MetroCity Bankshares Inc (MCBS)
NASDAQ:MCBS
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MetroCity Bankshares
(NASDAQ:MCBS)
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Rating:75Outperform
Price Target:
$37.00
â–²(13.29% Upside)
Action:Reiterated
Date:05/23/26
The score is driven primarily by solid financial performance (healthy profitability, ROE, and improved leverage) and an attractive valuation (low P/E and ~3.19% dividend yield). Technicals add support with an established uptrend and moderate positive momentum, while corporate events are favorable but incremental.
Positive Factors
Profitability and ROE
Sustained 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.
Negative Factors
Uneven revenue growth
Inconsistent 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability and ROE
Sustained 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.
Read all positive factors
MetroCity Bankshares (MCBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$989.92M
Dividend Yield3.55%
Average Volume (3M)36.91K
Price to Earnings (P/E)13.2
Beta (1Y)0.92
Revenue Growth10.15%
EPS Growth7.32%
CountryUS
Employees240
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.01
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
MetroCity Bankshares Business Overview & Revenue Model
Company Description
MetroCity Bankshares, Inc. functions as the parent company for Metro City Bank, delivering a comprehensive suite of banking and financial solutions throughout the United States. Its services cater to a diverse client base, including individuals, s...
How the Company Makes Money
MetroCity Bankshares primarily makes money through its banking subsidiary by earning interest income and fee-based income. The largest driver is net interest income: the bank collects interest on its loan portfolio (for example, commercial and con...
MetroCity Bankshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 251.84M | 237.03M | 234.43M | 209.38M | 162.29M | 139.21M |
| Gross Profit | 157.37M | 146.97M | 139.15M | 118.05M | 137.44M | 127.71M |
| EBITDA | 96.54M | 92.93M | 90.27M | 74.66M | 95.09M | 85.43M |
| Net Income | 74.72M | 68.70M | 64.50M | 51.61M | 62.60M | 61.70M |
Balance Sheet | ||||||
| Total Assets | 4.69B | 4.77B | 3.59B | 3.50B | 3.43B | 3.11B |
| Cash, Cash Equivalents and Short-Term Investments | 400.57M | 418.01M | 253.73M | 160.65M | 170.21M | 458.26M |
| Total Debt | 439.52M | 540.61M | 382.94M | 335.46M | 384.28M | 510.32M |
| Total Liabilities | 4.13B | 4.22B | 3.17B | 3.12B | 3.08B | 2.82B |
| Stockholders Equity | 554.16M | 544.36M | 421.35M | 381.52M | 349.42M | 290.22M |
Cash Flow | ||||||
| Free Cash Flow | 65.57M | 137.01M | 62.22M | 77.17M | 132.34M | 65.05M |
| Operating Cash Flow | 66.18M | 137.01M | 63.50M | 82.10M | 134.69M | 65.43M |
| Investing Cash Flow | 226.35M | -109.98M | 5.87M | -110.27M | -651.82M | -930.55M |
| Financing Cash Flow | -189.98M | -27.84M | 35.70M | -6.51M | 255.27M | 1.16B |
MetroCity Bankshares Technical Analysis
Positive
32.66
Price Trends
31.72
Positive
29.94
Positive
28.36
Positive
Market Momentum
0.60
Negative
67.33
Neutral
75.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCBS, the sentiment is Positive. The current price of 32.66 is above the 20-day moving average (MA) of 32.60, above the 50-day MA of 31.72, and above the 200-day MA of 28.36, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 67.33 is Neutral, neither overbought nor oversold. The STOCH value of 75.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCBS.
MetroCity Bankshares Risk Analysis
MetroCity Bankshares disclosed 5 risk factors in its most recent earnings report. MetroCity Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MetroCity Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $791.97M | 13.11 | 11.10% | 2.33% | 2.56% | 5.05% | |
76 Outperform | $929.01M | 11.42 | 10.31% | 3.82% | 4.21% | 26.10% | |
75 Outperform | $989.92M | 13.22 | 15.09% | 3.55% | 10.15% | 7.32% | |
74 Outperform | $955.70M | 15.43 | 9.21% | 3.48% | 6.30% | 27.79% | |
72 Outperform | $939.38M | 10.20 | 13.36% | 3.05% | 4.55% | 16.09% | |
72 Outperform | $798.25M | 11.83 | 11.25% | 1.12% | -1.41% | 23.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
MCBS
MetroCity Bankshares
34.54
7.29
26.73%
CCBG
Capital City Bank
46.31
9.26
24.99%
HAFC
Hanmi Financial
31.21
8.56
37.80%
MBWM
Mercantile Bank
54.38
10.69
24.46%
TRST
TrustCo Bank
54.69
23.73
76.66%
HTB
Hometrust Bancshares
47.50
11.74
32.83%
MetroCity Bankshares Corporate Events
Executive/Board ChangesShareholder Meetings
MetroCity Bankshares Shareholders Back Board, Governance Proposals
Positive
May 22, 2026
On May 21, 2026, MetroCity Bankshares, Inc. held its 2026 Annual Meeting of Shareholders, with 71.19% of outstanding common shares represented, establishing a quorum and enabling votes on director elections and other key governance matters. Shareh...
Dividends
MetroCity Bankshares Declares Quarterly Cash Dividend for Shareholders
Positive
Apr 15, 2026
On April 15, 2026, MetroCity Bankshares, Inc. announced that its board of directors declared a quarterly cash dividend of $0.29 per share on its common stock. The dividend will be paid on May 8, 2026, to shareholders of record as of April 29, 2026...
Executive/Board Changes
MetroCity Bankshares Names Farid Tan Interim CFO
Neutral
Mar 26, 2026
On March 23, 2026, MetroCity Bankshares announced that Executive Vice President and Chief Financial Officer Lucas Stewart had resigned from both the company and its wholly owned subsidiary, Metro City Bank, effective April 3, 2026. On March 24, 20...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.