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 - $33.67
Previous CloseN/A
Volume6.16K
Average Volume (3M)36.91K
Market Cap
$936.04M
Enterprise Value$1.00B
Total Cash (Recent Filing)$400.57M
Total Debt (Recent Filing)$439.52M
Price to Earnings (P/E)12.5
Beta0.95
Next Earnings
Jul 17, 2026EPS Estimate
0.82Next Dividend Ex-DateN/A
Dividend Yield3.55%
Share Statistics
EPS (TTM)2.81
Shares Outstanding28,660,042
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 Cap1.07
Enterprise Value/Revenue3.98
Enterprise Value/Gross Profit6.36
Enterprise Value/Ebitda10.38
Forecast
1Y Price Target
$35.00Price Target Upside7.16% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.22
Revenue Forecast (FY)$209.00M
Bulls Say, Bears Say
Bulls Say
Profitability And ROESustained high margins and ~15% ROE provide durable internal capital generation and underwriting cushion. Over 2–6 months this supports dividend payments, lending capacity and resilience to credit cycles, reflecting an entrenched profitable business model rather than a one-off spike.
Improved Leverage And Balance-sheet ResilienceA lower D/E (~0.79) versus prior years reduces funding and regulatory vulnerability, improving flexibility to absorb shocks and support loan growth. This structural improvement enhances capital adequacy and long-term stability, enabling measured capital returns and strategic investments.
Strong Free Cash Flow GenerationFCF nearly matching net income signals effective cash conversion and supports sustainable dividends, debt reduction, and reinvestment without immediate reliance on external capital. Over several months this underpins operational flexibility and funds organic loan/deposit initiatives.
Bears Say
Uneven Revenue GrowthInconsistent top-line momentum complicates forward planning for lending and expense investments; reliance on episodic growth increases execution risk. Over the next 2–6 months this variability can pressure resource allocation, margin planning, and the predictability of earnings.
Volatile Cash Flow MetricsYear-to-year swings in FCF and erratic OCF coverage weaken confidence in recurring cash generation and debt service capacity. Such volatility can force conservative capital actions, restrict lending or trigger tighter liquidity management during adverse cycles over the medium term.
Interim CFO And Finance Leadership TransitionA change in the principal finance officer creates execution and reporting risk during the search for a permanent CFO. Even with an experienced interim, prolonged transition can affect capital planning, regulatory interactions and investor confidence across the coming quarters.
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 $33.67 in the past 12 months.
What is MetroCity Bankshares Inc’s market cap?
MetroCity Bankshares Inc’s market cap is $936.04M.
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 47 days.
How were MetroCity Bankshares Inc’s earnings last quarter?
MetroCity Bankshares Inc released its earnings results on Apr 17, 2026. The company reported $0.77 earnings per share for the quarter, the consensus estimate of $0.77 by $0.
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 0.82.
How many shares outstanding does MetroCity Bankshares Inc have?
MetroCity Bankshares Inc has 28,660,042 shares outstanding.
What happened to MetroCity Bankshares Inc’s price movement after its last earnings report?
MetroCity Bankshares Inc reported an EPS of $0.77 in its last earnings report, expectations of $0.77. Following the earnings report the stock price went up 3.418%.
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:
$35.00 (7.16% Upside)
$35.00 (7.16% Upside)
Blogger Sentiment
Neutral
MCBS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 62.0 Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.13%
12-Months-Change
Fundamentals
Return on Equity
15.09%
Trailing 12-Months
Asset Growth
28.11%
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
$35.00
▲(7.16% 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
20.46% Insiders
7.07% Mutual Funds
1.12% Other Institutional Investors
61.19% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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