Chesapeake Financial Shares (OTCMKTS:CPKF) vs. Madison County Financial (OTCMKTS:MCBK) Critical Comparison

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Madison County Financial	N/A	N/A	N/A
Chesapeake Financial Shares	9.78%	14.64%	1.07%

Insider and Institutional Ownership

3.7% of Chesapeake Financial Shares shares are held by institutional investors. 16.9% of Madison County Financial shares are held by company insiders. Comparatively, 39.5% of Chesapeake Financial Shares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares Madison County Financial and Chesapeake Financial Shares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Madison County Financial	$29.54 million	2.71	$3.82 million	N/A	N/A
Chesapeake Financial Shares	$102.27 million	1.50	$10.00 million	$2.13	15.26

Chesapeake Financial Shares has higher revenue and earnings than Madison County Financial.

Volatility & Risk

Madison County Financial has a beta of 0.12, indicating that its stock price is 88% less volatile than the S&P 500. Comparatively, Chesapeake Financial Shares has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500.

Dividends

Madison County Financial pays an annual dividend of $0.36 per share and has a dividend yield of 1.2%. Chesapeake Financial Shares pays an annual dividend of $0.68 per share and has a dividend yield of 2.1%. Chesapeake Financial Shares pays out 31.9% of its earnings in the form of a dividend.

Summary

Chesapeake Financial Shares beats Madison County Financial on 9 of the 11 factors compared between the two stocks.

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.

About Chesapeake Financial Shares

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. The company accepts interest and noninterest checking, savings, and money market accounts; and variable-rate and fixed-term money market accounts, as well as certificates of deposit. It also offers mortgage, and single-family residential and residential construction loans; commercial loans, which include owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans; and consumer and other loans. In addition, the company provides merchant processing, accounts receivable financing, wealth management and trust, and mortgage banking services, as well as cash management services. The company was founded in 1900 and is based in Kilmarnock, Virginia.