Switch to:

GuruFocus Financial Strength Rank measures how strong a company’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 : 4/10

vs
industry
vs
history
Interest Coverage 2.50
MCBK's Interest Coverage is ranked lower than
99.99% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MCBK: 2.50 )
Ranked among companies with meaningful Interest Coverage only.
MCBK' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.5
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 3/10

vs
industry
vs
history
» MCBK's 10-Y Financials

Financials (Next Earnings Date: 0)


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

» Details

Insider Trades

Latest Guru Trades with MCBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:VABK, NAS:SBFG, NAS:BYBK, NAS:ASRV, NAS:CWAY, NAS:MGYR, OTCPK:PBAM, OTCPK:JFBC, ARCA:SFBC, OTCPK:NWYF, NAS:WBKC, OTCPK:FABK, OTCPK:FFHD, OTCPK:CNAF, OTCPK:PUGB, OTCPK:CMOH, OTCPK:FDVA, OTCPK:EMPK, NAS:FBSS, NAS:BOTJ » details
Madison County Financial Inc provides financial services to individuals, families & businesses. It offers deposit accounts, including non-interest-bearing & interest-bearing checking accounts, money market savings accounts & certificates of deposit.

Madison County Financial Inc was incorporated in Maryland in 2012. The Company is a federally chartered savings bank. It 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. Its 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 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 much lesser extent, consumer loans. The Company's lending activity is originating agricultural real estate loans, one- to four-family residential real estate loans, agricultural and commercial non-real estate loans and commercial and multi-family real estate loans. It offers a selection of deposit accounts, including non-interest-bearing and interest-bearing checking accounts, money market savings accounts and certificates of deposit. The Company's portfolio segments are; agricultural real estate, agricultural and commercial non-real estate, commercial and multi-family real estate, and residential real estate and consumer. Agricultural real estate loans are comprised of loans for the purchase of farmland. Agricultural non-real estate loans are generally comprised of seasonal operating lines to cash grain farmers to plant and harvest corn and soybeans and term loans to fund the purchase of equipment. Commercial non-real estate loans are based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. Commercial and multi-family real estate lending typically involves loan amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Residential real estate and consumer loans consist of two segments; residential mortgage loans and personal loans. The Company competes with Farm Credit Services of America, a division of the Federal Farm Credit System, a Government-sponsored enterprise, as well as Metropolitan Life Insurance Company.

Ratios

vs
industry
vs
history

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
MCBK's Dividend Yield is ranked lower than
80% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. MCBK: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
MCBK' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.49
Current: 1.49
0
1.49
Dividend Payout 0.21
MCBK's Dividend Payout is ranked higher than
73% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MCBK: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
MCBK' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.21
Current: 0.21
0
0.21
Forward Dividend Yield 1.49
MCBK's Forward Dividend Yield is ranked lower than
85% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. MCBK: 1.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.49
MCBK's Yield on cost (5-Year) is ranked lower than
81% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. MCBK: 1.49 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MCBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.49

Valuation & Return

vs
industry
vs
history

More Statistics

Revenue (TTM) (Mil) $13.55
EPS (TTM) $ 1.19
Beta0.02
Short Percentage of Float0.08%
52-Week Range $18.25 - 21.99
Shares Outstanding (Mil)3.14

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)