Mountain Commerce Bancorp (MCBI) Stock Price, News & Analysis

Company Overview

Mountain Commerce Bancorp is the bank holding company for Mountain Commerce Bank, a Virginia-chartered community bank headquartered in Bluefield, Virginia. As a locally focused financial institution, the company offers a full spectrum of banking products and services to individuals, businesses and nonprofit organizations. Mountain Commerce Bancorp’s structure supports both retail banking operations and commercial lending divisions, allowing it to address diverse client needs through a single organizational platform.

Through its subsidiary, Mountain Commerce Bank provides traditional deposit products including checking and savings accounts, money market accounts and certificates of deposit. On the lending side, the bank specializes in consumer and commercial financing solutions such as residential and commercial real estate mortgages, agricultural loans, construction financing and small business lines of credit. To enhance customer convenience, the bank also offers treasury management services, cash management tools and a suite of online and mobile banking capabilities.

Mountain Commerce Bancorp serves communities across southwestern Virginia and neighboring regions, maintaining branch locations strategically positioned to support key economic sectors including healthcare, manufacturing, retail and professional services. By emphasizing relationship-based banking and community engagement, the company seeks to foster local economic growth and development. Its commitment to personalized service and investment in regional projects underscores its role as a financial partner to both individuals and businesses in its service area.

Key Stats

• Today's Range: $21.87 to $22.50
• 50-Day Range: $19.71 to $22.50
• 52-Week Range: $19.02 to $22.50
• Volume: 1,847 shs
• Average Volume: 11,009 shs
• Market Capitalization: N/A
• P/E Ratio: 35.16
• Dividend Yield: 0.36%
• Price Target: N/A
• Consensus Rating: N/A

Mountain Commerce Bancorp Stock Analysis - MarketRank™

Mountain Commerce Bancorp scored higher than 28% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Mountain Commerce Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Mountain Commerce Bancorp is 35.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.23.

Price to Earnings Ratio vs. Sector

The P/E ratio of Mountain Commerce Bancorp is 35.16, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 70.26.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Mountain Commerce Bancorp has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Mountain Commerce Bancorp has recently decreased by 80.00%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Mountain Commerce Bancorp has a dividend yield of 0.53%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Mountain Commerce Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Mountain Commerce Bancorp is 12.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Mountain Commerce Bancorp has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Mountain Commerce Bancorp has recently decreased by 80.00%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

Mountain Commerce Bancorp has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Mountain Commerce Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Mountain Commerce Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.81% of the stock of Mountain Commerce Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 37.63% of the stock of Mountain Commerce Bancorp is held by institutions.

MCBI Stock Analysis - Frequently Asked Questions

How have MCBI shares performed this year?

Mountain Commerce Bancorp's stock was trading at $21.52 at the beginning of 2025. Since then, MCBI stock has increased by 4.6% and is now trading at $22.50.

How were Mountain Commerce Bancorp's earnings last quarter?

Mountain Commerce Bancorp, Inc. (OTCMKTS:MCBI) released its earnings results on Monday, January, 24th. The bank reported $0.83 EPS for the quarter, beating the consensus estimate of $0.78 by $0.05.

How do I buy shares of Mountain Commerce Bancorp?

Shares of MCBI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Mountain Commerce Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Mountain Commerce Bancorp investors own include Bank of America (BAC), Citigroup (C), CVS Health (CVS), HSBC (HSBC), JPMorgan Chase & Co. (JPM), Tesla (TSLA) and American Financial Group (AFG).

Company Calendar

• Last Earnings: 1/24/2022
• Record date for 9/2 Dividend: 8/04/2025
• Dividend Payable: 9/02/2025
• Today: 10/21/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Financial Services
• Industry: Banks - Regional
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:MCBI
• CIK: 1068300
• Web: www.mcb.com
• Phone: (865) 694-5755
• Fax: N/A
• Employees: 113
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 35.16
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: N/A
• Free Float: N/A
• Market Cap: N/A
• Optionable: Not Optionable
• Beta: N/A