Madison County Financial Inc (MCBK)

Madison County Financial, Inc. is a bank holding company whose common stock is listed on OTC Markets under the ticker MCBK. Through its subsidiary, Madison County Bank, the company provides banking and financial services to individual and corporate customers in Nebraska. Its offerings include deposit accounts such as checking, savings, health savings, and individual retirement accounts, along with certificates of deposit, credit and debit cards, home loans, consumer lending, and a range of agricultural and commercial loans. The company also provides online and mobile banking services and merchant services. Founded in 1888 and headquartered in Madison, Nebraska, Madison County Financial was previously known as Madison County Holding Company before adopting its current name in 2012.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Payout Ratio
OTC-MCBK
$30.10
-9.7% Downside
Fair
Not available
Not available
Good
1.8%
November 4, 2026
11.3x
0.8x
4.4x
85.302 M
18.1%
14.2%
Valuation • Fair Value

Madison County Financial Inc (OTC-MCBK) Fair Value by Valuation Model

Review the available estimates for Madison County Financial Inc (OTC-MCBK), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$30.10

Estimated downside of 9.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$32.78

Classic Ben Graham valuation formula reference.

Comps Fair Value

$30.10

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Madison County Financial Inc (OTC-MCBK) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Madison County Financial Inc (OTC-MCBK)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

19.311 M

Current operating scale indicator.

Revenue Forecast

21.116 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Madison County Financial Inc (OTC-MCBK) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Madison County Financial Inc (OTC-MCBK)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

4

Mid-range quality score.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Madison County Financial Inc (OTC-MCBK). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Madison County Financial Inc (OTC-MCBK)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 4, 2026

Days to Earnings

43

Dividend Yield

1.8%

Current income yield reference.

Payout Ratio

14.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Madison County Financial Inc (OTC-MCBK), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Madison County Financial Inc (OTC-MCBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Madison County Financial Inc (OTC-MCBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Madison County Financial Inc (OTC-MCBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Madison County Financial Inc (OTC-MCBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Madison County Financial Inc (OTC-MCBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Madison County Financial Inc (OTC-MCBK) Stock FAQ

Data-supported answers about Madison County Financial Inc (OTC-MCBK), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$30.10
Estimated downside 9.7%
Valuation Rating
Overvalued
Estimated downside of 9.7%
Financial Health
Good
Current financial-health read

The current fair value estimate for Madison County Financial Inc (OTC-MCBK) is $30.10. This implies an estimated downside of 9.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 9.7% versus the current market price.

The current financial health read for Madison County Financial Inc (OTC-MCBK) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Madison County Financial Inc (OTC-MCBK) is November 4, 2026.

Based on the current data, dividend yield is 1.8%.

The current P/E ratio listed for Madison County Financial Inc (OTC-MCBK) is 11.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Madison County Financial Inc is 85.302 M.

The ticker symbol for Madison County Financial Inc is OTC-MCBK, and the stock is listed on OTC Markets.

Madison County Financial Inc (OTC-MCBK) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Madison County Financial Inc is 18.1%, which helps investors evaluate the company’s financing structure and leverage profile.