MetroCity Bankshares (MCBS) AI Stock Analysis

• Market Cap: $676.49M
• Dividend Yield: 3.75%
• Average Volume (3M): 36.91K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 1.05
• Revenue Growth: 0.54%
• EPS Growth: 11.11%
• Country: US
• Employees: 240
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 25,537,746
• 10 Day Avg. Volume: 42,724
• 30 Day Avg. Volume: 36,907
• PEG Ratio: 0.51
• Price to Book (P/B): 1.92
• Price to Sales (P/S): 3.45
• P/FCF Ratio: 12.99
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 3.98
• Enterprise Value/Gross Profit: 6.49
• Enterprise Value/Ebitda: 10.10
• 1Y Price Target: $31.00
• Price Target Upside: 21.05% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $28.00 ▲(9.33% Upside)

MetroCity Bankshares' strong financial performance and attractive valuation are key strengths, contributing positively to the overall score. However, the technical analysis indicates a bearish trend, which is a significant risk factor. The absence of recent earnings call insights or notable corporate events means these factors do not influence the score.

MetroCity Bankshares Business Overview & Revenue Model

Company Description

MetroCity Bankshares (MCBS) is a financial institution headquartered in the United States, primarily engaged in providing a wide range of banking services. The bank operates through various sectors, including retail banking, commercial banking, and mortgage banking, offering products such as personal and business checking accounts, savings accounts, loans, credit cards, and mortgage services. With a commitment to serving diverse communities, MCBS aims to deliver comprehensive financial solutions to individuals and businesses alike.

How the Company Makes Money

MetroCity Bankshares generates revenue primarily through interest income from loans and fees associated with banking services. The bank earns interest on various types of loans, including personal loans, mortgages, and commercial loans, which typically have higher interest rates than the interest paid on customer deposits. Additionally, MCBS collects fees for services such as account maintenance, ATM usage, wire transfers, and overdraft protection. The bank may also earn revenue through investment activities and partnerships with third-party financial service providers, enhancing its overall earnings and diversifying its income streams.

MetroCity Bankshares Financial Statement Overview

Summary

MetroCity Bankshares exhibits strong financial health with solid profitability and efficient operations. The balance sheet is well-managed with a reasonable debt level, and cash flows are generally robust. However, the slowing revenue growth and declining free cash flow growth could pose challenges if not addressed. Overall, the company is well-positioned but should focus on sustaining growth and managing debt levels.

Income Statement

MetroCity Bankshares demonstrates strong profitability with a consistent gross profit margin above 56% and a net profit margin around 28% in the TTM. Revenue growth has been positive, albeit slowing, indicating a stable revenue base. EBIT and EBITDA margins are healthy, reflecting efficient operations. However, the deceleration in revenue growth could be a concern if it continues.

Balance Sheet

The company maintains a balanced debt-to-equity ratio close to 1, indicating prudent financial leverage. Return on Equity is robust at over 15%, showcasing effective use of equity to generate profits. The equity ratio is stable, suggesting a solid capital structure. However, the increasing trend in debt levels warrants monitoring.

Cash Flow

Operating cash flow remains strong relative to net income, with a ratio above 4 in the TTM, indicating good cash generation. However, free cash flow growth has been negative recently, which could impact future liquidity. The free cash flow to net income ratio is nearly 1, showing efficient cash conversion, but the declining trend in free cash flow growth is a concern.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	234.59M	234.43M	209.38M	162.29M	139.21M	102.96M
Gross Profit	143.75M	139.15M	118.05M	137.44M	127.71M	88.00M
EBITDA	92.43M	90.27M	74.66M	95.09M	85.43M	51.69M
Net Income	66.06M	64.50M	51.61M	62.60M	61.70M	36.39M
Balance Sheet
Total Assets	3.62B	3.59B	3.50B	3.43B	3.11B	1.90B
Cash, Cash Equivalents and Short-Term Investments	288.63M	253.73M	160.65M	170.21M	458.26M	158.86M
Total Debt	433.22M	382.94M	333.65M	384.28M	510.32M	121.39M
Total Liabilities	3.18B	3.17B	3.12B	3.08B	2.82B	1.65B
Stockholders Equity	436.10M	421.35M	381.52M	349.42M	290.22M	244.83M
Cash Flow
Free Cash Flow	33.27M	62.22M	77.17M	132.34M	65.05M	142.02M
Operating Cash Flow	34.14M	63.50M	82.10M	134.69M	65.43M	142.56M
Investing Cash Flow	-46.72M	5.87M	-110.27M	-651.82M	-930.55M	-477.86M
Financing Cash Flow	-29.27M	35.70M	-6.51M	255.27M	1.16B	209.58M

MetroCity Bankshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.61
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCBS, the sentiment is Negative. The current price of 25.61 is below the 20-day moving average (MA) of 26.11, below the 50-day MA of 27.74, and below the 200-day MA of 28.01, indicating a bearish trend. The MACD of -0.54 indicates Negative momentum. The RSI at 38.51 is Neutral, neither overbought nor oversold. The STOCH value of 17.37 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MCBS.

MetroCity Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	―	$687.96M	10.89	10.91%	0.89%	0.21%	14.85%
CCBG	―	$663.89M	10.90	11.90%	2.49%	9.54%	17.64%
TRST	―	$710.87M	12.60	8.35%	3.87%	5.75%	20.52%
MBWM	―	$712.50M	8.31	13.79%	3.27%	5.64%	6.24%
HAFC	―	$795.33M	11.02	9.51%	3.92%	3.33%	15.80%
MCBS	―	$676.49M	10.22	15.62%	3.75%	0.54%	11.11%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

MetroCity Bankshares Corporate Events

MetroCity Bankshares Reports Steady Q3 2025 Earnings

MetroCity Bankshares, Inc., a Georgia-based bank holding company, operates through its subsidiary Metro City Bank, providing financial services across multiple states in the United States. The company is known for its presence in multi-ethnic communities and offers a range of banking products and services.

MetroCity Bankshares Declares Quarterly Cash Dividend

On October 15, 2025, MetroCity Bankshares, Inc. announced a quarterly cash dividend of $0.25 per share on its common stock, payable on November 7, 2025, to shareholders of record as of October 29, 2025. This announcement reflects the company’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness to investors seeking regular income, potentially impacting its market positioning positively.

The most recent analyst rating on (MCBS) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on MetroCity Bankshares stock, see the MCBS Stock Forecast page.

MetroCity Bankshares Announces Share Repurchase Program

On September 17, 2025, MetroCity Bankshares, Inc. announced the continuation of its share repurchase program, allowing the company to buy back up to 923,976 shares of its common stock. This program, beginning October 1, 2025, and ending September 30, 2026, aims to enhance shareholder value and will comply with SEC rules, including Rule 10b-18. The repurchases may occur in the open market or through private transactions, with the flexibility to modify, suspend, or discontinue the program as needed.

The most recent analyst rating on (MCBS) stock is a Buy with a $32.00 price target. To see the full list of analyst forecasts on MetroCity Bankshares stock, see the MCBS Stock Forecast page.