Mountain Commerce Bancorp (MCBI) AI Stock Analysis

• Market Cap: $128.34M
• Dividend Yield: 1.39%
• Average Volume (3M): 2.86K
• Price to Earnings (P/E): 13.2
• Beta (1Y): -0.10
• Revenue Growth: 6.43%
• EPS Growth: 56.97%
• Country: US
• Employees: 108
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.35
• Shares Outstanding: 6,372,323
• 10 Day Avg. Volume: 2,790
• 30 Day Avg. Volume: 2,857
• PEG Ratio: -0.44
• Price to Book (P/B): 1.47
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 53.91
• Enterprise Value/Market Cap: 1.70
• Enterprise Value/Revenue: 0.64
• Enterprise Value/Gross Profit: 3.39
• Enterprise Value/Ebitda: 2.37
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 61 Neutral
• Price Target: ―

Mountain Commerce Bancorp's strength in profitability and low leverage are offset by declining revenue growth and cash flow challenges. Technical indicators signal caution due to bearish momentum and mixed signals. The fair valuation and dividend provide some positives, but the company must address revenue and cash flow issues to enhance its overall financial health.

Mountain Commerce Bancorp Business Overview & Revenue Model

Company Description

Mountain Commerce Bancorp (MCBI) is a financial services holding company headquartered in Knoxville, Tennessee. It operates primarily through its wholly-owned subsidiary, Mountain Commerce Bank, which provides a range of banking products and services. The bank focuses on delivering personalized financial solutions, including commercial and consumer banking, mortgage lending, and wealth management services, to individuals, small to medium-sized businesses, and professionals in its local communities.

How the Company Makes Money

Mountain Commerce Bancorp generates revenue primarily through its subsidiary, Mountain Commerce Bank, by offering a variety of financial products and services. The bank earns money from interest income on loans and securities, which is a significant revenue stream. Interest is collected from commercial and consumer loans, mortgages, and other credit products provided to customers. Additionally, the bank generates non-interest income through fees and charges related to deposit accounts, transaction processing, and other banking services. Wealth management and advisory services also contribute to the bank's earnings. The company's profitability is influenced by factors such as interest rate fluctuations, loan demand, and the overall economic environment in its operating regions.

Mountain Commerce Bancorp Financial Statement Overview

Summary

Mountain Commerce Bancorp shows strong profitability with a 24.75% net profit margin and low leverage with a debt-to-equity ratio of 0.26. However, revenue growth is negative, and cash flow management is a concern due to zero free cash flow in the latest period. The company needs to improve revenue and cash flow generation for better financial health.

Income Statement

Mountain Commerce Bancorp shows a stable income statement with a notable improvement in net income from the previous year. The gross profit margin is consistent as total revenue equals gross profit. The company has achieved a net profit margin of 24.75% for the latest period, which reflects strong profitability. However, the revenue growth rate is negative, indicating a decline in revenue compared to the previous year.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.26, indicating low leverage. The equity ratio of 7.58% suggests a modest level of equity financing. Return on equity is strong at 6.74%, showing effective use of equity. However, the company's equity position could be stronger to enhance financial stability.

Cash Flow

The cash flow statement shows challenges with free cash flow, which was zero for the latest period, indicating cash flow constraints. The operating cash flow to net income ratio is unavailable, creating uncertainty about cash flow quality. Historical data shows fluctuations in free cash flow, requiring attention to cash management practices.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	36.06M	33.02M	49.20M	46.18M	37.86M
Gross Profit	36.06M	33.02M	49.20M	46.18M	37.86M
EBITDA	11.50M	9.82M	24.41M	30.86M	13.60M
Net Income	8.92M	6.91M	18.44M	23.62M	10.17M
Balance Sheet
Total Assets	1.75B	1.74B	1.60B	1.33B	1.11B
Cash, Cash Equivalents and Short-Term Investments	75.54M	68.88M	216.06M	224.78M	149.66M
Total Debt	33.97M	129.92M	124.86M	96.82M	73.77M
Total Liabilities	1.61B	1.61B	1.48B	1.21B	1.01B
Stockholders Equity	132.35M	122.79M	117.27M	121.06M	103.84M
Cash Flow
Free Cash Flow	0.00	-11.16M	3.19M	16.63M	18.66M
Operating Cash Flow	10.40M	8.31M	23.76M	22.90M	19.64M
Investing Cash Flow	0.00	-144.31M	-276.74M	-232.25M	-150.59M
Financing Cash Flow	0.00	126.24M	262.76M	203.32M	186.72M

Mountain Commerce Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.14
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCBI, the sentiment is Positive. The current price of 20.14 is above the 20-day moving average (MA) of 19.78, above the 50-day MA of 19.94, and below the 200-day MA of 20.60, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 60.03 is Neutral, neither overbought nor oversold. The STOCH value of 82.99 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCBI.

Mountain Commerce Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	73 Outperform	$125.74M	11.37	8.80%	3.11%	7.28%	-3.91%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
FNWD	63 Neutral	$122.20M	36.76	2.18%	1.70%	-7.58%	-78.69%
SFBC	62 Neutral	$121.07M	24.25	4.90%	1.61%	8.04%	-16.23%
MCBI	61 Neutral	$128.34M	13.21	7.37%	1.39%	6.43%	56.97%
RBKB	58 Neutral	$132.96M	―	-6.20%	―	-17.91%	-257.99%
RVSB	57 Neutral	$120.61M	24.70	3.11%	1.39%	9.61%	29.84%