MCHT Stock Overview

Operates as the bank holding company for Mauch Chunk Trust Company that provides various banking products and services primarily in Carbon County, Pennsylvania. More details

MCHT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	3/6

Rewards

Trading at 80.1% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Profit margins (11.4%) are lower than last year (19.3%)

Does not have a meaningful market cap ($22M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Mauch Chunk Trust Financial Corp. Competitors

First Robinson Financial

OTCPK:FRFC

US$22.2m

CNB

OTCPK:CNBZ

US$21.2m

Victory Bancorp

OTCPK:VTYB

US$21.5m

Pinnacle Bancshares

OTCPK:PCLB

US$25.3m

Price History & Performance

Summary of share price highs, lows and changes for Mauch Chunk Trust Financial
Historical stock prices
Current Share Price	US$6.60
52 Week High	US$8.60
52 Week Low	US$6.25
Beta	0.36
1 Month Change	-4.35%
3 Month Change	-5.71%
1 Year Change	n/a
3 Year Change	-45.68%
5 Year Change	-56.00%
Change since IPO	49.15%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	MCHT	US Banks	US Market
7D	-2.2%	-1.1%	-0.4%
1Y	n/a	29.5%	24.8%

Return vs Industry: Insufficient data to determine how MCHT performed against the US Banks industry.

Return vs Market: Insufficient data to determine how MCHT performed against the US Market.

Price Volatility

Is MCHT's price volatile compared to industry and market?
MCHT volatility
MCHT Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1864	n/a	Pat Reilly	www.mauchchunktrust.com

Mauch Chunk Trust Financial Corp. operates as the bank holding company for Mauch Chunk Trust Company that provides various banking products and services primarily in Carbon County, Pennsylvania. The company accepts various deposit products, including checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also offers residential mortgage, home equity, personal, small business, commercial real estate, and commercial line of credit and term loans; home equity line of credit; and commercial letters of credit, as well as municipal leasing and real estate investing products.

Mauch Chunk Trust Financial Corp. Fundamentals Summary

How do Mauch Chunk Trust Financial's earnings and revenue compare to its market cap?
MCHT fundamental statistics
Market cap	US$22.18m
Earnings (TTM)	US$2.06m
Revenue (TTM)	US$18.03m

10.5x

P/E Ratio

6.3x

P/B Ratio

Is MCHT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MCHT income statement (TTM)
Revenue	US$18.03m
Cost of Revenue	US$0
Gross Profit	US$18.03m
Other Expenses	US$15.97m
Earnings	US$2.06m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.63
Gross Margin	100.00%
Net Profit Margin	11.44%
Debt/Equity Ratio	1,183.1%

How did MCHT perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

55%

Payout Ratio

Does MCHT pay a reliable dividends?

See MCHT dividend history and benchmarks

When do you need to buy MCHT by to receive an upcoming dividend?
Mauch Chunk Trust Financial dividend dates
Ex Dividend Date	Dec 03 2024
Dividend Pay Date	Dec 31 2024
Days until Ex dividend	22 days
Days until Dividend pay date	6 days

Does MCHT pay a reliable dividends?

See MCHT dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 07:38
End of Day Share Price	2024/12/24 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

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 .

Analyst Sources

Mauch Chunk Trust Financial Corp. 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