Madison County Financial (MCBK) Stock Price, News & Analysis

Company Overview

Madison County Financial, Inc. is a bank holding company headquartered in Huntsville, Alabama, operating through its wholly owned subsidiary, Madison County Bank. The company focuses on community banking services, serving individuals, small businesses and nonprofit organizations across Madison County and its surrounding areas.

Madison County Financial offers a full suite of deposit products, including checking, savings and money market accounts, as well as certificates of deposit. On the lending side, the company provides consumer loans, residential real estate financing, commercial lending and construction loans. Digital banking solutions, cash management, online bill payment and mobile banking services round out its product lineup to meet the needs of both personal and business customers.

Committed to supporting local economic growth, Madison County Financial works closely with small- to mid-sized enterprises and community organizations in North Alabama. The company’s management team brings extensive regional banking experience, and its board of directors is composed of business leaders and community stakeholders dedicated to the bank’s mission of delivering personalized financial solutions in its core market.

Key Stats

• Today's Range: $25.79 to $25.79
• 50-Day Range: $25.76 to $27.25
• 52-Week Range: $24.30 to $27.25
• Volume: 170 shs
• Average Volume: 1,660 shs
• Market Capitalization: $68.86 million
• P/E Ratio: N/A
• Dividend Yield: 1.40%
• Price Target: N/A
• Consensus Rating: N/A

Madison County Financial Stock Analysis - MarketRank™

Madison County Financial scored higher than 21% 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 Madison County Financial.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Book Value per Share Ratio

Madison County Financial has a P/B Ratio of 0.73. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the outstanding shares of Madison County Financial have been sold short.

Short Interest Ratio / Days to Cover

Madison County Financial has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Madison County Financial pays a meaningful dividend of 1.40%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Madison County Financial does not have a long track record of dividend growth.

Sustainability and ESG

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

Percentage of Shares Shorted

0.01% of the outstanding shares of Madison County Financial have been sold short.

Short Interest Ratio / Days to Cover

Madison County Financial has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

Madison County Financial has a news sentiment score of 1.05. 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 is a higher news sentiment than the 0.84 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Madison County Financial 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, Madison County Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.90% of the stock of Madison County Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

MCBK Stock Analysis - Frequently Asked Questions

How have MCBK shares performed this year?

Madison County Financial's stock was trading at $25.02 at the beginning of 2025. Since then, MCBK shares have increased by 3.1% and is now trading at $25.79.

How do I buy shares of Madison County Financial?

Shares of MCBK 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.

Company Calendar

• Today: 10/24/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:MCBK
• CIK: 1547635
• Web: www.madisoncountybank.com
• Phone: (402) 454-6511
• Fax: N/A
• Employees: 51
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• 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: 0.34
• Current Ratio: 0.97
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $29.54 million
• Price / Sales: 2.33
• Cash Flow: $1.58 per share
• Price / Cash Flow: 16.28
• Book Value: $35.19 per share
• Price / Book: 0.73

Miscellaneous

• Outstanding Shares: 2,670,000
• Free Float: 2,218,000
• Market Cap: $68.78 million
• Optionable: Not Optionable
• Beta: 0.18