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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.11
MCBK's Cash to Debt is ranked lower than
92% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. MCBK: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
MCBK' s 10-Year Cash to Debt Range
Min: 0.11  Med: 1.20 Max: N/A
Current: 0.11
Equity to Asset 0.20
MCBK's Equity to Asset is ranked higher than
91% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MCBK: 0.20 )
Ranked among companies with meaningful Equity to Asset only.
MCBK' s 10-Year Equity to Asset Range
Min: 0.13  Med: 0.21 Max: 0.23
Current: 0.2
0.13
0.23
Interest Coverage 2.20
MCBK's Interest Coverage is ranked higher than
59% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MCBK: 2.20 )
Ranked among companies with meaningful Interest Coverage only.
MCBK' s 10-Year Interest Coverage Range
Min: 1.28  Med: 2.20 Max: 2.73
Current: 2.2
1.28
2.73
F-Score: 6
WACC vs ROIC
4.64%
3.93%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 32.55
MCBK's Operating margin (%) is ranked higher than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. MCBK: 32.55 )
Ranked among companies with meaningful Operating margin (%) only.
MCBK' s 10-Year Operating margin (%) Range
Min: 31.21  Med: 41.78 Max: 44.62
Current: 32.55
31.21
44.62
Net-margin (%) 24.39
MCBK's Net-margin (%) is ranked higher than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. MCBK: 24.39 )
Ranked among companies with meaningful Net-margin (%) only.
MCBK' s 10-Year Net-margin (%) Range
Min: 23.57  Med: 29.80 Max: 31.53
Current: 24.39
23.57
31.53
ROE (%) 4.97
MCBK's ROE (%) is ranked lower than
74% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. MCBK: 4.97 )
Ranked among companies with meaningful ROE (%) only.
MCBK' s 10-Year ROE (%) Range
Min: 4.67  Med: 6.38 Max: 12.17
Current: 4.97
4.67
12.17
ROA (%) 1.05
MCBK's ROA (%) is ranked higher than
63% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MCBK: 1.05 )
Ranked among companies with meaningful ROA (%) only.
MCBK' s 10-Year ROA (%) Range
Min: 0.98  Med: 1.26 Max: 1.51
Current: 1.05
0.98
1.51
» MCBK's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 17.93
MCBK's P/E(ttm) is ranked lower than
72% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. MCBK: 17.93 )
Ranked among companies with meaningful P/E(ttm) only.
MCBK' s 10-Year P/E(ttm) Range
Min: 16.39  Med: 18.81 Max: 375
Current: 17.93
16.39
375
PE(NRI) 17.10
MCBK's PE(NRI) is ranked lower than
71% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. MCBK: 17.10 )
Ranked among companies with meaningful PE(NRI) only.
MCBK' s 10-Year PE(NRI) Range
Min: 16.35  Med: 18.75 Max: 360
Current: 17.1
16.35
360
P/B 0.95
MCBK's P/B is ranked higher than
62% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. MCBK: 0.95 )
Ranked among companies with meaningful P/B only.
MCBK' s 10-Year P/B Range
Min: 0.75  Med: 0.91 Max: 1.09
Current: 0.95
0.75
1.09
P/S 4.11
MCBK's P/S is ranked lower than
73% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. MCBK: 4.11 )
Ranked among companies with meaningful P/S only.
MCBK' s 10-Year P/S Range
Min: 2.47  Med: 4.22 Max: 4.85
Current: 4.11
2.47
4.85
PFCF 11.75
MCBK's PFCF is ranked lower than
55% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. MCBK: 11.75 )
Ranked among companies with meaningful PFCF only.
MCBK' s 10-Year PFCF Range
Min: 5.35  Med: 11.23 Max: 16.89
Current: 11.75
5.35
16.89
POCF 11.69
MCBK's POCF is ranked lower than
62% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. MCBK: 11.69 )
Ranked among companies with meaningful POCF only.
MCBK' s 10-Year POCF Range
Min: 5.28  Med: 10.88 Max: 16.29
Current: 11.69
5.28
16.29
EV-to-EBIT 20.00
MCBK's EV-to-EBIT is ranked lower than
70% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. MCBK: 20.00 )
Ranked among companies with meaningful EV-to-EBIT only.
MCBK' s 10-Year EV-to-EBIT Range
Min: 1.6  Med: 15.50 Max: 24
Current: 20
1.6
24
Days Sales Outstanding 97.99
MCBK's Days Sales Outstanding is ranked lower than
76% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. MCBK: 97.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
MCBK' s 10-Year Days Sales Outstanding Range
Min: 117.74  Med: 123.45 Max: 138.18
Current: 97.99
117.74
138.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.24
MCBK's Dividend Yield is ranked lower than
83% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. MCBK: 1.24 )
Ranked among companies with meaningful Dividend Yield only.
MCBK' s 10-Year Dividend Yield Range
Min: 1.04  Med: 1.32 Max: 1.66
Current: 1.24
1.04
1.66
Dividend Payout 0.22
MCBK's Dividend Payout is ranked higher than
70% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MCBK: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
MCBK' s 10-Year Dividend Payout Range
Min: 0.86  Med: 0.86 Max: 1.12
Current: 0.22
0.86
1.12
Yield on cost (5-Year) 1.24
MCBK's Yield on cost (5-Year) is ranked lower than
83% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. MCBK: 1.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.04  Med: 1.32 Max: 1.66
Current: 1.24
1.04
1.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
MCBK's Price/Tangible Book is ranked higher than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. MCBK: 0.97 )
Ranked among companies with meaningful Price/Tangible Book only.
MCBK' s 10-Year Price/Tangible Book Range
Min: 0.83  Med: 0.92 Max: 1.1
Current: 0.97
0.83
1.1
Price/Median PS Value 0.97
MCBK's Price/Median PS Value is ranked higher than
67% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. MCBK: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
MCBK' s 10-Year Price/Median PS Value Range
Min: 0.6  Med: 0.99 Max: 1.13
Current: 0.97
0.6
1.13
Price/Graham Number 0.90
MCBK's Price/Graham Number is ranked lower than
55% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. MCBK: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
MCBK' s 10-Year Price/Graham Number Range
Min: 0.74  Med: 0.89 Max: 1.02
Current: 0.9
0.74
1.02
Earnings Yield (Greenblatt) (%) 4.98
MCBK's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. MCBK: 4.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MCBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.2  Med: 6.50 Max: 62.8
Current: 4.98
4.2
62.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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.

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