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
$937.76M
Enterprise Value$1.00B
Total Cash (Recent Filing)$373.96M
Total Debt (Recent Filing)$439.52M
Price to Earnings (P/E)9.2
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 Profit6.38
Enterprise Value/Ebitda10.39
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
Strong Profitability (ROE & Margins)High TTM net margins (~30%) and ROE (~15%) indicate efficient core banking returns and disciplined lending. That level of profitability supports internal capital generation, funds dividends and cushions downside, making earnings more durable across normal rate and credit cycles.
Improved Leverage / Balance SheetReduction in debt-to-equity to roughly 0.79 shows meaningful deleveraging versus elevated prior levels. Lower leverage improves capital flexibility and reduces funding risk, strengthening regulatory buffers and enabling lending or strategic investment without immediate equity raises.
Consistent Capital Return PolicyA recurring quarterly cash dividend signals capital-return discipline and management confidence in earnings and the balance sheet. Regular dividends attract income-focused investors, impose allocation rigor, and support stable shareholder expectations over the medium term.
Bears Say
Margin Compression From Peak YearsObserved margin compression relative to 2021–2022 reduces the bank's ability to convert asset growth into net income. If narrower spreads persist, sustaining prior ROE and dividend levels requires offsetting actions like higher fees, loan repricing or material cost reductions.
Volatile Cash Flow And Coverage MetricsYear-to-year free cash flow volatility, including negative growth in 2023–2024 and inconsistent operating coverage (a 0.0 TTM reading), undermines predictability of internal funding. This complicates debt servicing and capital returns and can force reliance on external financing in downturns.
Interim CFO And Leadership TransitionThe CFO resignation and interim appointment create governance and execution risk during a finance leadership transition. Even with an experienced interim officer, prolonged turnover can delay strategic finance initiatives, capital planning and create incremental regulatory or investor uncertainty.
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 $937.76M.
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 68 days.
How were MetroCity Bankshares Inc’s earnings last quarter?
MetroCity Bankshares Inc released its earnings results on Apr 24, 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 down -0.252%.
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:
$35.00 (7.16% Upside)
$35.00 (7.16% 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
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
6.83% Mutual Funds
0.17% Other Institutional Investors
62.42% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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