Mountain Commerce Bancorp (MCBI) AI Stock Analysis

• Market Cap: $126.90M
• Dividend Yield: 1%
• Average Volume (3M): 6.58K
• Price to Earnings (P/E): 13.1
• Beta (1Y): -0.10
• Revenue Growth: 6.43%
• EPS Growth: 56.97%
• Country: US
• Employees: 108
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.52
• Shares Outstanding: 6,372,323
• 10 Day Avg. Volume: 5,151
• 30 Day Avg. Volume: 6,577
• PEG Ratio: 0.23
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.40
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 2.10
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

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 faces challenges with declining revenue and profitability margins, as well as reduced cash flows. While leverage remains stable, these financial metrics suggest potential risks that need addressing for sustained financial health.

Income Statement

The company shows a decreasing revenue trend with a revenue decline from $49.2M in 2022 to $33.0M in 2023. The Net Profit Margin dropped from 37.5% in 2022 to 20.9% in 2023. This signifies pressure on profitability. The EBIT and EBITDA Margins have also decreased, indicating challenges in maintaining operational efficiency.

Balance Sheet

The Debt-to-Equity Ratio slightly increased from 1.06 in 2022 to 1.06 in 2023, showcasing a stable leverage position. Stockholders' Equity improved marginally, indicating steady equity growth. However, the Equity Ratio decreased from 7.3% in 2022 to 7.1% in 2023, suggesting a slight decline in financial stability.

Cash Flow

Operating Cash Flow decreased significantly from $23.8M in 2022 to $8.3M in 2023, resulting in a negative Free Cash Flow of $-11.2M. The Free Cash Flow to Net Income Ratio turned negative, highlighting cash flow management issues. The Operating Cash Flow to Net Income Ratio also deteriorated.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
33.02M	49.20M	46.18M	37.86M	31.40M
	Gross Profit
84.67M	49.20M	46.18M	37.86M	31.40M
	EBIT
11.29M	34.48M	30.37M	13.08M	16.59M
	EBITDA
9.82M	24.41M	30.86M	13.60M	17.20M
	Net Income Common Stockholders
6.91M	18.44M	23.62M	10.17M	12.35M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
68.88M	216.06M	224.78M	149.66M	69.71M
	Total Assets
1.74B	1.60B	1.33B	1.11B	906.69M
	Total Debt
129.92M	124.86M	96.82M	73.77M	50.99M
	Net Debt
61.04M	46.22M	27.96M	1.40M	28.18M
	Total Liabilities
1.61B	1.48B	1.21B	1.01B	815.66M
	Stockholders Equity
122.79M	117.27M	121.06M	103.84M	91.02M
Cash Flow		Free Cash Flow
-11.16M	3.19M	16.63M	18.66M	11.98M
	Operating Cash Flow
8.31M	23.76M	22.90M	19.64M	12.39M
	Investing Cash Flow
-144.31M	-276.74M	-232.25M	-150.59M	-55.44M
	Financing Cash Flow
126.24M	262.76M	203.32M	186.72M	40.21M

Mountain Commerce Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.92
• 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 19.92 is below the 20-day moving average (MA) of 19.93, below the 50-day MA of 20.21, and below the 200-day MA of 20.49, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 55.61 is Neutral, neither overbought nor oversold. The STOCH value of 80.63 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	72 Outperform	$126.78M	11.45	8.80%	2.94%	7.38%	-3.85%
FNWD	72 Outperform	$133.24M	39.89	2.18%	1.17%	-7.64%	-78.60%
SFBC	68 Neutral	$131.72M	26.40	4.90%	1.48%	8.04%	-16.15%
Sector *	64 Neutral	$12.61B	9.79	7.95%	16985.69%	12.77%	-3.98%
MCBI	61 Neutral	$126.90M	13.06	7.37%	1.00%	6.43%	56.97%
RVSB	60 Neutral	$133.83M	27.41	3.11%	1.25%	9.61%	29.84%
RBKB	51 Neutral	$126.70M	―	-6.20%	―	-17.91%	-257.99%