Provides consumer and commercial checking accounts. Offers savings accounts and certificates of deposit. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
The market pays 14.8× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 85% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 29% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 14% a year on average.
Over the last 12 months, company executives reported 29 buys and 15 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 36/100.
On our five-subject report card, MCBS sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: MCBS is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.