Madison County Financial (OTCMKTS:MCBK) vs. Truxton (OTCMKTS:TRUX) Critical Survey

Profitability

This table compares Truxton and Madison County Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Truxton	24.00%	N/A	N/A
Madison County Financial	N/A	N/A	N/A

Dividends

Truxton pays an annual dividend of $3.52 per share and has a dividend yield of 3.6%. Madison County Financial pays an annual dividend of $0.61 per share and has a dividend yield of 1.9%. Truxton pays out 43.8% of its earnings in the form of a dividend.

Volatility & Risk

Truxton has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, Madison County Financial has a beta of 0.09, indicating that its share price is 91% less volatile than the S&P 500.

Institutional and Insider Ownership

0.3% of Truxton shares are held by institutional investors. 16.9% of Madison County Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Truxton and Madison County Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Truxton	$92.29 million	3.02	$21.48 million	$8.04	12.00
Madison County Financial	$32.34 million	2.64	$6.50 million	N/A	N/A

Truxton has higher revenue and earnings than Madison County Financial.

Summary

Truxton beats Madison County Financial on 7 of the 9 factors compared between the two stocks.

About Truxton

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions in the United States. The company offers deposit products, including demand, money market accounts, and certificates of deposit. It also provides lending products, such as residential and commercial real estate mortgages, commercial loans, construction and land development loans, commercial and industrial loans, operating lines of credit, and loans to individual. In addition, the company offers strategic and capital advisory services, business banking, and treasury management services; and insurance products. The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.

About Madison County Financial

Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers checking, money market savings, savings, and individual retirement accounts; certificates of deposit; credit and debit cards; home loans; and consumer loans, including home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; and commercial real estate, construction, investment property, and working capital loans, as well as equipment financing services. In addition, it offers online and mobile banking, and merchant services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.