MetroCity Bankshares Inc (MCBS)
NASDAQ:MCBS
Want to see MCBS full AI Analyst Report?
Top Page
MetroCity Bankshares
(NASDAQ:MCBS)
Select Model
Select Model
Rating:77Outperform
Price Target:
$37.00
â–²(13.29% Upside)
Action:Reiterated
Date:05/09/26
MCBS scores well primarily due to solid underlying financial performance (strong profitability/ROE with improved leverage) and attractive valuation (low P/E with a ~3.18% yield). Technicals add support with a bullish moving-average setup and positive momentum indicators, while cash flow volatility and margin compression versus prior peak years keep the score from being higher.
Positive Factors
Strong profitability and ROE
TTM net margin near 30% and ROE ~15% indicate the bank generates durable earnings on core lending and fee activities. Sustained high margins and returns support internal capital formation, dividend capacity and strategic reinvestment, providing a stable earnings foundation over months.
Negative Factors
Margin compression from earlier highs
Margins have contracted from 2021-2022 highs, reducing the cushion for credit losses and limiting incremental earnings power from new assets. Persistent compression would strain ROE and dividend sustainability, forcing tougher cost or pricing actions to restore historical profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and ROE
TTM net margin near 30% and ROE ~15% indicate the bank generates durable earnings on core lending and fee activities. Sustained high margins and returns support internal capital formation, dividend capacity and strategic reinvestment, providing a stable earnings foundation over months.
Read all positive factors
MetroCity Bankshares (MCBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$934.60M
Dividend Yield3.55%
Average Volume (3M)36.91K
Price to Earnings (P/E)9.2
Beta (1Y)0.95
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 Cap1.07
Enterprise Value/Revenue3.97
Enterprise Value/Gross Profit6.36
Enterprise Value/Ebitda10.36
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. 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...
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 | 373.96M | 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
30.42
Positive
29.06
Positive
28.00
Positive
Market Momentum
0.37
Positive
60.25
Neutral
46.13
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 31.96, above the 50-day MA of 30.42, and above the 200-day MA of 28.00, indicating a bullish trend. The MACD of 0.37 indicates Positive momentum. The RSI at 60.25 is Neutral, neither overbought nor oversold. The STOCH value of 46.13 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 | $934.60M | 9.19 | 15.09% | 3.55% | 10.15% | 7.32% | |
77 Outperform | $795.04M | 11.77 | 11.10% | 2.33% | 2.56% | 5.05% | |
77 Outperform | $895.37M | 8.66 | 10.31% | 3.82% | 4.21% | 26.10% | |
74 Outperform | $878.63M | 11.97 | 9.21% | 3.48% | 6.30% | 27.79% | |
72 Outperform | $782.29M | 10.54 | 11.25% | 1.12% | -1.41% | 23.15% | |
70 Outperform | $898.44M | 9.77 | 13.36% | 3.05% | 4.55% | 16.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
MCBS
MetroCity Bankshares
32.61
5.49
20.24%
CCBG
Capital City Bank
46.49
9.18
24.61%
HAFC
Hanmi Financial
30.08
7.97
36.04%
MBWM
Mercantile Bank
52.01
8.90
20.64%
TRST
TrustCo Bank
50.28
20.38
68.16%
HTB
Hometrust Bancshares
46.55
11.70
33.57%
MetroCity Bankshares Corporate Events
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.