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Madison County FinancialMCBK 63 PEG Ratio is 1.30 as of Jul. 29, 2026, which is 47% below its 10-year median of 2.47. GuruFocus rates MCBK with a GF Score™ of 63/100 and a GF Value™ of $29.97 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,231 Banks companies, Madison County Financial ranks better than 56.54% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Madison County Financial's PEG Ratio or its related term are showing as below:
MCBK'
s PEG Ratio Range Over the Past 10 Years
Min: 0.56 Med: 2.47 Max: 4.22
Current: 1.31
During the past 13 years, Madison County Financial's highest PEG Ratio was 4.22. The lowest was 0.56. And the median was 2.47.
MCBK's PEG Ratio is ranked better than 56.54% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs MCBK: 1.31
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Madison County Financial (OTCPK:MCBK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Madison County Financial PEG Ratio Related Terms
Madison County Financial PEG Ratio Historical Data
* 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Madison County Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Madison County Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Madison County Financial (MCBK) has a PEG Ratio of 1.30 as of Jul. 29, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Madison County Financial and its competitors. This is 47% below median its historical median of 2.47. Over the past decade, Madison County Financial's PEG Ratio has ranged from 0.56 to 4.22. According to the industry distribution chart, Madison County Financial ranks #535 out of 1231 companies in the Banks industry, placing it in the top 43.5%.
Is Madison County Financial's PEG Ratio too high?
Madison County Financial's current PEG Ratio of 1.30 is 47% below median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 4.22. The Banks industry median PEG Ratio is 1.56. Madison County Financial's value of 1.30 is 16.7% below this industry median. Based on the distribution chart, Madison County Financial ranks #535 out of 1231 companies in the Banks industry, which is above the industry midpoint. Overall, Madison County Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Madison County Financial's PEG Ratio compare to SLRK and BKOR?
According to the Banks industry distribution chart, Madison County Financial ranks #535 out of 1231 companies for PEG Ratio. This puts Madison County Financial in the upper half of its industry. The industry median PEG Ratio is 1.56. Madison County Financial's value of 1.30 is 16.7% below this benchmark. Historically, Madison County Financial's own PEG Ratio has ranged from 0.56 to 4.22 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 1.56, Madison County Financial has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Madison County Financial's current PEG Ratio of 1.30 is 16.7% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Madison County Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Madison County Financial's current PEG Ratio is 1.30, which is 47% below median its own 10-year median of 2.47. 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 $29.97, compared to a current price of $32.30 — trading 7.8% above its estimated fair value. The current PEG Ratio is 1.30, which is 47% below median its 10-year median of 2.47 and 16.7% below the Banks industry median of 1.56. Madison County Financial's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Madison County Financial (MCBK), the current PEG Ratio is 1.30 as of Jul. 29, 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 $32.30 is trading 7.8% above its estimated GF Value™ of $29.97.
GuruFocus considers Madison County Financial to be Fairly Valued.
Key valuation signals for MCBK:
PEG Ratio: 1.30 (47% below median its 10-year median of 2.47)
GF Value™: $29.97 vs. price of $32.30 (7.8% above fair value)
Industry Position: 16.7% below the Banks median (#535 of 1231)
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.
63GF Score
Get the complete analysis for MCBK
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