings vs Industry: MCBK earnings growth over the past year (33.1%) exceeded the Banks industry -11.8%.

Return on Equity

High ROE: MCBK's Return on Equity (4.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 03:26
End of Day Share Price	2024/12/18 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

Analysis Model and Snowflake

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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 .

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.

Analyst	Institution