Financial Services
Madison County Financial, Inc.(MCBK)
Live Price
Offline$31.37
-1.97% today
1Y Change
+24.95%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +9.5%
- EPS Growth
- +73.5%
- Dividend Yield
- 2.0%
Coverage: 248 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Madison County Financial, Inc. (MCBK) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $31.37 and up 25.0% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +9.5%, EPS growth of +73.5%, a dividend yield of 2.0%. What stands out right now is revenue +9.5%, EPS +73.5%, free cash flow +24.2% with operating margin 39.9% and ROIC 1.3%. The dividend is present but secondary, with a yield around 2.0%. Valuation is more restrained than many high-expectation growth names at P/E 12.1 and price/sales 3.3. Stock Foundry combines MCBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+9.5% vs +3.4% peer median
Operating Margin
Above sector median
+39.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 25, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +9.5% and EPS at +73.5%, with operating margin around 39.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.3% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 25, 2026 | โ | -0.5% | -0.5% | โ |
2025 Dec 31, 2025 | โ | +0.0% | +0.2% | +6.7% |
2025 Nov 11, 2025 | โ | +0.0% | -3.7% | -1.9% |
Benchmark Edge
MCBK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
MCBK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
MCBK Max Drawdown
-5.47%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for MCBK and SPY.
Company Overview
Madison County Financial, Inc.
Other OTC
Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in Nebraska, the United States. It provides deposits, such as checking, money market savings, savings, and individual retirement accounts, as well as certificates of deposit; credit and debit cards; home loans; and consumer loans, including home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also offers agricultural real estate, machinery and equipment, livestock and crop, and operating loans; and commercial real estate, construction, investment property, and working capital loans, as well as equipment financing services. In addition, it provides online and mobile banking, as well as merchant services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.
- Leadership
- David Jeffrey Warnemunde
- IPO Date
- Oct 4, 2012
- Employees
- 51
- Street Address
- 111 West Third Street
- Mailing
- Madison, NE, 68748
- Region
- Madison, NE, US
- Reporting Currency
- USD
- Investor Line
- 402 454 6511
- Last Updated
- May 2, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.1
- EV/EBITDA
- 19.4
- Price/Sales
- 3.3
- Price/Book
- 0.8
Growth
- Revenue
- +9.5%
- EPS
- +73.5%
- Free Cash Flow
- +24.2%
Profitability
- Gross Margin
- 70.4%
- Operating Margin
- 39.9%
- Net Margin
- 26.0%
- ROE
- 6.7%
- ROIC
- 1.3%
Balance Sheet
- Debt/Equity
- 0.72
- Current Ratio
- 0.27
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.