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MCNB BanksMKIN +1.50%49 Debt-to-Equity is 0.58 as of Dec. 2025, which is 100% above its 10-year median of 0.29. GuruFocus rates MKIN with a GF Score™ of 49/100 and a GF Value™ of $19.49 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,414 Banks companies, MCNB Banks ranks better than 50.21% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for MCNB Banks's Debt-to-Equity or its related term are showing as below:
MKIN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16 Med: 0.29 Max: 0.59
Current: 0.58
During the past 10 years, the highest Debt-to-Equity Ratio of MCNB Banks was 0.59. The lowest was 0.16. And the median was 0.29.
MKIN's Debt-to-Equity is ranked better than 50.21% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs MKIN: 0.58
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
MCNB Banks Debt-to-Equity Related Terms
MCNB Banks Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for MCNB Banks's Debt-to-Equity can be seen below:
* 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.
MKIN vs BCCB, FLEW, TDCB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, MCNB Banks's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
MCNB Banks Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MCNB Banks's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where MCNB Banks's Debt-to-Equity falls into.
* 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.
MCNB Banks (MKIN) has a Debt-to-Equity of 0.58 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MCNB Banks and its competitors. This is 100% above median its historical median of 0.29. Over the past decade, MCNB Banks' Debt-to-Equity has ranged from 0.16 to 0.59. According to the industry distribution chart, MCNB Banks ranks #704 out of 1414 companies in the Banks industry, placing it in the top 49.8%.
Is MCNB Banks' Debt-to-Equity too high?
MCNB Banks' current Debt-to-Equity of 0.58 is 100% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.59. The Banks industry median Debt-to-Equity is 0.58. MCNB Banks' value of 0.58 is 0% at this industry median. Based on the distribution chart, MCNB Banks ranks #704 out of 1414 companies in the Banks industry, which is above the industry midpoint. Overall, MCNB Banks has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MCNB Banks' Debt-to-Equity compare to BCCB and FLEW?
According to the Banks industry distribution chart, MCNB Banks ranks #704 out of 1414 companies for Debt-to-Equity. This puts MCNB Banks in the upper half of its industry. The industry median Debt-to-Equity is 0.58. MCNB Banks' value of 0.58 is 0% at this benchmark. Historically, MCNB Banks' own Debt-to-Equity has ranged from 0.16 to 0.59 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.58, MCNB Banks has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MCNB Banks's current Debt-to-Equity of 0.58 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MCNB Banks and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MCNB Banks's current Debt-to-Equity is 0.58, which is 100% above median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCNB Banks stock overvalued right now?
Based on GuruFocus' analysis, MCNB Banks (MKIN) is currently considered Fairly Valued. The stock's GF Value™ is $19.49, compared to a current price of $20.30 — trading 4.2% above its estimated fair value. The current Debt-to-Equity is 0.58, which is 100% above median its 10-year median of 0.29 and 0% at the Banks industry median of 0.58. MCNB Banks' overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For MCNB Banks (MKIN), the current Debt-to-Equity is 0.58 as of Dec. 2025. 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 MCNB Banks (MKIN) Overvalued in 2026?
Based on GuruFocus' analysis, MCNB Banks stock appears to be overvalued.
The current stock price of $20.30 is trading 4.2% above its estimated GF Value™ of $19.49.
GuruFocus considers MCNB Banks to be Fairly Valued.
Key valuation signals for MKIN:
Debt-to-Equity: 0.58 (100% above median its 10-year median of 0.29)
GF Value™: $19.49 vs. price of $20.30 (4.2% above fair value)
Industry Position: 0% at the Banks median (#704 of 1414)
No single metric tells the full story. See the MKIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MCNB Banks Inc provides personal banking, business banking, loans, trust & financial services. It provides retail and commercial loan and deposit services, along with trust services, principally to individuals and small businesses. It also offers trust and financial services, comprising investment portfolio management, custodian, estate planning and administration, retirement, trust, financial planning, and online account access services. Company loan segment includes: Residential real estate loan, Commercial real estate loans, Commercial loan, Consumer and other loans.
49GF Score
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