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    Banks - Regional
Madison County Financial, Inc.

Madison County Financial, Inc.

MCBK
Madison County Financial, Inc.US flagOther OTC
31.77
USD
- -
- -
84.82MMarket Cap
Madison County Financial, Inc.
MCBK
(Other OTC)

Recent

price

31.77

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2022
2023
2024
2025
TTM
FRC
2
2.3
3.72
4.04
4.62
5.21
5.7
5.78
5.7
6.61
5.08
- -
6.87
5.68
Revenue per Share
0.6
0.72
1.14
1.03
1.09
1.27
1.73
1.32
2.13
3.03
1.27
- -
2.54
2.12
Basic EPS, GAAP
0.59
0.66
1.69
1.53
1.53
1.53
1.93
1.9
2.5
2.07
0.33
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.28
0.25
0.25
0.29
0.41
0.3
0.7
0.72
- -
- -
- -
Dividend per Share
5.56
6.28
10.51
12.25
13.92
15.09
16.63
17.84
19.75
28.87
29.38
- -
- -
19.67
Book Value per Share
5.22
6.02
19.03
20.64
22.12
24.12
24.35
25.54
27
35.05
35.68
- -
39.28
26.9
Tangible Book Value per Share
5
5
3
3
3
3
3
3
3
3
3
- -
3
3
Basic Weighted Avg Shares
10
11
12
12
13
14
15
15
15
17
13
14
18
15
Sales/Revenue/Turnover
41.78
- -
42.75
34.6
31.21
33.15
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
4
3
3
3
5
3
6
8
3
4
7
6
Net Income, GAAP
28.68
29.32
28.43
26.06
24.5
26.41
25.99
45.74
15.72
14.06
- -
8.99
15.07
15.72
Effective Tax Rate (%)
29.8
31.53
30.6
25.58
23.57
24.39
30.3
22.76
37.31
45.88
24.97
27.51
36.94
37.31
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
30
20
6
20
40
43
42
55
52
13
72
60
- -
52
LT Debt
27
30
62
61
62
68
68
70
73
91
92
95
101
73
Total Equity
- -
- -
5.79
4.03
3.26
3.24
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
12.24
11.44
8.71
8.06
8.72
10.85
7.56
11.29
12.3
4.36
5
16.72
11.29
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
52
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
48
69
66

Working Capital

FRC

•

in mil. unless spec.
Jun'18
Sep'18
Dec'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
33
Accounts Receivable, Net
- -
- -
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.18%
7.92%
5.78%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
13.64%
25.89%
70.37%
Sales/Revenue/Turnover
4.78%
4.32%
26.84%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
- -
- -
- -
14
2025
5
- -
- -
- -
18
2026
5
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
0.72
- -
- -
- -
2.54
2026
0.77
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Madison County Financial, Inc. (MCBK) serves as the holding company for Madison County Bank, a community bank providing a full range of banking and financial services to individual, agricultural, and corporate customers primarily in northeast Nebraska. Madison County Bank, founded in 1888 and headquartered in Madison, Nebraska, offers deposit products including checking accounts, savings accounts, health savings accounts, and certificates of deposit; consumer lending such as home loans, home equity lines of credit, personal loans, auto loans, recreational vehicle loans, and overdraft protection; agricultural loans encompassing real estate, machinery and equipment, livestock and crop, and operating loans; commercial loans covering real estate, construction, investment property, working capital, and equipment financing; as well as online and mobile banking, debit and credit cards, and merchant services. The company operates through branch offices in the Madison area and maintains strong capitalization with total assets of approximately $609 million as of June 30, 2025. In recent developments, Madison County Financial announced a new stock repurchase program and its 2025 annual cash dividend in April 2025, alongside the retirement of board member David D. Warnemunde in September 2025; the company also reported robust financial performance with net income of $1.5 million for Q2 2025 and $1.7 million for Q3 2025.

Company News

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