Stock fact sheet · data as of
Madison County Financial, Inc. (MCBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is MCBK undervalued?
At 33.30 (close of 16 Oct 2026), MCBK trades 16% over the GLS average fair value of 28.59. 4 of the 9 models land above the price and 5 below. A negative margin of safety costs Value points in the Wheel Score (6 of 25 here) - the models see no discount, which does not make the business a poor one, only the price a full one.
There is a wide gap between GLS Growth (4.27) and Graham Number (51.58). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files MCBK under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for MCBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 17.71 | -47% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 51.58 | +55% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 47.61 | +43% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.80 | -65% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.27 | -87% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 49.19 | +48% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 33.40 | +0% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.98 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 32.79 | -2% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -192.24 | -677% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Madison County Financial, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability MCBK scores 5.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 3.8%, ROE 6.5%, ROA 1.0% - with debt at 0.72 times equity and negative free cash flow.
The dividend yield is 1.83% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 3.8% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 6.5% |
| Debt / equity | 0.72 | ROA | 1.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 28: No options
No options are listed on Madison County Financial, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 28) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $89M, with a beta of 0.10 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 6 / 25 | -16% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $89M cap, beta 0.10 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for MCBK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Madison County Financial, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BKOR Oak Ridge Financial Services, Inc. | 32.40 | 42.01 | +23% | 39No options | $89M |
| FDSB Fifth District Savings Bank | 16.89 | 8.03 | -110% | 25No options | $88M |
| ORPB Oregon Pacific Bancorp | 12.47 | 23.07 | +46% | 39No options | $90M |
| KLIB Killbuck Bancshares, Inc. | 171.75 | 440.65 | +61% | 39No options | $90M |
| CZBC Citizens Bancorp | 16.00 | 9.20 | -74% | 20No options | $90M |
| KSBI KS Bancorp, Inc. | 81.55 | 161.11 | +49% | 39No options | $90M |
| CIWV Citizens Financial Corp. | 51.40 | 168.34 | +69% | 39No options | $88M |
| FUSB First US Bancshares, Inc. | 16.45 | 17.26 | +5% | 39No options | $91M |
| EDVR Endeavor Bancorp | 19.75 | 45.52 | +57% | 39No options | $87M |
| FSMK 1ST SUMMIT BANCORP of Johnstown, Inc. | 42.88 | 34.41 | -25% | 27No options | $91M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
⚖ Compare MCBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MCBK
Is MCBK undervalued right now?
No: at 33.30 the stock trades 16% above the GLS average fair value of 28.59 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of MCBK and what does it mean?
MCBK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for MCBK?
28.59 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Madison County Financial, Inc. report earnings next?
No upcoming earnings date is recorded for MCBK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does MCBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MCBK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.