Mountain Commerce Bancorp, Inc. (MCBI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Mountain Commerce Bancorp, Inc. (MCBI) trades at $22.78 with AI Score 61/100 (Grade B+). Mountain Commerce Bancorp, Inc. Market cap: $145.46M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for MCBI: MCBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MCBI against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MCBI: 2/4 perspectives are bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Mountain Commerce Bancorp, Inc. (MCBI) Financial Services Profile
Mountain Commerce Bancorp, Inc. (MCBI) operates as a regional bank holding company focused on delivering comprehensive banking services to small- and medium-sized enterprises and affluent individuals, with a strong emphasis on customer-centric solutions and innovative financial products.
What Is the Investment Thesis for MCBI?
Mountain Commerce Bancorp, Inc. (MCBI) presents a compelling case for investment consideration due to its stable financial performance, evidenced by a profit margin of 11.8% and a P/E ratio of 12.76, indicating strong earnings relative to its stock price. The bank's diversified product offerings, including traditional banking services and investment management, provide multiple revenue streams that can drive growth. With a market capitalization of $145.46M, MCBI is well-positioned to capture growth from the increasing demand for personalized banking and financial services among small- and medium-sized businesses and affluent individuals. The ongoing expansion of online banking and treasury management solutions further enhances its competitive edge. However, potential risks include interest rate fluctuations and regulatory challenges that could impact profitability. Overall, MCBI's focus on customer service, combined with its comprehensive financial solutions, positions it favorably for sustainable growth.
Based on FMP financials and quantitative analysis
MCBI Key Highlights
- Market capitalization of $145.46M, reflecting its regional banking stature.
- P/E ratio of 12.76, indicating reasonable valuation relative to earnings.
- Profit margin of 11.8%, showcasing operational efficiency.
- Gross margin of 31.4%, exceeding many regional competitors.
- Dividend yield of 1.23%, providing a return to shareholders.
Who Are MCBI's Competitors?
MCBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| BXS BancorpSouth Bank | $28.76 | -1.07% | $5.25B | 52 |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MCBI's Key Strengths?
- Long-standing history and reputation in the banking sector.
- Diverse range of financial products and services.
- Strong profit margins and operational efficiency.
What Are MCBI's Weaknesses?
- Limited geographic presence compared to larger banks.
- Dependence on local economic conditions for growth.
- Potential challenges in scaling digital services.
What Could Drive MCBI Stock Higher?
- Expansion of digital banking services to attract new customers.
- Steady growth in commercial lending driven by local business recovery.
- Introduction of enhanced wealth management services to capture affluent clients.
- Continued focus on customer service and community engagement to strengthen brand loyalty.
What Are the Key Risks for MCBI?
- Financial-distress signal — its Altman Z-Score of -0.78 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes impacting operational costs and compliance.
- Interest rate fluctuations affecting net interest margins.
- Increased competition from fintech companies offering innovative solutions.
- Economic downturns impacting loan performance and deposit growth.
What Are the Growth Opportunities for MCBI?
- Expansion of Digital Banking Services: The increasing adoption of digital banking solutions presents a significant growth opportunity for MCBI. With the market for online banking projected to reach $1 trillion by 2027, MCBI can leverage its technological capabilities to enhance customer experience and streamline operations. By investing in user-friendly platforms and mobile applications, the bank can attract a younger demographic, driving deposits and loan growth.
- Increase in Commercial Lending: As small- and medium-sized businesses continue to recover from economic disruptions, MCBI has the opportunity to expand its commercial lending portfolio. The commercial lending market is expected to grow at a CAGR of 5% through 2028, providing MCBI with a chance to capture market share by offering competitive loan products tailored to the needs of local businesses.
- Wealth Management Services Growth: The demand for wealth management and investment advisory services is on the rise, particularly among affluent individuals. MCBI's fee-based investment management accounts and retirement planning services can tap into this growing market, which is projected to reach $4.5 trillion by 2025. By enhancing its advisory capabilities and marketing efforts, MCBI can increase its share of this lucrative segment.
- Geographic Expansion: MCBI can explore opportunities to expand its footprint beyond its current branches in Tennessee. Targeting underserved markets in neighboring states could provide access to new customer bases and increase overall market share. The regional banking landscape is ripe for consolidation, and strategic acquisitions could enhance MCBI's growth trajectory.
- Enhanced Treasury Management Solutions: As businesses seek more sophisticated treasury management services, MCBI can capitalize on this trend by enhancing its offerings. The treasury management market is projected to grow significantly, with businesses looking for efficient cash management solutions. By investing in advanced technology and customer service, MCBI can attract more corporate clients, driving revenue growth.
What Opportunities Does MCBI Have?
- Expansion of digital banking services to attract younger customers.
- Growth in commercial lending as businesses recover.
- Increasing demand for wealth management and investment advisory services.
What Threats Does MCBI Face?
- Intense competition from both traditional banks and fintech companies.
- Regulatory challenges impacting operational costs.
- Economic downturns affecting loan performance and deposit growth.
What Are MCBI's Competitive Advantages?
- Established brand with over a century of service in the banking industry.
- Strong customer relationships built on personalized service and community engagement.
- Diverse product offerings that cater to a wide range of financial needs.
What Does MCBI Do?
Mountain Commerce Bancorp, Inc., founded in 1910, serves as the holding company for Mountain Commerce Bank, headquartered in Knoxville, Tennessee. The bank has evolved over more than a century to cater to the financial needs of small- and medium-sized businesses, professionals, and affluent individuals. With a commitment to personalized banking services, MCBI offers a wide range of products, including checking and savings accounts, certificates of deposit, mortgage loans, personal loans, and various types of credit lines. Additionally, the bank provides commercial real estate loans and small business administration loans, reflecting its focus on supporting local business growth. MCBI also emphasizes private banking services, offering features such as free fraud monitoring, estatement, remote deposit capture, and online banking solutions. Beyond traditional banking, the company has expanded its service offerings to include investment management accounts, retirement plan consulting, and various insurance products, positioning itself as a comprehensive financial partner. Operating through six branches in key locations such as Brentwood, Erwin, Johnson City, Knoxville, and Unicoi, MCBI has established a strong regional presence. The bank's dedication to customer service and community engagement has fostered long-term relationships, further solidifying its position in the competitive regional banking landscape.
What Products and Services Does MCBI Offer?
- Provide checking and savings accounts for personal and business use.
- Offer a range of loan products, including mortgage and personal loans.
- Facilitate commercial real estate loans and small business administration loans.
- Deliver private banking services with personalized financial solutions.
- Offer investment management accounts and retirement planning services.
- Provide insurance products, including life and long-term care insurance.
How Does MCBI Make Money?
- Generate revenue through interest income from loans and mortgages.
- Earn fees from investment management and financial advisory services.
- Collect service fees from treasury management and private banking services.
- Receive income from various insurance products offered to clients.
What Industry Does MCBI Operate In?
The regional banking sector is characterized by a growing demand for personalized banking services, particularly among small- and medium-sized enterprises and affluent individuals. As businesses increasingly seek tailored financial solutions, banks like Mountain Commerce Bancorp, Inc. are well-positioned to capitalize on this trend. The industry is expected to grow steadily, driven by economic recovery and increased consumer spending. Competitive pressures are present from both traditional banks and fintech companies, necessitating continuous innovation and customer engagement strategies to maintain market share.
Who Are MCBI's Key Customers?
- Small- and medium-sized businesses seeking financial services.
- Affluent individuals requiring personalized banking and investment solutions.
- Professionals looking for comprehensive financial planning and insurance products.
ROE 8%Key Financial Metrics
Return on equity for Mountain Commerce Bancorp, Inc. stands at 7.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. MCBI trades at a trailing price-to-earnings ratio of 12.76, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
Mountain Commerce Bancorp, Inc. (MCBI) Valuation Context
Valued at $145.46M, MCBI is classified as a micro-cap stock. Relative to its peer group, MCBI's quantitative score of 61/100 is below the peer average of 72/100.
Company Profile
Mountain Commerce Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Knoxville, US. The company is led by CEO William E. Edwards. MCBI has traded publicly since 2017.
F-Score 4/9Financial Health
Mountain Commerce Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.78 places it in the distress zone, a signal of elevated financial risk.
MCBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- MCBI's recent insider buying suggests those in the know see value, a positive signal for future growth.
- The community sentiment seems optimistic, with many discussing potential expansion into new markets, fueling positive expectations.
- Market perception indicates MCBI is viewed as a stable regional bank, attracting investors seeking lower-risk opportunities.
- Positive chatter within the community highlights MCBI's strong customer relationships, potentially leading to increased loyalty and referrals.
Bear Case
- Recent market developments suggest increased regulatory scrutiny for regional banks, potentially impacting MCBI's operations and profitability.
- Some community members express concern about MCBI's limited geographic footprint, making it vulnerable to regional economic downturns.
- Bearish community views point to potential challenges in attracting younger customers, vital for long-term sustainability.
- Whispers about increased competition in MCBI's core market could squeeze margins and limit growth opportunities.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
MCBI Latest News
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Stocks That Hit 52-Week Highs On Friday
· Jan 17, 2020
MCBI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MCBI.
Price Targets
Wall Street price target analysis for MCBI.
MCBI MoonshotScore
What does this score mean?
The MoonshotScore rates MCBI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: William E. Edwards
CEO
William E. Edwards has extensive experience in the banking industry, having held various leadership roles over his career. He graduated with a degree in finance and has a strong background in commercial banking and financial services. His leadership style emphasizes customer service and community involvement, which aligns with the bank's mission.
Track Record: Under William E. Edwards' leadership, Mountain Commerce Bancorp has seen steady growth in its customer base and product offerings. He has spearheaded initiatives to enhance digital banking capabilities and expand the bank's service portfolio, contributing to improved financial performance.
MCBI OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the stringent listing requirements of major exchanges like NYSE or NASDAQ. This tier includes a variety of companies, often smaller or less liquid, which can lead to increased volatility and lower trading volumes compared to listed stocks.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight compared to companies on major exchanges.
- Potential for lower liquidity, leading to price volatility.
- Greater difficulty in obtaining accurate and timely financial information.
- Review the company's financial statements and reports.
- Assess the management team's experience and track record.
- Evaluate the competitive landscape and market position.
- Check for any legal or regulatory issues affecting the company.
- Consider the overall economic environment impacting the banking sector.
- Established history of operations since 1910.
- Membership in the FDIC, providing deposit insurance.
- Transparency in financial reporting and communication with stakeholders.
What Investors Ask About Mountain Commerce Bancorp, Inc. (MCBI) — Financial Services
What does Mountain Commerce Bancorp, Inc. do?
Mountain Commerce Bancorp, Inc. operates as the holding company for Mountain Commerce Bank, providing a range of banking services including checking and savings accounts, loans for individuals and businesses, investment management, and insurance products. The bank focuses on serving small- and medium-sized enterprises and affluent individuals, emphasizing personalized service and community engagement.
What are the main risks for MCBI?
Mountain Commerce Bancorp, Inc. faces several risks, including regulatory challenges that could increase operational costs and compliance burdens. Additionally, fluctuations in interest rates may impact net interest margins, while competition from fintech companies could affect market share. Economic downturns also pose risks to loan performance and overall deposit growth.
How sensitive is MCBI to interest rate changes?
Mountain Commerce Bancorp, Inc. is sensitive to interest rate changes, as fluctuations can significantly impact its net interest margin. A rising interest rate environment may increase borrowing costs for customers, potentially leading to reduced loan demand. Conversely, lower rates could compress margins, affecting overall profitability.
What are the key factors to evaluate for MCBI?
Mountain Commerce Bancorp, Inc. (MCBI) holds an AI score of 61/100 (moderate). Not financial advice.
How frequently does MCBI data refresh on this page?
MCBI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MCBI's recent stock price performance?
Mountain Commerce Bancorp, Inc. (MCBI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and reputation in the banking sector. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MCBI overvalued or undervalued right now?
Valuing Mountain Commerce Bancorp, Inc. (MCBI) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MCBI?
Before investing in Mountain Commerce Bancorp, Inc. (MCBI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial information is based on the latest available data and may be subject to change.