Mountain Commerce Bancorp (MCBI)
OTHER OTC:MCBI
Top Page
Mountain Commerce Bancorp
(OTC:MCBI)
Select Model
Select Model
Rating:59Neutral
Price Target:
$23.50
â–¼(-0.63% Downside)
Action:ReiteratedDate:03/28/26
The score is driven primarily by financial performance that is profitable and improving in 2025 but historically volatile, which limits confidence. Technical indicators are mixed with mildly negative momentum, while valuation is moderate with a modest dividend yield.
Positive Factors
Revenue rebound & profitability
A strong revenue rebound and positive net margin in 2025 show the core commercial lending and deposit franchise can generate profitable revenue after stress. Durable profitability supports retained earnings, capital build, and reinvestment into loan originations and customer services over the next several quarters.
Negative Factors
Historical earnings volatility
Material multi-year volatility in revenue, margins and cash flow reduces predictability of earnings and capital planning. For a regional bank, inconsistent performance complicates credit provisioning, dividend policy and strategic investment, raising execution risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound & profitability
A strong revenue rebound and positive net margin in 2025 show the core commercial lending and deposit franchise can generate profitable revenue after stress. Durable profitability supports retained earnings, capital build, and reinvestment into loan originations and customer services over the next several quarters.
Read all positive factors
Mountain Commerce Bancorp (MCBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$145.44M
Dividend Yield1.12%
Average Volume (3M)11.48K
Price to Earnings (P/E)12.8
Beta (1Y)-0.05
Revenue Growth2.25%
EPS Growth69.86%
CountryUS
Employees108
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.37
Shares Outstanding6,384,568
10 Day Avg. Volume1,044
30 Day Avg. Volume11,477
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)0.98
Price to Sales (P/S)1.51
P/FCF Ratio10.39
Enterprise Value/Market Cap0.92
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit3.41
Enterprise Value/Ebitda10.33
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mountain Commerce Bancorp Business Overview & Revenue Model
Company Description
Mountain Commerce Bancorp, Inc. operates as the holding company for Mountain Commerce Bank that provides banking services for small- and medium-sized businesses, professionals, and affluent individuals. It offers checking and savings accounts; cer...
How the Company Makes Money
MCBI makes money primarily through its banking subsidiary by (1) earning net interest income—the spread between interest income on loans and other interest-earning assets and interest expense paid on deposits and other borrowings—and (2) generatin...
Mountain Commerce Bancorp Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 80.22M | 95.15M | 36.06M | 33.02M | 59.85M | 50.06M |
| Gross Profit | 39.16M | 41.19M | 36.06M | 33.02M | 46.98M | 48.80M |
| EBITDA | 12.93M | 16.32M | 11.50M | 9.82M | 24.41M | 30.86M |
| Net Income | 10.07M | 11.19M | 8.92M | 6.91M | 18.44M | 23.62M |
Balance Sheet | ||||||
| Total Assets | 1.81B | 1.77B | 1.75B | 1.74B | 1.60B | 1.33B |
| Cash, Cash Equivalents and Short-Term Investments | 234.33M | 189.04M | 75.54M | 199.10M | 216.06M | 224.78M |
| Total Debt | 70.00M | 68.00M | 23.97M | 129.92M | 124.86M | 96.82M |
| Total Liabilities | 1.67B | 1.63B | 1.61B | 1.61B | 1.48B | 1.21B |
| Stockholders Equity | 138.26M | 145.62M | 132.35M | 122.79M | 117.27M | 121.06M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 13.79M | 135.00K | -11.16M | 3.19M | 16.63M |
| Operating Cash Flow | 0.00 | 14.29M | 10.40M | 8.31M | 23.76M | 22.90M |
| Investing Cash Flow | 0.00 | -19.34M | 0.00 | -144.31M | -276.74M | -232.25M |
| Financing Cash Flow | 0.00 | 9.45M | -2.89M | 126.24M | 262.76M | 203.32M |
Mountain Commerce Bancorp Technical Analysis
Neutral
23.65
Price Trends
23.32
Negative
23.19
Negative
21.81
Positive
Market Momentum
-0.15
Negative
51.32
Neutral
84.90
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCBI, the sentiment is Neutral. The current price of 23.65 is above the 20-day moving average (MA) of 22.31, above the 50-day MA of 23.32, and above the 200-day MA of 21.81, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 51.32 is Neutral, neither overbought nor oversold. The STOCH value of 84.90 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MCBI.
Mountain Commerce Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $170.06M | 10.47 | 8.06% | 2.93% | 6.10% | 59.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $132.79M | 10.15 | 10.29% | 2.69% | 10.78% | 21.72% | |
62 Neutral | $142.50M | 11.71 | 8.43% | 4.29% | 7.54% | 25.25% | |
59 Neutral | $145.44M | 12.81 | 7.95% | 1.12% | 2.25% | 69.86% | |
50 Neutral | $163.87M | -11.07 | -4.00% | 7.74% | -8.73% | -95.86% |
* Financial Sector Average
MCBI
Mountain Commerce Bancorp
22.78
3.10
15.74%
BCBP
BCB Bancorp
9.44
0.82
9.53%
EBMT
Eagle Bancorp Montana
21.35
6.30
41.84%
SBFG
SB Financial Group
21.07
3.36
18.95%
RMBI
Richmond Mutual Bancorporation
13.57
1.92
16.43%
ECBK
ECB Bancorp, Inc.
17.04
2.29
15.53%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.