MetroCity Bankshares (MCBS) AI Stock Analysis

• Market Cap: $657.60M
• Dividend Yield: 3.6%
• Average Volume (3M): 36.91K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.07
• Revenue Growth: -0.23%
• EPS Growth: 10.95%
• 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: 1.42
• Enterprise Value/Revenue: 3.98
• Enterprise Value/Gross Profit: 6.40
• Enterprise Value/Ebitda: 9.95
• 1Y Price Target: $31.00
• Price Target Upside: 16.28% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $28.00 ▲(5.03% Upside)

MetroCity Bankshares' overall score is driven by its solid financial performance and reasonable valuation. However, the technical analysis indicates a bearish trend, which weighs down the overall score. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Profitability Margins

Strong profitability margins indicate efficient operations and the ability to maintain cost control, supporting long-term financial health.

Cash Flow Generation

Robust free cash flow growth highlights improved cash generation capabilities, ensuring the company can fund operations and investments sustainably.

Balance Sheet Health

A stable balance sheet with a manageable debt-to-equity ratio ensures financial flexibility and reduces risk, supporting long-term stability.

Negative Factors

Revenue Growth Challenges

A decline in revenue growth rate could limit future expansion and market competitiveness, impacting long-term growth potential.

Moderate Equity Ratio

A moderate equity ratio may limit the company's ability to leverage equity for growth, potentially constraining expansion opportunities.

Revenue Growth Challenges

Challenges in revenue growth can hinder the company's ability to scale and capture market share, impacting long-term strategic goals.

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 demonstrates solid financial health with strong profitability and cash flow metrics. While revenue growth has faced challenges, the company maintains efficient operations and a stable balance sheet.

Income Statement

MetroCity Bankshares shows a mixed performance in its income statement. The TTM data indicates a significant decline in revenue growth rate, which is concerning. However, the company maintains strong profitability margins, with a high EBIT and EBITDA margin, suggesting efficient operations. The net profit margin is exceptionally high in the TTM period, indicating strong bottom-line performance despite revenue challenges.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio, which has improved over time. The return on equity remains strong, indicating effective use of shareholder funds. However, the equity ratio is moderate, suggesting a balanced approach to financing with both debt and equity.

Cash Flow

Cash flow analysis reveals a robust free cash flow growth in the TTM period, highlighting improved cash generation capabilities. The operating cash flow to net income ratio is strong, indicating good cash conversion. The free cash flow to net income ratio is also healthy, suggesting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	234.33M	234.43M	209.38M	162.29M	139.21M	102.96M
Gross Profit	145.94M	139.15M	118.05M	137.44M	127.71M	88.00M
EBITDA	93.85M	90.27M	74.66M	95.09M	85.43M	51.69M
Net Income	66.63M	64.50M	51.61M	62.60M	61.70M	36.39M
Balance Sheet
Total Assets	3.63B	3.59B	3.50B	3.43B	3.11B	1.90B
Cash, Cash Equivalents and Short-Term Investments	216.41M	253.73M	160.65M	170.21M	458.26M	158.86M
Total Debt	432.70M	382.94M	335.46M	384.28M	510.32M	121.39M
Total Liabilities	3.18B	3.17B	3.12B	3.08B	2.82B	1.65B
Stockholders Equity	445.89M	421.35M	381.52M	349.42M	290.22M	244.83M
Cash Flow
Free Cash Flow	61.25M	62.22M	77.17M	132.34M	65.05M	142.02M
Operating Cash Flow	62.11M	63.50M	82.10M	134.69M	65.43M	142.56M
Investing Cash Flow	-121.50M	5.87M	-110.27M	-651.82M	-930.55M	-477.86M
Financing Cash Flow	-4.67M	35.70M	-6.51M	255.27M	1.16B	209.58M

MetroCity Bankshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 26.66
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCBS, the sentiment is Neutral. The current price of 26.66 is above the 20-day moving average (MA) of 25.86, above the 50-day MA of 26.54, and below the 200-day MA of 27.59, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 56.78 is Neutral, neither overbought nor oversold. The STOCH value of 85.49 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MCBS.

MetroCity Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRST	80 Outperform	$777.86M	14.08	8.35%	3.64%	5.75%	20.52%
HTB	76 Outperform	$707.18M	11.22	10.88%	1.19%	0.21%	14.54%
CCBG	76 Outperform	$721.84M	11.84	11.90%	2.34%	9.43%	17.64%
HAFC	75 Outperform	$777.94M	10.83	9.49%	3.87%	3.34%	15.52%
MBWM	73 Outperform	$716.30M	8.35	13.79%	3.27%	5.64%	6.24%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MCBS	61 Neutral	$657.60M	9.94	15.62%	3.60%	-0.23%	10.95%

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.