Stock fact sheet · data as of
MCNB Banks, Inc. (MKIN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is MKIN undervalued?
MCNB Banks, Inc. (MKIN) closed at 21.00 on 16 Oct 2026, close to the GLS average fair value of 19.11 (9.9% above fair value). 3 of the 6 models that produced a number sit above the price, 3 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
There is a wide gap between GLS Growth (4.41) and Graham Number (41.97). 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 MKIN under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for MKIN
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 | 4.57 | -78% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 41.97 | +100% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 32.89 | +57% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.15 | -61% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.41 | -79% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 22.65 | +8% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -286.75 | -1465% | 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
MCNB Banks, Inc. scores only 0 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. A GLS Moat score of 3.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 3.3%, ROE 5.3%, ROA 0.6% - with debt at 0.59 times equity and negative free cash flow.
MCNB Banks, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 3.3% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 5.3% |
| Debt / equity | 0.59 | ROA | 0.6% |
| Free-cash-flow yield | -10.2% | Payout ratio | 29% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 20: No options
No options are listed on MCNB Banks, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 20) 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 $23M, with a beta of -0.12 - 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 | 8 / 25 | -10% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 6 / 15 | moat 3.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $23M cap, beta -0.12 |
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 MKIN 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 MCNB Banks, 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 |
|---|---|---|---|---|---|
| TVLF Tennessee Valley Financial Holdings, Inc. | 12.54 | 18.67 | +33% | 38No options | $23M |
| UNIF U & I Financial Corp. | 4.08 | 2.77 | -47% | 11No options | $22M |
| SNNF Seneca Bancorp, Inc. | 12.85 | 11.11 | -16% | 39No options | $23M |
| CIBN Community Investors Bancorp, Inc. | 27.60 | 103.40 | +73% | 39No options | $22M |
| GOVB Gouverneur Bancorp, Inc. | 20.49 | 14.25 | -44% | 25No options | $22M |
| CNAF Commercial National Financial Corporation | 8.38 | 8.66 | +3% | 39No options | $24M |
| UNTN United Tennessee Bankshares, Inc. | 29.00 | 36.14 | +20% | 39No options | $21M |
| TBBA TEB Bancorp, Inc | 8.09 | 5.97 | -35% | 22No options | $21M |
| CTYP Community Bankers' Corporation | 10.80 | 14.45 | +25% | 39No options | $24M |
| FIBH First Bancshares, Inc. | 38.50 | 20.31 | -90% | 15No options | $21M |
| CBHC CBC Holding Company | 28.40 | 4.00 | -610% | 15No options | $21M |
| FBPI First Bancorp of Indiana, Inc. | 14.50 | 10.66 | -36% | 25No options | $25M |
⚖ Compare MKIN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MKIN
Is MKIN undervalued right now?
Not meaningfully: at 21.00 the stock trades within a few percent of the GLS average fair value of 19.11 (9.9% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of MKIN and what does it mean?
MKIN 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 MKIN?
19.11 per share as of 16 Oct 2026 - the simple average of the 6 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 MCNB Banks, Inc. report earnings next?
No upcoming earnings date is recorded for MKIN in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does MKIN have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on MKIN, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.