Mauch Chunk Trust FinancialMCHT 53 WACC % is 27.23% as of Jun. 29, 2026, which is 352% above its 10-year median of 6.03. GuruFocus rates MCHT with a GF Score™ of 53/100 and a GF Value™ of $6.76 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,546 Banks companies, Mauch Chunk Trust Financial ranks worse than 89% on this metric.
As of today (2026-06-29), Mauch Chunk Trust Financial's weighted average cost of capital is 27.23%%. Mauch Chunk Trust Financial's ROIC % is 0.00% (calculated using TTM income statement data).
Mauch Chunk Trust Financial earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Mauch Chunk Trust Financial's weighted average cost of capital is 27.23%%. Mauch Chunk Trust Financial's ROIC % is 0.00% (calculated using TTM income statement data).
Mauch Chunk Trust Financial earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest annual Interest Expense divided by the latest one-year annual average debt to get the simplified cost of debt.
Related Terms
Mauch Chunk Trust Financial WACC % 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, Mauch Chunk Trust Financial's WACC %, along with its competitors' market caps and WACC % 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.
Mauch Chunk Trust Financial WACC % vs Banks Industry
For the Banks industry and Financial Services sector, Mauch Chunk Trust Financial's WACC % distribution charts can be found below:
* The bar in red indicates where Mauch Chunk Trust Financial's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Mauch Chunk Trust Financial's market capitalization (E) is $22.436 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Dec. 2025, Mauch Chunk Trust Financial's latest one-year annual average Book Value of Debt (D) is $27.5 Mil.
a) weight of equity = E / (E + D) = 22.436 / (22.436 + 27.5) = 0.4493
b) weight of debt = D / (E + D) = 27.5 / (22.436 + 27.5) = 0.5507
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 4.378%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Mauch Chunk Trust Financial's beta is 0.2126.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 4.378% + 0.2126 * 6% = 5.6536%
3. Cost of Debt:
GuruFocus uses latest annual Interest Expense divided by the latest one-year annual average debt to get the simplified cost of debt.
As of Dec. 2025, Mauch Chunk Trust Financial's interest expense (positive number) was $12.329 Mil. Its total Book Value of Debt (D) is $27.5 Mil.
Cost of Debt = 12.329 / 27.5 = 44.8327%.
4. Multiply by one minus annual Tax Rate:
GuruFocus uses the most recent annual Tax Expense divided by the most recent annual Pre-Tax Income to calculate the tax rate. The calculated annual tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated annual Tax Rate = -0.1 / 1.18 = -8.47%, which is less than 0%. Therefore it's set to 0%.
* 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.
Mauch Chunk Trust Financial (MCHT) has a WACC % of 27.23% as of Jun. 29, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Mauch Chunk Trust Financial and its competitors. This is 352% above median its historical median of 6.03. Over the past decade, Mauch Chunk Trust Financial's WACC % has ranged from 3.38 to 27.23. According to the industry distribution chart, Mauch Chunk Trust Financial ranks #1376 out of 1546 companies in the Banks industry, placing it in the top 89%.
Is Mauch Chunk Trust Financial's WACC % too high?
Mauch Chunk Trust Financial's current WACC % of 27.23% is 352% above median its 10-year median of 6.03. Over the past 10 years, this metric has ranged from a low of 3.38 to a high of 27.23. The Banks industry median WACC % is 13.18. Mauch Chunk Trust Financial's value of 27.23% is 106.7% above this industry median. Based on the distribution chart, Mauch Chunk Trust Financial ranks #1376 out of 1546 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mauch Chunk Trust Financial has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's WACC % compare to CNAF and UNIF?
According to the Banks industry distribution chart, Mauch Chunk Trust Financial ranks #1376 out of 1546 companies for WACC %. This places Mauch Chunk Trust Financial in the lower half of its industry. The industry median WACC % is 13.18. Mauch Chunk Trust Financial's value of 27.23% is 106.7% above this benchmark. Historically, Mauch Chunk Trust Financial's own WACC % has ranged from 3.38 to 27.23 over the past decade. While the company's 10-year median is 6.03 vs. the industry median of 13.18, Mauch Chunk Trust 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 WACC % for a Banks company?
The median WACC % among Banks companies is 13.18, based on 1,546 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mauch Chunk Trust Financial's current WACC % of 27.23% is 106.7% 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Mauch Chunk Trust Financial and its competitors. For the Banks industry, the median WACC % is 13.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mauch Chunk Trust Financial's current WACC % is 27.23%, which is 352% above median its own 10-year median of 6.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.76, compared to a current price of $6.70 — trading 0.9% below its estimated fair value. The current WACC % is 27.23%, which is 352% above median its 10-year median of 6.03 and 106.7% above the Banks industry median of 13.18. Mauch Chunk Trust Financial's overall GF Score™ is 53/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is WACC % calculated?
WACC % is calculated from a company's financial statements. For Mauch Chunk Trust Financial (MCHT), the current WACC % is 27.23% as of Jun. 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued.
The current stock price of $6.70 is trading 0.9% below its estimated GF Value™ of $6.76.
GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.
Key valuation signals for MCHT:
WACC %: 27.23% (352% above median its 10-year median of 6.03)
GF Value™: $6.76 vs. price of $6.70 (0.9% below fair value)
Industry Position: 106.7% above the Banks median (#1376 of 1546)
No single metric tells the full story. See the MCHT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
53GF Score
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