Madison County Financial, Inc. (MCBK)

Madison County Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	78	67	65	57	74	83
Market Cap Growth	19.83%	3.39%	13.14%	-22.42%	-11.32%	11.90%
Last Close Price	30.48	26.24	24.65	21.63	27.59	30.60
PE Ratio	12.01	10.27	16.93	17.70	9.56	11.22
PS Ratio	4.42	3.80	4.65	4.44	3.79	4.25
PB Ratio	0.77	0.66	0.68	0.62	0.81	0.95
P/FCF Ratio	-	13.31	15.99	68.15	14.02	10.05
P/OCF Ratio	15.51	13.31	15.67	60.95	13.81	9.88
Debt / Equity Ratio	0.72	0.72	0.63	0.78	0.14	0.24
Debt / FCF Ratio	14.47	14.47	14.92	86.24	2.51	2.51
Net Debt / Equity Ratio	0.66	0.66	0.54	0.71	0.07	0.16
Net Debt / FCF Ratio	13.20	13.20	12.65	78.18	1.12	1.73
Return on Equity (ROE)	6.64%	6.64%	4.07%	3.52%	8.65%	8.78%
Return on Assets (ROA)	1.04%	1.04%	0.62%	0.53%	1.36%	1.51%
Earnings Yield	8.35%	9.73%	5.91%	5.65%	10.46%	8.93%
FCF Yield	-	7.51%	6.26%	1.47%	7.13%	9.95%
Dividend Yield	1.18%	-	1.46%	1.39%	2.61%	2.25%
Payout Ratio	14.22%	14.22%	20.43%	56.51%	22.94%	21.36%
Buyback Yield / Dilution	1.34%	1.34%	-0.23%	2.02%	-0.15%	-0.40%
Total Shareholder Return	2.53%	1.34%	1.23%	3.41%	2.46%	1.86%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.