MKIN (MCNB Banks) GF Value Rank: 9 (As of Jul. 31, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MKIN MCNB Banks Inc MKIN
50 GF Score
Price $19.90
GF Value $19.49
Valuation Fairly Valued
! 6 Warning Signs
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What is MCNB Banks GF Value Rank?

MCNB Banks MKIN 50 GF Value Rank is 9 as of Jul. 31, 2026, which is at its 10-year median of 9.00. GuruFocus rates MKIN with a GF Score™ of 50/100 and a GF Value™ of $19.49 (Fairly Valued). The stock has 6 warning signs investors should review.

MCNB Banks has the GF Value Rank of 9.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

MKIN vs BCCB, FLEW, TDCB: GF Value Rank Comparison

For the Banks - Regional subindustry, MCNB Banks's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, MCNB Banks's GF Value Rank distribution charts can be found below:

* The bar in red indicates where MCNB Banks's GF Value Rank falls into.


MKIN
50GF Score
MCNB Banks Inc MKIN
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 9 mean?
MCNB Banks (MKIN) has a GF Value Rank of 9 as of Jul. 31, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on MCNB Banks and its competitors. This is near median its historical median of 9.00. Over the past decade, MCNB Banks' GF Value Rank has ranged from 6.00 to 10.00.
Is MCNB Banks' GF Value Rank too high?
MCNB Banks' current GF Value Rank of 9 is near median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 10.00. Overall, MCNB Banks has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MCNB Banks' GF Value Rank compare to BCCB and FLEW?
MCNB Banks' GF Value Rank of 9 can be compared against companies in the Banks industry. Historically, MCNB Banks' own GF Value Rank has ranged from 6.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on MCNB Banks and its competitors. MCNB Banks's current GF Value Rank is 9, which is near median its own 10-year median of 9.00. 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 $19.90 — trading 2.1% above its estimated fair value. The current GF Value Rank is 9, which is near median its 10-year median of 9.00. MCNB Banks' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For MCNB Banks (MKIN), the current GF Value Rank is 9 as of Jul. 31, 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 MCNB Banks (MKIN) Overvalued in 2026?

Based on GuruFocus' analysis, MCNB Banks stock appears to be overvalued. The current stock price of $19.90 is trading 2.1% above its estimated GF Value™ of $19.49. GuruFocus considers MCNB Banks to be Fairly Valued.

Key valuation signals for MKIN:

  • GF Value Rank: 9 (near median its 10-year median of 9.00)
  • GF Value™: $19.49 vs. price of $19.90 (2.1% above fair value)
  • GF Score™: 50/100 with 6 warning signs

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 Business Description

Address 75 Wyoming Street, P.O. Box 549, Welch, WY, USA, 24801
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.
50GF Score

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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.90
Price
$19.49
GF Value