MCBK (Madison County Financial) Scaled Net Operating Assets: 0.16 (As of Mar. 2026)

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MCBK Madison County Financial Inc MCBK
63 GF Score
Price $32.30
GF Value $29.97
Valuation Fairly Valued
! 2 Warning Signs
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What is Madison County Financial Scaled Net Operating Assets?

Madison County Financial MCBK 63 Scaled Net Operating Assets is 0.16 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Madison County Financial's operating assets for the quarter that ended in Mar. 2026 was $603.72 Mil. Madison County Financial's operating liabilities for the quarter that ended in Mar. 2026 was $501.10 Mil. Madison County Financial's Total Assets for the quarter that ended in Dec. 2025 was $626.44 Mil. Therefore, Madison County Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.16.

MCBK
63GF Score
Madison County Financial Inc MCBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Madison County Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Madison County Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(626.435-525.754)/622.248
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=626.435 - 0
=626.435

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=525.754 - 0 - 0
=525.754

Madison County Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(603.72-501.102)/626.435
=0.16

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=603.72 - 0
=603.72

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=501.102 - 0 - 0
=501.102

* 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.

What does a Scaled Net Operating Assets of 0.16 mean?
Madison County Financial (MCBK) has a Scaled Net Operating Assets of 0.16 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Madison County Financial and its competitors.
Is Madison County Financial's Scaled Net Operating Assets too high?
Madison County Financial's current Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets compare to SLRK and BKOR?
Madison County Financial's Scaled Net Operating Assets of 0.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Madison County Financial and its competitors. Madison County Financial's current Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets is 0.16. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Madison County Financial (MCBK), the current Scaled Net Operating Assets is 0.16 as of Mar. 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:

  • Scaled Net Operating Assets: 0.16
  • GF Value™: $29.97 vs. price of $32.30 (7.8% above fair value)
  • GF Score™: 63/100 with 2 warning signs

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 Business Description

Address 111 West Third Street, PO Box 650, Madison, NE, USA, 68748
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.30
Price
$29.97
GF Value