MetroCity Bankshares Inc (MCBS)
NASDAQ:MCBS
MCBS Stock Chart & Stats
$28.68
-$0.16(-0.52%)
At close: 4:00 PM EST
$28.68
-$0.16(-0.52%)
Day’s Range― - ―
52-Week Range$24.24 - $31.06
Previous CloseN/A
Volume6.16K
Average Volume (3M)36.91K
Market Cap
$824.70M
Enterprise Value$990.81M
Total Cash (Recent Filing)$418.01M
Total Debt (Recent Filing)$540.61M
Price to Earnings (P/E)9.7
Beta0.92
Next Earnings
Apr 17, 2026EPS Estimate
0.77Next Dividend Ex-DateN/A
Dividend Yield3.55%
Share Statistics
EPS (TTM)0.68
Shares Outstanding28,755,228
10 Day Avg. Volume42,724
30 Day Avg. Volume36,907
Financial Highlights & Ratios
PEG Ratio2.13
Price to Book (P/B)1.27
Price to Sales (P/S)2.91
P/FCF Ratio5.04
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue4.15
Enterprise Value/Gross Profit6.65
Enterprise Value/Ebitda10.37
Forecast
1Y Price Target
$32.00Price Target Upside11.58% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.05
Revenue Forecast (FY)$209.10M
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Recent Margin StrengthSustained revenue expansion and a large step-up in 2025, together with healthy 2024–2025 net margins, indicate a strengthening core franchise and rising loan and fee income. This durable top-line momentum supports scale, recurring earnings, and longer-term capital generation for growth and returns.
Strong Operating Cash Generation In 2025Operating cash flow's sharp rebound in 2025 and FCF tracking net income demonstrate the bank's ability to convert earnings into cash. Durable cash conversion supports dividend payments, funding of organic growth and acquisitions, and provides a buffer against short-term funding stress.
Completed Acquisition Expanding FootprintA completed acquisition reflects strategic inorganic growth to broaden customer relationships and assets. Integration can raise scale, diversify loan mix, and accelerate revenue synergies over multiple quarters, strengthening long-term competitive positioning in regional banking markets.
Bears Say
Upward Drift In LeverageRising leverage alongside rapid asset expansion reduces financial flexibility and increases sensitivity to credit shocks or deposit stress. For a regional bank, higher leverage limits the cushion against loan losses and can constrain capital actions or growth if macro or credit conditions deteriorate.
Volatile Cash Flow HistoryRepeated year-to-year swings in free cash flow mean earnings are less predictable and can complicate capital planning. Volatility raises the risk of dividend pressure or constrained reinvestment in lean years, weakening the bank's ability to reliably fund growth or absorb shocks.
Margin Compression From Peak LevelsMeaningful margin compression versus 2021–2022 peaks implies earnings are more exposed to net interest margin swings and fee volatility. Lower margin resiliency reduces the buffer against rising funding costs or higher credit provisions, pressuring long-term earnings stability.
MetroCity Bankshares News
MCBS FAQ
What was MetroCity Bankshares Inc’s price range in the past 12 months?
MetroCity Bankshares Inc lowest stock price was $24.24 and its highest was $31.06 in the past 12 months.
What is MetroCity Bankshares Inc’s market cap?
MetroCity Bankshares Inc’s market cap is $824.70M.
When is MetroCity Bankshares Inc’s upcoming earnings report date?
MetroCity Bankshares Inc’s upcoming earnings report date is Apr 17, 2026 which is in 21 days.
How were MetroCity Bankshares Inc’s earnings last quarter?
MetroCity Bankshares Inc released its earnings results on Jan 30, 2026. The company reported $0.68 earnings per share for the quarter, missing the consensus estimate of $0.73 by -$0.05.
Is MetroCity Bankshares Inc overvalued?
According to Wall Street analysts MetroCity Bankshares Inc’s price is currently Undervalued.
Does MetroCity Bankshares Inc pay dividends?
MetroCity Bankshares Inc pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 3.55%. See more information on MetroCity Bankshares Inc dividends here
What is MetroCity Bankshares Inc’s EPS estimate?
MetroCity Bankshares Inc’s EPS estimate is 0.77.
How many shares outstanding does MetroCity Bankshares Inc have?
MetroCity Bankshares Inc has 28,755,228 shares outstanding.
What happened to MetroCity Bankshares Inc’s price movement after its last earnings report?
MetroCity Bankshares Inc reported an EPS of $0.68 in its last earnings report, missing expectations of $0.73. Following the earnings report the stock price went up 2.774%.
Which hedge fund is a major shareholder of MetroCity Bankshares Inc?
Currently, no hedge funds are holding shares in MCBS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
MetroCity Bankshares Stock Smart Score
Neutral
1
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10
Analyst Consensus
Hold
Average Price Target:
$32.00 (11.58% Upside)
$32.00 (11.58% Upside)
Hedge Fund Trend
Decreased
By 62.0 Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.13%
12-Months-Change
Fundamentals
Return on Equity
14.82%
Trailing 12-Months
Asset Growth
32.67%
Trailing 12-Months
Company Description
MetroCity Bankshares Inc
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and online banking, treasury management, wire transfer, automated clearing house, and cash management services. It serves small to medium-sized businesses, individuals, businesses, municipalities, and other entities. The company operates 19 full-service branch locations in Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia. The company was founded in 2006 and is headquartered in Doraville, Georgia.
MCBS Stock 12 Month Forecast
Average Price Target
$32.00
▲(11.58% Upside)
Technical Analysis
Capital City Bank
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Hanmi Financial
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Mercantile Bank
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TrustCo Bank
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Hometrust Bancshares
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Ownership Overview
20.34% Insiders
6.80% Mutual Funds
0.96% Other Institutional Investors
62.68% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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