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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.20
MCBK's Cash to Debt is ranked higher than
72% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. MCBK: 1.20 )
MCBK' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 1.2

Equity to Asset 0.21
MCBK's Equity to Asset is ranked higher than
96% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MCBK: 0.21 )
MCBK' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.23
Current: 0.21

0.13
0.23
Interest Coverage 2.37
MCBK's Interest Coverage is ranked higher than
79% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MCBK: 2.37 )
MCBK' s 10-Year Interest Coverage Range
Min: 1.28   Max: 2.73
Current: 2.37

1.28
2.73
F-Score: 4
Z-Score: 0.39
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 (%) 34.60
MCBK's Operating margin (%) is ranked higher than
81% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. MCBK: 34.60 )
MCBK' s 10-Year Operating margin (%) Range
Min: 34.6   Max: 44.62
Current: 34.6

34.6
44.62
Net-margin (%) 25.58
MCBK's Net-margin (%) is ranked higher than
82% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. MCBK: 25.58 )
MCBK' s 10-Year Net-margin (%) Range
Min: 25.58   Max: 31.53
Current: 25.58

25.58
31.53
ROE (%) 4.92
MCBK's ROE (%) is ranked higher than
61% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. MCBK: 4.92 )
MCBK' s 10-Year ROE (%) Range
Min: 4.92   Max: 11.45
Current: 4.92

4.92
11.45
ROA (%) 1.04
MCBK's ROA (%) is ranked higher than
84% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. MCBK: 1.04 )
MCBK' s 10-Year ROA (%) Range
Min: 1.04   Max: 1.45
Current: 1.04

1.04
1.45
ROC (Joel Greenblatt) (%) 185.68
MCBK's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. MCBK: 185.68 )
MCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 151.89   Max: 223.04
Current: 185.68

151.89
223.04
» 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) 19.30
MCBK's P/E(ttm) is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. MCBK: 19.30 )
MCBK' s 10-Year P/E(ttm) Range
Min: 16.39   Max: 81.68
Current: 19.3

16.39
81.68
P/B 0.90
MCBK's P/B is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. MCBK: 0.90 )
MCBK' s 10-Year P/B Range
Min: 0.75   Max: 0.94
Current: 0.9

0.75
0.94
P/S 4.50
MCBK's P/S is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. MCBK: 4.50 )
MCBK' s 10-Year P/S Range
Min: 2.47   Max: 4.5
Current: 4.5

2.47
4.5
PFCF 11.10
MCBK's PFCF is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. MCBK: 11.10 )
MCBK' s 10-Year PFCF Range
Min: 5.39   Max: 11.56
Current: 11.1

5.39
11.56
EV-to-EBIT 15.02
MCBK's EV-to-EBIT is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. MCBK: 15.02 )
MCBK' s 10-Year EV-to-EBIT Range
Min: 1.6   Max: 16
Current: 15.02

1.6
16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
MCBK's Dividend Yield is ranked lower than
74% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. MCBK: 1.30 )
MCBK' s 10-Year Dividend Yield Range
Min: 1.52   Max: 1.66
Current: 1.3

1.52
1.66
Dividend Payout 0.29
MCBK's Dividend Payout is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MCBK: 0.29 )
MCBK' s 10-Year Dividend Payout Range
Min: 1.12   Max: 1.12
Current: 0.29

Yield on cost (5-Year) 1.30
MCBK's Yield on cost (5-Year) is ranked lower than
73% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. MCBK: 1.30 )
MCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.52   Max: 1.66
Current: 1.3

1.52
1.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
MCBK's Price/Tangible Book is ranked higher than
86% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. MCBK: 0.90 )
MCBK' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 0.92
Current: 0.9

0.83
0.92
Price/Median PS Value 1.40
MCBK's Price/Median PS Value is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. MCBK: 1.40 )
MCBK' s 10-Year Price/Median PS Value Range
Min: 0.78   Max: 1.37
Current: 1.4

0.78
1.37
Price/Graham Number 0.90
MCBK's Price/Graham Number is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. MCBK: 0.90 )
MCBK' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 0.9
Current: 0.9

0.74
0.9
Earnings Yield (Greenblatt) 6.70
MCBK's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MCBK: 6.70 )
MCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 62.8
Current: 6.7

6.3
62.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Madison County Financial Inc was incorporated in Maryland in 2012. 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 mainly 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 is primarily rural in nature with the economy supported by agriculture (mainly corn, soybeans and livestock production), manufacturing (including steel production and fabrication), meat packing, 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 faces competition within its market area both in making loans and attracting deposits. The 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.

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