MetroCity Bankshares (MCBS) AI Stock Analysis

• Market Cap: $882.79M
• Dividend Yield: 3.55%
• Average Volume (3M): 36.91K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.89
• Revenue Growth: -0.23%
• EPS Growth: 10.95%
• Country: US
• Employees: 240
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 28,755,228
• 10 Day Avg. Volume: 42,724
• 30 Day Avg. Volume: 36,907
• PEG Ratio: 2.13
• Price to Book (P/B): 1.27
• Price to Sales (P/S): 2.91
• P/FCF Ratio: 5.04
• Enterprise Value/Market Cap: 1.22
• Enterprise Value/Revenue: 4.49
• Enterprise Value/Gross Profit: 7.21
• Enterprise Value/Ebitda: 11.23
• 1Y Price Target: $33.00
• Price Target Upside: 7.49% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 3.24
• Revenue Forecast (FY): $209.10M

• Rating: 71 Outperform
• Price Target: $32.00 ▲(4.23% Upside)
• Action: Upgraded Date: 03/17/26
• Date: Action: Upgraded 03/17/26

The score is driven primarily by solid financial performance (strong growth and profitability, tempered by rising leverage and cash-flow variability) and attractive valuation (low P/E with a healthy dividend yield). Technicals are neutral with limited momentum, while the dividend-related corporate event is supportive but not transformative.

Positive Factors

Revenue growth and recent margin strength

Sustained revenue expansion and a large step-up in 2025, together with healthy 2024–2025 net margins, indicate a strengthening core franchise and rising loan and fee income. This durable top-line momentum supports scale, recurring earnings, and longer-term capital generation for growth and returns.

Negative Factors

Upward drift in leverage

Rising leverage alongside rapid asset expansion reduces financial flexibility and increases sensitivity to credit shocks or deposit stress. For a regional bank, higher leverage limits the cushion against loan losses and can constrain capital actions or growth if macro or credit conditions deteriorate.

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...

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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 generates revenue primarily through interest income earned on loans and mortgages issued to customers. The bank charges interest on various loan products, including personal loans, business loans, and home mortgages, which con...

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MetroCity Bankshares generates revenue primarily through interest income earned on loans and mortgages issued to customers. The bank charges interest on various loan products, including personal loans, business loans, and home mortgages, which con...

MetroCity Bankshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	237.03M	234.43M	209.38M	162.29M	139.21M
Gross Profit	146.97M	139.15M	118.05M	137.44M	127.71M
EBITDA	92.93M	90.27M	74.66M	95.09M	85.43M
Net Income	68.70M	64.50M	51.61M	62.60M	61.70M
Balance Sheet
Total Assets	4.77B	3.59B	3.50B	3.43B	3.11B
Cash, Cash Equivalents and Short-Term Investments	418.01M	253.73M	160.65M	170.21M	458.26M
Total Debt	540.61M	382.94M	335.46M	384.28M	510.32M
Total Liabilities	4.22B	3.17B	3.12B	3.08B	2.82B
Stockholders Equity	544.36M	421.35M	381.52M	349.42M	290.22M
Cash Flow
Free Cash Flow	137.01M	62.22M	77.17M	132.34M	65.05M
Operating Cash Flow	137.01M	63.50M	82.10M	134.69M	65.43M
Investing Cash Flow	-109.98M	5.87M	-110.27M	-651.82M	-930.55M
Financing Cash Flow	-27.84M	35.70M	-6.51M	255.27M	1.16B

MetroCity Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 30.7 is above the 20-day moving average (MA) of 28.70, above the 50-day MA of 28.68, and above the 200-day MA of 27.69, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 71.25 is Negative, neither overbought nor oversold. The STOCH value of 93.45 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCBS.

MetroCity Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCBG	73 Outperform	$786.77M	11.80	11.55%	2.33%	9.43%	17.64%
MCBS	71 Outperform	$882.79M	10.05	14.82%	3.55%	-0.23%	10.95%
HAFC	71 Outperform	$825.93M	10.60	9.85%	3.82%	3.34%	15.52%
MBWM	71 Outperform	$915.47M	8.81	13.54%	3.05%	5.64%	6.24%
TRST	68 Neutral	$818.23M	12.13	8.86%	3.48%	5.75%	20.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HTB	62 Neutral	$759.07M	11.33	10.88%	1.12%	0.21%	14.54%

MetroCity Bankshares Corporate Events