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
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 14 | 4 | 9 | 0 |
| 30 Jun 24 | 13 | 4 | 9 | 0 |
| 31 Mar 24 | 13 | 3 | 9 | 0 |
| 31 Dec 23 | 13 | 3 | 9 | 0 |
| 30 Sep 23 | 13 | 3 | 10 | 0 |
| 30 Jun 23 | 16 | 5 | 10 | 0 |
| 31 Mar 23 | 17 | 6 | 10 | 0 |
| 31 Dec 22 | 19 | 8 | 10 | 0 |
| 30 Sep 22 | 20 | 8 | 10 | 0 |
| 30 Jun 22 | 19 | 7 | 10 | 0 |
| 31 Mar 22 | 20 | 7 | 10 | 0 |
| 31 Dec 21 | 20 | 7 | 10 | 0 |
| 30 Sep 21 | 20 | 8 | 9 | 0 |
| 30 Jun 21 | 20 | 7 | 9 | 0 |
| 31 Mar 21 | 19 | 7 | 9 | 0 |
| 31 Dec 20 | 19 | 7 | 9 | 0 |
| 30 Sep 20 | 18 | 7 | 8 | 0 |
| 30 Jun 20 | 18 | 7 | 8 | 0 |
| 31 Mar 20 | 16 | 6 | 8 | 0 |
| 31 Dec 19 | 16 | 6 | 8 | 0 |
| 30 Sep 19 | 15 | 6 | 7 | 0 |
| 30 Jun 19 | 15 | 5 | 7 | 0 |
| 31 Mar 19 | 15 | 5 | 7 | 0 |
| 31 Dec 18 | 15 | 6 | 7 | 0 |
| 30 Sep 18 | 15 | 4 | 7 | 0 |
| 30 Jun 18 | 15 | 4 | 7 | 0 |
| 31 Mar 18 | 15 | 4 | 0 | 0 |
| 31 Dec 17 | 15 | 3 | 7 | 0 |
| 30 Sep 17 | 15 | 5 | 7 | 0 |
| 30 Jun 17 | 15 | 5 | 7 | 0 |
| 31 Mar 17 | 15 | 5 | 7 | 0 |
| 31 Dec 16 | 15 | 5 | 7 | 0 |
| 30 Sep 16 | 14 | 4 | 7 | 0 |
| 30 Jun 16 | 14 | 4 | 7 | 0 |
| 31 Mar 16 | 13 | 4 | 7 | 0 |
| 31 Dec 15 | 13 | 3 | 7 | 0 |
| 30 Sep 15 | 12 | 3 | 7 | 0 |
| 30 Jun 15 | 12 | 3 | 7 | 0 |
| 31 Mar 15 | 12 | 3 | 6 | 0 |
| 31 Dec 14 | 11 | 3 | 7 | 0 |
| 30 Sep 14 | 11 | 3 | 6 | 0 |
| 30 Jun 14 | 11 | 3 | 6 | 0 |
| 31 Mar 14 | 11 | 3 | 6 | 0 |
| 31 Dec 13 | 11 | 3 | 6 | 0 |
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.