Provide checking and savings accounts for individuals and businesses. Offer a wide range of loans, including home, auto, commercial real estate, and SBA loans. Now — the numbers.
This is an established company with proven profits.
Average growth of 30% a year over the last 4 years. Every year shown ended in profit.
The market pays 12.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 91% of them.
Analysts' average target sits 11% above today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
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 below the class average.
The price is looking for direction — no strong breakout, no collapse.
Growth: Sales growth trails the sector average.
An investor who bought at the very peak is down 73% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 26% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 30% a year on average.
Over the last 12 months, company executives reported 97 buys and 51 sells. Management buying with its own money is usually read as a good sign.
The growth engine is running at low revs right now. Report-card grade: 46/100.
On our five-subject report card, MCHB 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: MCHB 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.
Not covered, because the filings we hold do not carry it: the revenue breakdown.