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Madison County Financial, Inc (MCBK) Fair Value & Analysis

Financial Services · US · Market cap $85.4M

Price$31.50
Fair Value$31.67
Upside+0.5%
Quality95/100
Evidence: High Range $23.75 – $39.58

Fair value as of: Jun 26, 2026

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Analysis

Madison County Financial, Inc (MCBK) currently trades at $31.50, while our model-based Fair Value estimate is $31.67 — implying the stock looks roughly 0.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in the United States. It offers checking, health savings, savings, and individual retirement accounts; certificates of deposit; credit and debit cards; home loans and consumer loans, such as home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also provides construction loans, equipment financing, investment property loans, working capital loans, and commercial real estate loans; and Ag real estate loans, machinery and equipment loans, livestock and crop loans, and operating loans. In addition, it offers online and mobile banking. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County…

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Frequently asked questions

Is Madison County Financial, Inc (MCBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $31.67 versus a price of $31.50 — about +1% (undervalued). Model-based estimate, not financial advice.
What is the fair value of MCBK?
Our 21-model fair value for Madison County Financial, Inc is $31.67 (as of Jun 26, 2026), built from audited fundamentals. The current price is $31.50.
What is the quality score of MCBK?
Madison County Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.