` Comparison: MCBK vs ACT - Alpha Spread
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MCBK
vs
ACT

Over the past 12 months, MCBK has underperformed ACT, delivering a return of +14% compared to the ACT's +28% growth.

Valuation Growth Profitability Solvency Stocks Performance
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MCBK
ACT
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Stocks Compared:
MCBK ACT
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Valuation Comparison

MCBK Intrinsic Value
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ACT Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Madison County Financial Inc
OTC:MCBK
28.75 USD
Enact Holdings Inc
NASDAQ:ACT
43.04 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
MCBK, ACT

MCBK
ACT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Madison County Financial Inc
Revenue
Enact Holdings Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
MCBK, ACT

MCBK
ACT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Madison County Financial Inc
OTC:MCBK
FCF is not applicable for financial companies
Enact Holdings Inc
NASDAQ:ACT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MCBK
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Madison County Financial Inc
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Operating Margin

MCBK
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Madison County Financial Inc
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Net Margin

MCBK
44.5%
ACT
53.9%

FCF Margin

MCBK
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Madison County Financial Inc
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

ROE

MCBK
9.1%
ACT
12.7%

ROA

MCBK
1.6%
ACT
9.8%

ROIC

MCBK
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Madison County Financial Inc
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

ROCE

MCBK
ACT
LTM 3Y Avg 5Y Avg 10Y Avg
Madison County Financial Inc
Not applicable for financial companies
Enact Holdings Inc
Not applicable for financial companies

Solvency Comparison

Madison County Financial Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Enact Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MCBK, ACT

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MCBK
ACT
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Performance Gap
MCBK, ACT

Performance Gap Between MCBK and ACT
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Performance By Year
MCBK, ACT

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MCBK
ACT
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