Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
17 (1y: +14%)
Market Cap 55.6 M P/E(ttm) 65.20
Enterprise Value 61.46 M P/B 0.90
MCBK- NAS (USA)
Madison County Financial Inc
Not Rated
Top Ranked Predictable Companies
$17.00
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

vs
industry		 vs
history
Cash to Debt 1.495
MCBK's Cash to Debt is ranked lower than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. MCBK: 1.495 )
MCBK' s 10-Year Cash to Debt Range
Min: 0.09   Max: 1.5
Current: 1.5
0.09
1.5
Equity to Asset 0.227
MCBK's Equity to Asset is ranked lower than
111% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MCBK: 0.227 )
MCBK' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.23
Current: 0.23
0.11
0.23
Interest Coverage No Debt
MCBK's Interest Coverage is ranked lower than
111% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MCBK: No Debt )
MCBK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.56
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

vs
industry		 vs
history
Operating margin (%) 42.80
MCBK's Operating margin (%) is ranked lower than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. MCBK: 42.80 )
MCBK' s 10-Year Operating margin (%) Range
Min: 41.8   Max: 44.6
Current: 42.8
41.8
44.6
Net-margin (%) 30.6
MCBK's Net-margin (%) is ranked lower than
113% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MCBK: 30.6 )
MCBK' s 10-Year Net-margin (%) Range
Min: 29.8   Max: 31.5
Current: 30.6
29.8
31.5
ROE (%) 5.8
MCBK's ROE (%) is ranked lower than
105% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MCBK: 5.8 )
MCBK' s 10-Year ROE (%) Range
Min: 5.8   Max: 11.4
Current: 5.8
5.8
11.4
ROA (%) 1.4
MCBK's ROA (%) is ranked lower than
104% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MCBK: 1.4 )
MCBK' s 10-Year ROA (%) Range
Min: 1.3   Max: 1.4
Current: 1.4
1.3
1.4
ยป MCBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with MCBK



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 65.20
MCBK's P/E(ttm) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. MCBK: 65.20 )
MCBK' s 10-Year P/E(ttm) Range
Min: 60.96   Max: 65.2
Current: 65.2
60.96
65.2
P/B 0.90
MCBK's P/B is ranked lower than
103% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MCBK: 0.90 )
MCBK' s 10-Year P/B Range
Min: 0.74   Max: 0.9
Current: 0.9
0.74
0.9
P/S 17.30
MCBK's P/S is ranked lower than
105% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MCBK: 17.30 )
MCBK' s 10-Year P/S Range
Min: 16.17   Max: 17.3
Current: 17.3
16.17
17.3
PFCF 17.30
MCBK's PFCF is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MCBK: 17.30 )
MCBK' s 10-Year PFCF Range
Min: 16.17   Max: 17.3
Current: 17.3
16.17
17.3
EV-to-EBIT 13.7
MCBK's EV-to-EBIT is ranked higher than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. MCBK: 13.7 )
MCBK' s 10-Year EV-to-EBIT Range
Min: 1.7   Max: 2.4
Current: 13.7
1.7
2.4

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.70
MCBK's Dividend Yield is ranked lower than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. MCBK: 1.70 )
MCBK' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 1.7
Yield on cost (5-Year) 1.70
MCBK's Yield on cost (5-Year) is ranked lower than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. MCBK: 1.70 )
MCBK' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 1.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
MCBK's Price/Tangible Book is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MCBK: 0.9 )
MCBK' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 0.2
Current: 0.9
Price/Median PS Value 1.1
MCBK's Price/Median PS Value is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MCBK: 1.1 )
MCBK' s 10-Year Price/Median PS Value Range
Min: 0   Max: 0
Current: 1.1
Price/Graham Number 0.2
MCBK's Price/Graham Number is ranked lower than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MCBK: 0.2 )
MCBK' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 0.2
Current: 0.2
Earnings Yield (Greenblatt) 7.30
MCBK's Earnings Yield (Greenblatt) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MCBK: 7.30 )
MCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.3   Max: 58.3
Current: 7.3
7.3
58.3

Business Description

Madison County Financial Inc is a Maryland Corporation. It is a federally chartered savings bank. It operates as holding company for Madison County Bank. The Company provides financial services to individuals, families and businesses through its six banking offices located in the Nebraska counties of Cedar, Boone, Knox, Madison and Pierce. The Company's principal business consists of attracting retail deposits from the general public in its market area and investing those deposits, together with funds generated from operations, and to a lesser extent, borrowings, in agricultural real estate loans, one- to four-family residential real estate loans, agricultural and commercial non-real estate loans, commercial and multi-family real estate loans, and, to a lesser extent, consumer loans. The Company also purchases investment securities consisting primarily of securities issued by the United States Treasury and government sponsored entities and municipalities, including counties, cities, school districts and other political subdivisions in Nebraska and South Dakota. The Company's market area which is located in northeast Nebraska is primarily rural in nature with the economy supported by agriculture (primarily corn, soybeans and livestock production), and to a lesser extent manufacturing (including steel production and fabrication), meat packing activity, healthcare, and education. Norfolk, Nebraska, which is approximately 15 miles from its headquarters in Madison, Nebraska, is the regional economic hub and predominant location for medical, financial and retail services for northeast Nebraska. The Company's current business strategy is to operate as a well-capitalized and profitable community bank dedicated to serving the needs of its consumer and business customers by offering a broad range of products and services while emphasizing personalized and efficient customer service. Madison County Bank is supervised and examined by the Office of the Comptroller of the Currency and is subject to examination by the Federal Deposit Insurance Corporation.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:
ยป More Articles for MCBK

Headlines

Articles On GuruFocus.com

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial