Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. As of today (2026-06-24), Madison County Financial's Beta is 0.0661.
Madison County Financial (OTCPK:MCBK) Beta Explanation
Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole. We usually compare beta to 1. A beta of 1 indicates that the security's price will move with the market. A beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 indicates that the security's price will be more volatile than the market.
Beta is primarily used in the Capital Asset Pricing Model (CAPM) to calculate the Cost of Equity, which can be used in the calculation of WACC %. The formula of Cost of Equity is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Madison County Financial's Beta, along with its competitors' market caps and Beta data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Madison County Financial Beta vs Banks Industry
For the Banks industry and Financial Services sector, Madison County Financial's Beta distribution charts can be found below:
* The bar in red indicates where Madison County Financial's Beta falls into.
Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. A stock's beta can be calculated by dividing the product of the covariance of the individual stock's returns and the market's returns by the variance of the market's returns over a specified period. Basically, GuruFocus uses the returns calculated over three-year period.
Madison County Financial (MCBK) has a Beta of 0.0661 as of Jun. 24, 2026. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Madison County Financial and its competitors.
Is Madison County Financial's Beta too high?
Madison County Financial's current Beta is 0.0661. Overall, Madison County Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Madison County Financial's Beta compare to BKOR and SLRK?
Madison County Financial's Beta of 0.0661 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beta for a Banks company?
A good Beta depends on the Banks industry context. However, Beta should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beta mean?
A high Beta can signal that a stock is expensive relative to its fundamentals. Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. View historical data for Madison County Financial and its competitors. Madison County Financial's current Beta is 0.0661. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Madison County Financial stock overvalued right now?
Based on GuruFocus' analysis, Madison County Financial (MCBK) is currently considered Fairly Valued. The stock's GF Value™ is $29.90, compared to a current price of $31.50 — trading 5.4% above its estimated fair value. The current Beta is 0.0661. Madison County Financial's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beta calculated?
Beta is calculated from a company's financial statements. For Madison County Financial (MCBK), the current Beta is 0.0661 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Madison County Financial (MCBK) Overvalued in 2026?
Based on GuruFocus' analysis, Madison County Financial stock appears to be overvalued.
The current stock price of $31.50 is trading 5.4% above its estimated GF Value™ of $29.90.
GuruFocus considers Madison County Financial to be Fairly Valued.
Key valuation signals for MCBK:
Beta: 0.0661
GF Value™: $29.90 vs. price of $31.50 (5.4% above fair value)
No single metric tells the full story. See the MCBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Madison County Financial Inc is a bank holding company. The company is engaged in providing a full range of banking and financial services to individuals and corporate customers in the areas surrounding Madison, Nebraska. It is involved in attracting retail deposits from the general public in 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 non-real estate loans and other commercial non-real estate loans; multi-family and commercial real estate loans; and consumer loans.
59GF Score
Get the complete analysis for MCBK
Beta is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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