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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Madison County Financial's 3-Year RORE % for the quarter that ended in Jun. 2026 was 53.26%.
The industry rank for Madison County Financial's 3-Year RORE % or its related term are showing as below:
MCBK's 3-Year RORE % is ranked better than 91.1% of 1461
companies
in the Banks industry
Industry Median: 11.15
vs MCBK: 53.26
Madison County Financial (OTCPK:MCBK) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Madison County Financial 3-Year RORE % Related Terms
Madison County Financial 3-Year RORE % 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.
MCBK vs ORPB, HMLN, BKOR: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Madison County Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Madison County Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Madison County Financial's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 3-year before.
Madison County Financial (MCBK) has a 3-Year RORE % of 53.26 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Madison County Financial and its competitors. According to the industry distribution chart, Madison County Financial ranks #130 out of 1461 companies in the Banks industry, placing it in the top 8.9%.
Is Madison County Financial's 3-Year RORE % too high?
Madison County Financial's current 3-Year RORE % is 53.26. The Banks industry median 3-Year RORE % is 11.15. Madison County Financial's value of 53.26 is 377.7% above this industry median. Based on the distribution chart, Madison County Financial ranks #130 out of 1461 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year RORE % compare to ORPB and HMLN?
According to the Banks industry distribution chart, Madison County Financial ranks #130 out of 1461 companies for 3-Year RORE %. This places Madison County Financial in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.15. Madison County Financial's value of 53.26 is 377.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.15, based on 1,461 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Madison County Financial's current 3-Year RORE % of 53.26 is 377.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Madison County Financial and its competitors. For the Banks industry, the median 3-Year RORE % is 11.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Madison County Financial's current 3-Year RORE % is 53.26. 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 $32.83, compared to a current price of $33.35 — trading 1.6% above its estimated fair value. The current 3-Year RORE % is 53.26 and 377.7% above the Banks industry median of 11.15. Madison County Financial's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Madison County Financial (MCBK), the current 3-Year RORE % is 53.26 as of Jun. 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 $33.35 is trading 1.6% above its estimated GF Value™ of $32.83.
GuruFocus considers Madison County Financial to be Fairly Valued.
Key valuation signals for MCBK:
3-Year RORE %: 53.26
GF Value™: $32.83 vs. price of $33.35 (1.6% above fair value)
Industry Position: 377.7% above the Banks median (#130 of 1461)
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
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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