Madison County Financial (MCBK) Stock Price

Madison County Financial Price

NYSE·CLOSED
32.41USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 2.9% per year over the past 15 years to 19.41 M USD. Earnings per share have grown at 13.2% per year over the last 10 years. Madison County Financial's net margin stands at 39.7%, up from 28.5% several years earlier. Madison County Financial currently offers a dividend yield of about 2.13%. The payout ratio is around 24% of earnings. The dividend has grown at 10.5% per year over the past 9 years. The stock trades about 26% above its 52-week low.

Madison County Financial stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Madison County Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Madison County Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Madison County Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Madison County Financial Stock Price History
DateMadison County Financial Price
7/23/202632.41 USD
7/22/202632.41 USD
7/21/202632.41 USD
7/20/202632.41 USD
7/17/202631.91 USD
7/16/202631.77 USD
7/15/202631.77 USD
7/14/202631.77 USD
7/13/202631.77 USD
7/10/202632.75 USD
7/9/202631.77 USD
7/8/202631.77 USD
7/7/202631.77 USD
7/6/202631.77 USD
7/2/202631.66 USD
7/1/202631.66 USD
6/30/202631.66 USD
6/29/202631.66 USD
6/26/202631.50 USD
6/25/202631.50 USD
6/24/202631.50 USD
6/23/202631.50 USD
6/22/202631.37 USD
6/18/202632.00 USD
6/17/202632.00 USD
6/16/202632.00 USD
6/15/202632.00 USD
6/12/202632.00 USD
6/11/202632.00 USD
6/10/202632.00 USD
6/9/202632.00 USD
6/8/202632.00 USD
6/5/202632.01 USD
6/4/202631.85 USD
6/3/202631.85 USD
6/2/202631.85 USD
6/1/202631.85 USD
5/29/202631.85 USD
5/28/202631.85 USD
5/27/202631.85 USD
5/26/202632.00 USD
5/22/202632.00 USD
5/21/202632.00 USD
5/20/202631.23 USD
5/19/202630.36 USD
5/18/202630.36 USD
5/15/202630.36 USD
5/14/202630.36 USD
5/13/202630.36 USD
5/12/202630.36 USD
5/11/202630.40 USD
5/8/202630.29 USD
5/7/202630.57 USD
5/6/202631.00 USD
5/5/202630.25 USD
5/4/202631.00 USD
5/1/202630.90 USD
4/30/202630.90 USD
4/29/202630.90 USD
4/28/202630.90 USD
4/27/202630.90 USD
4/24/202630.48 USD
4/23/202630.48 USD
4/22/202630.48 USD
4/21/202630.48 USD
4/20/202630.48 USD
4/17/202630.48 USD
4/16/202630.48 USD
4/15/202630.43 USD
4/7/202630.35 USD
3/31/202630.01 USD
3/29/202630.10 USD
3/26/202630.10 USD
3/25/202630.10 USD
3/23/202630.29 USD
3/19/202629.85 USD
3/18/202629.29 USD
3/16/202629.44 USD
3/10/202629.93 USD
3/8/202629.41 USD
3/4/202629.90 USD
3/3/202629.53 USD
2/25/202629.50 USD
2/24/202629.40 USD
2/23/202629.40 USD
2/19/202629.27 USD
2/17/202629.00 USD
2/13/202628.82 USD
2/11/202628.95 USD
2/2/202628.50 USD
1/26/202628.00 USD
1/25/202628.10 USD
1/23/202628.00 USD
1/21/202627.50 USD
1/20/202627.00 USD
1/16/202626.45 USD
1/14/202626.90 USD
1/6/202626.30 USD
1/4/202626.32 USD
12/18/202526.24 USD
12/12/202527.50 USD
12/10/202526.50 USD
12/9/202526.48 USD
12/7/202526.50 USD
11/23/202526.50 USD
11/21/202526.00 USD
11/19/202525.90 USD
11/18/202526.00 USD
11/17/202526.00 USD
11/16/202526.50 USD
11/13/202526.50 USD
11/3/202527.00 USD
10/30/202526.31 USD
10/23/202525.79 USD
10/21/202525.76 USD
10/17/202526.10 USD
10/13/202526.28 USD
10/5/202527.00 USD
9/16/202526.09 USD
9/8/202526.25 USD
9/4/202527.25 USD
8/29/202527.00 USD
8/28/202526.00 USD
8/27/202525.98 USD
8/21/202526.00 USD
8/19/202526.00 USD
8/18/202525.88 USD
8/12/202526.00 USD
8/11/202525.95 USD
8/4/202526.65 USD
7/30/202526.00 USD
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Madison County Financial Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2015
15.92 M USD
3.33 M USD
Jan 1, 2016
17.39 M USD
4.53 M USD
Jan 1, 2017
17.87 M USD
3.42 M USD
Jan 1, 2018
19.42 M USD
5.54 M USD
Jan 1, 2019
21.66 M USD
5.69 M USD
Jan 1, 2020
21.69 M USD
6.70 M USD
Jan 1, 2021
21.88 M USD
7.40 M USD
Jan 1, 2022
19.41 M USD
7.70 M USD

Madison County Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 26, 2026, 4:40 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2007200820092010201120122013201420152016201720182019202020212022
12.0012.0011.0012.0013.0013.0013.0014.0015.0017.0017.0019.0021.0021.0021.0019.00
––-8.339.098.33––7.697.1413.33–11.7610.53––-9.52
158.33158.33172.73158.33146.15146.15146.15135.71126.67111.76111.76100.0090.4890.4890.48100.00
19.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.0019.00
1.002.002.002.003.003.003.002.003.004.003.005.005.006.007.007.00
–100.00––50.00––-33.3350.0033.33-25.0066.67–20.0016.67–
––––––0.280.240.25–0.400.300.510.530.630.69
–––––––-14.294.17––-25.0070.003.9218.879.52
2.652.652.652.652.654.322.922.732.732.702.702.722.662.632.642.65
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Madison County Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Madison County Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Madison County Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Madison County Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Madison County Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Madison County Financial stock margins

The Madison County Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Madison County Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Madison County Financial.

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Profit margin
Details
Date
Profit margin
Jan 1, 2015
20.92 %
Jan 1, 2016
26.05 %
Jan 1, 2017
19.14 %
Jan 1, 2018
28.53 %
Jan 1, 2019
26.27 %
Jan 1, 2020
30.89 %
Jan 1, 2021
33.82 %
Jan 1, 2022
39.67 %

Madison County Financial Revenue per Share, Earnings per Share

The Madison County Financial earnings per share therefore indicates how much revenue Madison County Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2015
5.83 USD
1.22 USD
Jan 1, 2016
6.44 USD
1.68 USD
Jan 1, 2017
6.62 USD
1.27 USD
Jan 1, 2018
7.14 USD
2.04 USD
Jan 1, 2019
8.14 USD
2.14 USD
Jan 1, 2020
8.25 USD
2.55 USD
Jan 1, 2021
8.29 USD
2.80 USD
Jan 1, 2022
7.32 USD
2.91 USD

Madison County Financial business model & stock analysis

Madison County Financial Inc is a financial services company based in the United States. It was founded in 1995 by Roger Sommers and has its headquarters in Winterset, Iowa. The company has numerous branches and offices in many cities in Iowa and other states. It offers a wide range of financial products and services including loans, deposits, insurance, and asset management. The company has been successful in adapting its services and products to meet the needs of its customers in a competitive market.

Madison County Financial SWOT Analysis

Strengths

Madison County Financial Inc has established a strong reputation in the market, known for its reliable and secure financial services.

The company boasts a highly experienced team of financial professionals who possess in-depth knowledge of the industry.

Madison County Financial Inc offers a wide range of financial products and services, catering to the diverse needs of its clients.

Weaknesses

The company has a limited geographical presence and operates only in Madison County, potentially hindering its ability to tap into new markets.

Madison County Financial Inc lacks a strong online presence and could benefit from investing in digital marketing strategies to improve customer reach.

The company's reliance on traditional banking systems may pose challenges in adapting to advancements in technology and changing customer preferences.

Opportunities

The financial industry is evolving, presenting opportunities for Madison County Financial Inc to expand its services and offer innovative solutions.

The company can leverage its strong reputation and customer trust to attract new clients and increase market share.

Madison County Financial Inc can explore partnerships or collaborations with fintech companies to enhance its technological capabilities and improve customer experience.

Threats

Increased competition from both traditional financial institutions and emerging fintech startups poses a threat to Madison County Financial Inc's market position.

Changes in regulatory policies and compliance requirements may generate challenges for the company in terms of adapting to new laws and regulations.

Economic downturns or instability in the financial markets can impact the company's profitability and overall financial performance.

Madison County Financial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Madison County Financial historical P/E ratio, EBIT multiple, and P/S ratio

Madison County Financial annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Madison County Financial shares outstanding

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2015
2.73 M Stocks
Jan 1, 2016
2.70 M Stocks
Jan 1, 2017
2.70 M Stocks
Jan 1, 2018
2.72 M Stocks
Jan 1, 2019
2.66 M Stocks
Jan 1, 2020
2.63 M Stocks
Jan 1, 2021
2.64 M Stocks
Jan 1, 2022
2.65 M Stocks

Madison County Financial Dividend History

12 years of dividend payments

YearAnnual DividendYoY ChangePayments
20250.36USD↑ 20.0%1×
May 2, 20250.36USD↑ 20.0%1/1
20240.30USD↓ 58.3%1×
20230.72USD↑ 4.3%1×
20220.69USD↑ 9.5%1×
20210.63USD↑ 18.9%1×
20200.53USD↑ 3.9%1×
20190.51USD↑ 70.0%1×
20180.30USD↓ 25.0%1×
20170.40USD↑ 60.0%1×
20150.25USD↑ 4.2%1×

Madison County Financial dividend payout ratio

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2015
20.49 %
Jan 1, 2016
22.33 %
Jan 1, 2017
31.75 %
Jan 1, 2018
14.71 %
Jan 1, 2019
23.83 %
Jan 1, 2020
20.78 %
Jan 1, 2021
22.50 %
Jan 1, 2022
23.71 %
Price targets and forecasts for Madison County Financial are not yet available.

Madison County Financial Executives and Management Board

DW

David Warnemunde

(54)

Chairman of the Board, President, Chief Executive Officer · since 1993

Compensation1.25 M USD
DF

Daniel Fullner

Senior Vice President, General Counsel

Compensation371,870.00 USD
BB

Brenda Borchers

Chief Financial Officer

Compensation309,499.00 USD
WB

Warren Blank

(59)

Corporate Secretary, Lead Independent Director

JM

Jon Moyer

(76)

Director

Frequently asked questions about Madison County Financial

The business model of Madison County Financial Inc revolves around providing comprehensive financial services and solutions to individuals, businesses, and communities. As a leading financial institution, Madison County Financial Inc offers a wide range of services including personal and business banking, wealth management, loans and credit facilities, investment advisory, and insurance products. By leveraging their expertise, strategic partnerships, and innovative technologies, Madison County Financial Inc prides itself on delivering customized and tailored solutions to meet the unique financial needs of its customers. With a commitment to exceptional customer service and ethical conduct, Madison County Financial Inc strives to build long-lasting relationships based on trust and mutual success.

All fundamentals and in-depth analysis of Madison County Financial

Our stock analysis for Madison County Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Madison County Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

Madison County Financial Stock
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