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MCNB Banks, Inc (MKIN) Fair Value & Analysis

Financial Services · US · Market cap $20.9M

Price$19.45
Fair Value$26.50
Upside+36.2%
Quality95/100
Evidence: High Range $19.88 – $33.13

Fair value as of: Jun 26, 2026

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Analysis

MCNB Banks, Inc (MKIN) currently trades at $19.45, while our model-based Fair Value estimate is $26.50 — implying the stock looks roughly 36.2% 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

MCNB Banks, Inc. operates as the bank holding company for MCNB Bank and Trust Co. that provides personal and business banking products and services. It offers checking, savings, and individual retirement accounts; certificates of deposit; and home and personal loans, commercial and investment real estate financing, equipment financing, business lines of credit, and guidance lines of credit. The company also provides trust and financial services, including investment management, custodian, estate planning and administration, retirement, trust, financial planning, and online account access services; business services, such as night depository, business debit and credit cards, sweep options, and overdraft protection services; and Internet/phone banking services. The company was founded in 1900 and is based in Welch, West Virginia.

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Frequently asked questions

Is MCNB Banks, Inc (MKIN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $26.50 versus a price of $19.45 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of MKIN?
Our 21-model fair value for MCNB Banks, Inc is $26.50 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.45.
What is the quality score of MKIN?
MCNB Banks, 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.