Start with its own history
At 11.31×, MCBK is 14.9% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · MCBKBanks - RegionalUpdated Nov 5, 2026
Madison County Financial, Inc. P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
11.31×
14.9% belowthe 10-year annual average
Share price33.45
÷Earnings per share2.9566
Price and EPS in quote currency. Calculation details
Investors are paying 11.31 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 13.29×
3-year average15.08×3 positive annual observations
5-year average13.22×5 positive annual observations
10-year average13.29×10 positive annual observations
Peer median · TTM11.12×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 14 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 10.29× | -39.5% |
| Dec 31, 2024 | 17.02× | -5.1% |
| Dec 31, 2023 | 17.94× | +86.6% |
| Dec 31, 2022 | 9.61× | -14.3% |
| Dec 31, 2021 | 11.22× | +2.0% |
| Dec 31, 2020 | 11.00× | -13.2% |
| Dec 31, 2019 | 12.67× | +7.5% |
| Dec 31, 2018 | 11.78× | -39.0% |
View all 14 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 19.32× | +60.0% |
| Dec 31, 2016 | 12.07× | -30.1% |
| Dec 31, 2015 | 17.26× | -6.3% |
| Dec 31, 2014 | 18.42× | +5.4% |
| Dec 31, 2013 | 17.48× | -3.0% |
| Dec 31, 2012 | 18.02× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How MCBK compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 MCBK This stockMadison County Financial, Inc. | 11.31× |
 EQFNEquitable Financial Corp. | 11.10× |
 FMBNFarmers & Merchants Bancshares, Inc. | 10.60× |
 ATLOAmes National Corporation | 12.16× |
 TYFGTri-County Financial Group, Inc. | 12.67× |
 LYBCLyons Bancorp Inc. | 10.08× |
 FFMRFirst Farmers Financial Corporation | 12.49× |
 LOGNLogansport Financial Corp. | 11.14× |
 NIDBNortheast Indiana Bancorp, Inc. | 7.99× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does MCBK’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 11.12×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take MCBK into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("MCBK", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 33.45 ÷ EPS 2.9566 = 11.31×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 5, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
MCBK P/E ratio: common questions
The essentials behind the numbers.
Madison County Financial, Inc.'s current P/E is 11.31× based on the quote data last updated Nov 5, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.