MetroCity Bankshares Inc (MCBS)
NASDAQ:MCBS
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MCBS Stock Chart & Stats
$32.66
-$0.16(-0.52%)
At close: 4:00 PM EST
$32.66
-$0.16(-0.52%)
Day’s Range― - ―
52-Week Range$24.53 - $33.08
Previous CloseN/A
Volume6.16K
Average Volume (3M)36.91K
Market Cap
$896.30M
Enterprise Value$1.11B
Total Cash (Recent Filing)$418.01M
Total Debt (Recent Filing)$540.61M
Price to Earnings (P/E)10.0
Beta0.90
Next Earnings
Jul 17, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.55%
Share Statistics
EPS (TTM)N/A
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 Cap1.24
Enterprise Value/Revenue4.65
Enterprise Value/Gross Profit7.46
Enterprise Value/Ebitda11.62
Forecast
1Y Price Target
$33.00Price Target Upside1.04% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.24
Revenue Forecast (FY)$209.10M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthMetroCity shows sustained multi-year revenue growth with a pronounced step-up in 2025. Durable top-line expansion supports larger loan originations, scale benefits in fee income and expense absorption, and provides a structural base for earnings growth even if margins normalize.
Cash GenerationThe business converts earnings into cash reliably in the latest period, with operating cash flow rebounding sharply in 2025. Strong cash conversion underpins dividend capacity, internal funding for loan growth, and the ability to absorb higher provisions without immediate reliance on external capital.
Capital Return / Dividend PolicyManagement has raised the quarterly dividend twice in 2026, signaling confidence in capital strength and earnings durability. A consistent payout policy supports investor confidence, suggests adequate capital buffers, and indicates disciplined allocation between growth and shareholder returns.
Bears Say
Margin CompressionNet margins have meaningfully compressed versus the 2021–2022 peak, reducing the earnings cushion. Persistent margin pressure makes profitability more sensitive to rising funding costs or lower loan yields and narrows room to absorb credit losses while maintaining ROE targets.
Rising LeverageLeverage has trended higher through 2023–2025, with debt near equity levels in 2025. Elevated leverage reduces capital flexibility, raises regulatory and funding vulnerability, and magnifies downside risk to equity returns if asset quality deteriorates or provisioning needs rise.
Volatile Cash FlowAlthough 2025 showed a strong cash rebound, free cash flow has been uneven across the cycle. This volatility complicates long-range capital planning, increases uncertainty around sustainable dividends and organic growth funding, and may force reliance on external financing in stress periods.
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 $24.53 and its highest was $33.08 in the past 12 months.
What is MetroCity Bankshares Inc’s market cap?
MetroCity Bankshares Inc’s market cap is $896.30M.
When is MetroCity Bankshares Inc’s upcoming earnings report date?
MetroCity Bankshares Inc’s upcoming earnings report date is Jul 17, 2026 which is in 89 days.
How were MetroCity Bankshares Inc’s earnings last quarter?
Currently, no data Available
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 for its next earnings report is not yet available.
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?
Currently, no data Available
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
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10
Analyst Consensus
Hold
Average Price Target:
$33.00 (1.04% Upside)
$33.00 (1.04% 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
$33.00
▲(1.04% 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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