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Mountain Commerce Bancorp, Inc. (MCBI)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 38 | 46 | 49 | -17 | -24 | 42 | 42 |
| Operating profit | $m | 14 | 14 | |||||
| Net profit | $m | 10 | 24 | 18 | 7 | 9 | 11 | 11 |
| EPS reported | $ | 1.78 | 1.79 | |||||
| Operating cashflow per share | $ | 2.28 | 0.00 | |||||
| Capex per share | $ | 0.08 | 0.00 | |||||
| FCF per share | $ | 2.20 | 0.00 | |||||
| Free cash flow | $m | 14 | 0 | |||||
| Net debt | $m | -121 | -121 | |||||
| Book value equity | $m | 146 | 146 | |||||
| Book value per share | $ | 23.15 | 23.17 | |||||
| Number of shares | m | 6.29 | 6.28 | |||||
| DPS (TTM paid) | $ | 0.26 | 0.14 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 12.84 | 12.73 | |||||
| P/B LTM | x | 0.98 | 1.00 | |||||
| P/S LTM | x | 3.39 | 3.49 | |||||
| P/FCF LTM | x | 10.39 | 0.00 | |||||
| EV/EBITDA LTM | x | 8.05 | 1.74 | |||||
| EV/Sales LTM | x | 1.38 | 0.59 | |||||
| Earnings Yield LTM | % | 7.79% | 7.86% | |||||
| FCF Yield | % | 9.63% | 0.00% | |||||
| Quality | ||||||||
| ROE | % | 7.68% | 7.95% | |||||
| ROIC | % | 5.00% | 5.00% | |||||
| Operating margin | % | 14.74% | 14.83% | |||||
| Gross margin | % | 43.29% | 43.31% | |||||
| FCF/Sales | % | 14.50% | 0.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +25.35% | +25.35% | |||||
| Sales Growth YoY | % | - | - | |||||
| Net Income Growth YoY | % | +25.37% | +25.37% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | -2.28% | -2.28% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.16% | 0.61% | |||||
| Dividend Growth | % | +13.04% | - | |||||
| Payout Ratio | % | 14.82% | 14.83% | |||||
| FCF/Debt | x | 0.20 | 0.00 | |||||
| Net Debt/EBITDA | x | -0.73 | -0.85 | |||||
| EBIT/Net interest | x | 0.27 | 0.27 | |||||
| Net debt/market cap | % | -84.49% | -83.22% | |||||
| Net debt/Equity | x | -0.83 | -0.83 | |||||
| Gross debt/equity | x | 0.47 | 0.47 | |||||
Company overview
Mountain Commerce Bancorp, Inc. functions as the parent corporation for Mountain Commerce Bank, delivering a comprehensive array of financial services primarily catering to entrepreneurs, mid-sized companies, affluent clients, and various professionals. Its product portfolio includes traditional deposit accounts like checking, savings, and certificates of deposit. Lending options encompass residential mortgages, personal loans and credit lines, commercial property financing, Small Business Administration (SBA) loans, equipment financing, operational credit lines, and credit card facilities. Beyond these, the bank offers specialized private banking services, complimentary fraud monitoring, digital statements, mobile deposit capabilities, and comprehensive online banking. Furthermore, it delivers tailored treasury management solutions for businesses. Investment offerings, provided on a fee-based structure, cover various assets such as individual equities, stock-based mutual funds, and equity exchange-traded funds (ETFs). It also includes individual bonds, bond mutual funds, and fixed-income ETFs, alongside 529 college savings plans, and different Individual Retirement Account (IRA) types like Traditional, Roth, and SIMPLE IRAs. Moreover, the company extends its expertise to retirement plan consulting. This involves reviewing and selecting 401(k) and 403(b) plan designs, offering fiduciary support, assisting investment committees with guidance, and educating plan participants through newsletters. Its insurance offerings span individual and group life insurance (including for estate planning), disability coverage, and long-term care policies. Comprehensive financial planning products and services are also available. The bank conducts its operations through a network of six physical branches situated across Brentwood, Erwin, Johnson City, Knoxville, and Unicoi. Established in 1910, the company's headquarters are located in Knoxville, Tennessee.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Mountain Commerce Bancorp, Inc. (MCBI)
Mountain Commerce Bancorp, Inc. functions as the parent corporation for Mountain Commerce Bank, delivering a comprehensive array of financial services primarily catering to entrepreneurs, mid-sized companies, affluent clients, and various professionals. Its product portfolio includes traditional deposit accounts like checking, savings, and certificates of deposit. Lending options encompass residential mortgages, personal loans and credit lines, commercial property financing, Small Business Administration (SBA) loans, equipment financing, operational credit lines, and credit card facilities. Beyond these, the bank offers specialized private banking services, complimentary fraud monitoring, digital statements, mobile deposit capabilities, and comprehensive online banking. Furthermore, it delivers tailored treasury management solutions for businesses. Investment offerings, provided on a fee-based structure, cover various assets such as individual equities, stock-based mutual funds, and equity exchange-traded funds (ETFs). It also includes individual bonds, bond mutual funds, and fixed-income ETFs, alongside 529 college savings plans, and different Individual Retirement Account (IRA) types like Traditional, Roth, and SIMPLE IRAs. Moreover, the company extends its expertise to retirement plan consulting. This involves reviewing and selecting 401(k) and 403(b) plan designs, offering fiduciary support, assisting investment committees with guidance, and educating plan participants through newsletters. Its insurance offerings span individual and group life insurance (including for estate planning), disability coverage, and long-term care policies. Comprehensive financial planning products and services are also available. The bank conducts its operations through a network of six physical branches situated across Brentwood, Erwin, Johnson City, Knoxville, and Unicoi. Established in 1910, the company's headquarters are located in Knoxville, Tennessee.
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