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Madison County FinancialMCBK 63 PE Ratio without NRI is 11.88 as of Jul. 28, 2026, which is 16% below its 10-year median of 14.15. 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 1,451 Banks companies, Madison County Financial ranks worse than 53.41% on this metric.
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-07-28), Madison County Financial's share price is $32.30.
Madison County Financial's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $2.72. Therefore, Madison County Financial's PE Ratio without NRI for today is 11.88.
During the past 13 years, Madison County Financial's highest PE Ratio without NRI was 81.14. The lowest was 10.12. And the median was 14.15.
Madison County Financial (OTCPK:MCBK) PE Ratio without NRI Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
Madison County Financial PE Ratio without NRI Related Terms
Madison County Financial PE Ratio without NRI Historical Data
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The historical data trend for Madison County Financial's PE Ratio without NRI 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.
Madison County Financial PE Ratio without NRI Chart
MCBK vs SLRK, BKOR, ORPB: PE Ratio without NRI Comparison
For the Banks - Regional subindustry, Madison County Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Madison County Financial's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Madison County Financial's PE Ratio without NRI falls into.
Madison County Financial PE Ratio without NRI Calculation
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.
Madison County Financial's Share Price of today is $32.30.
Madison County Financial's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.72.
* 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.
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.
For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Madison County Financial (MCBK) has a PE Ratio without NRI of 11.88 as of Jul. 28, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Madison County Financial and its competitors. This is 16% below median its historical median of 14.15. Over the past decade, Madison County Financial's PE Ratio without NRI has ranged from 10.12 to 81.14. According to the industry distribution chart, Madison County Financial ranks #775 out of 1451 companies in the Banks industry, placing it in the top 53.4%.
Is Madison County Financial's PE Ratio without NRI too high?
Madison County Financial's current PE Ratio without NRI of 11.88 is 16% below median its 10-year median of 14.15. Over the past 10 years, this metric has ranged from a low of 10.12 to a high of 81.14. The Banks industry median PE Ratio without NRI is 11.57. Madison County Financial's value of 11.88 is 2.7% above this industry median. Based on the distribution chart, Madison County Financial ranks #775 out of 1451 companies in the Banks industry, which is below 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 PE Ratio without NRI compare to SLRK and BKOR?
According to the Banks industry distribution chart, Madison County Financial ranks #775 out of 1451 companies for PE Ratio without NRI. This places Madison County Financial in the lower half of its industry. The industry median PE Ratio without NRI is 11.57. Madison County Financial's value of 11.88 is 2.7% above this benchmark. Historically, Madison County Financial's own PE Ratio without NRI has ranged from 10.12 to 81.14 over the past decade. While the company's 10-year median is 14.15 vs. the industry median of 11.57, Madison County Financial has consistently been above 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.57, based on 1,451 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Madison County Financial's current PE Ratio without NRI of 11.88 is 2.7% above 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Madison County Financial and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Madison County Financial's current PE Ratio without NRI is 11.88, which is 16% below median its own 10-year median of 14.15. 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 PE Ratio without NRI is 11.88, which is 16% below median its 10-year median of 14.15 and 2.7% above the Banks industry median of 11.57. 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 PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Madison County Financial (MCBK), the current PE Ratio without NRI is 11.88 as of Jul. 28, 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:
PE Ratio without NRI: 11.88 (16% below median its 10-year median of 14.15)
GF Value™: $29.97 vs. price of $32.30 (7.8% above fair value)
Industry Position: 2.7% above the Banks median (#775 of 1451)
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
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