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MetroCity Bankshares, Inc.

MCBS Financial Banks Regional

MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024.

Revenue
+23.2%
EPS
+23.5%
Free cash flow
−202.7%
Total debt
−11.8%

Quarter to September 2026, against a year earlier

36.09 0.01 +0.03%
Market cap
$1.0B
P/E
11.8×
Fwd P/E
11.4×
Dividend yield
3.15%
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 21.09%

Capital & Financial Ratios $m

Size
Market Cap 1,040.00
Revenue ttm 295.69
Net income ttm 86.88
Free cash flow ttm 48.94
Net debt Q 57.99
Valuation
P/E 11.75
Forward P/E 11.40
Price / sales 3.52
Forward P/S Powerpack
Price / FCF 21.51
Price / book 1.78
Financial health
Current ratio Q 0.00
Debt / equity Q 0.64
Interest coverage Q —
Growth
Revenue growth Q +23.15% (above 0%: growing)
Operating income growth Q +28.74% (above 0%: growing)
EPS, this year +21.21% (at or above 15%: strong)
EPS, next year A −2.19% (below 0%: weak)
Revenue, next year A −19.52% (below 0%: weak)
EPS, past 5 yrs +13.36%
EPS, next 5 yrs A +7.17%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 83.89%
10-year low 10-year high
P/S against its own 10 years 71.84%
10-year low 10-year high
P/B against its own 10 years 67.33%
10-year low 10-year high

Dividends raised 6 years running

Yield
3.15%
Annual rate
1.14
Payout ratio
37.4%
Growth, 2018–26
+14.7%/yr
  1. 0.38 ’18
  2. 0.42 ’19 +11
  3. 0.40 ’20 −5
  4. 0.46 ’21 +15
  5. 0.60 ’22 +30
  6. 0.72 ’23 +20
  7. 0.83 ’24 +15
  8. 0.96 ’25 +16
  9. 1.14 ’26 +19
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 145 250 384 317
Receivables — — — —
Inventory — — — —
Other — — — —
3,306 3,405 4,437 —
2023 2024 2025 Q'26
Payables 2,731 2,737 3,646 3,562
ST’ Debt — — — —
Other — — — —
2,735 2,740 3,657 3,568

Compound Annual Growth %

10y 5y 3y
Sales — 18.60% 14.16%
Cash Flow — (23.36%) (34.59%)
Earnings — 13.49% 3.06%
Book Value — 17.32% 15.91%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY21 Estimate 0.60 Actual 0.66

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY20 0.37 0.37 Met by 0.00
Q1 FY21 0.43 0.50 Beat by 0.07
Q2 FY21 0.55 0.56 Beat by 0.01
Q3 FY21 0.60 0.66 Beat by 0.06

EPS $

Mar Jun Sep Dec Year
’26 0.77 0.76 0.84 — —
’25 0.63 0.65 0.67 0.68 2.64
’24 0.57 0.66 0.65 0.63 2.52
’23 0.62 0.51 0.45 0.44 2.02
’22 0.76 0.63 0.66 0.40 2.55
’21 0.50 0.56 0.66 0.68 2.39
’20 0.38 0.30 0.36 0.37 1.41
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 77 76 74 — —
’25 58 60 60 68 246
’24 58 60 60 58 236
’23 52 52 51 55 211
’22 40 38 43 45 165
’21 31 34 39 38 142
’20 28 25 26 26 105
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 46 25 (17) — —
’25 12 14 16 (5) 38
’24 36 19 (11) 19 64
’23 26 47 18 (8) 82
’22 94 51 (2) (9) 135
’21 25 25 4 11 65
’20 108 7 18 9 143
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 47 23 (17) — —
’25 12 16 16 (5) 39
’24 36 19 (12) 20 63
’23 28 46 16 (9) 81
’22 94 51 (3) (10) 132
’21 25 25 5 11 66
’20 109 7 18 9 143
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 57 93 111 123 105 142 165 211 236 246 296 +17.7% 198 198 205 (5.9%)
Gross margin, % 0.00 90.72 86.72 81.94 89.04 96.79 83.30 56.71 59.84 63.26 65.04 +63.3 pt
EBT 32 50 56 61 49 83 91 72 87 93 112 +12.4%
EBT margin, % 57.05 53.86 50.67 49.44 46.52 58.01 55.17 34.10 37.00 37.68 37.85 (19.4) pt
Net income 20 32 41 45 36 62 63 52 65 69 87 +14.5%
Per share, $
Per share, $ Revenue 2.40 3.89 4.57 5.02 4.09 5.57 6.51 8.37 9.33 9.56 10.27 +16.6%
Earnings 0.86 1.34 1.71 1.82 1.41 2.41 2.58 2.05 2.55 2.67 3.08 +13.4%
Cash flow 0.90 6.36 (6.66) 1.31 5.57 2.56 5.30 3.26 2.51 1.47 1.70 +5.5%
Capex 0.00 (0.24) (0.08) (0.04) 0.04 0.02 (0.09) (0.03) 0.00 0.07 0.00 n/m
Free cash flow 0.90 6.12 (6.74) 1.27 5.60 2.58 5.21 3.22 2.51 1.53 1.70 +6.1%
Book value 4.53 0.00 6.97 8.83 9.56 11.35 13.75 15.14 16.67 21.15 20.29 +18.7%
Shares, m 24 24 24 25 26 26 25 25 25 26 28 +0.9%
Valuation, ×
Valuation, × P/E 6.98 4.56 4.26 9.59 10.15 11.42 8.76 11.86 12.53 9.94 11.75 9.0
P/S 0.00 0.00 0.00 3.49 3.52 4.94 3.30 2.90 3.42 2.78 3.52 2.4
P/B 0.00 0.00 2.37 1.98 1.51 2.43 1.56 1.61 1.92 1.26 1.78 1.5
EV/Sales 0.00 0.00 0.00 1.64 3.14 5.36 4.49 3.76 3.95 3.29 — 2.6
EV/FCF 0.00 0.00 0.00 6.47 2.29 11.56 5.60 9.76 14.70 20.50 — 7.1
Cash, $m
Cash, $m Operating cash flow 21 152 (161) 32 143 65 135 82 64 38 49 +6.5%
Capex (3) (6) (2) (1) 1 1 (2) (1) 0 2 (1) n/m
Free cash flow 21 146 (163) 31 143 66 132 81 63 39 49 +7.1%
Balance, $m
Balance, $m Working capital — — 107 228 301 677 565 571 665 781 (3,568) +32.9%
Net debt 223 125 (149) (228) (40) 59 196 180 125 126 58 (6.1%)
Shareholders’ equity 107 — 169 217 245 290 349 382 421 544 584 +19.8%
Returns, %
Returns, % ROA 1.69 5.80 3.26 2.92 2.06 2.47 1.92 1.49 1.82 1.64 2.11 0.0 pt
ROIC 0.00 25.03 180.06 0.00 14.89 14.78 10.45 8.01 9.99 9.08 0.00 +9.1 pt
ROE 16.71 26.36 27.23 23.21 15.77 23.06 19.57 14.12 16.07 14.20 16.87 (2.5) pt
People
People Employees — — 203 208 211 216 216 220 240 317 — +6.6%
Revenue/emp, $m 0.00 0.00 0.54 0.59 0.50 0.66 0.77 0.96 0.98 0.78 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

MetroCity Bankshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
MCBS MetroCity Bankshares, Inc. $1.0B 11.8× 11.4× +23.15% (above 0%: growing) +23.53% (above 0%: growing) −202.65% (below 0%: shrinking) 64.69% 0.00%
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
EGBN Eagle Bancorp, Inc. $1.0B 23.6× 16.6× −14.05% (below 0%: shrinking) n/m +207.40% (above 0%: growing) 54.04% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00% Compare
EQBK Equity Bancshares, Inc. $1.0B 28.8× 10.6× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
CAC Camden National Corporation $978.7M 10.8× 10.8× −1.32% (below 0%: shrinking) +8.80% (above 0%: growing) −13.69% (below 0%: shrinking) 73.23% 0.00% Compare
Median of peers $1.0B 11.1× 10.8× +6.66% +31.88% +43.25% 67.98% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 20 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.56m 3.05m 109.82
2024 2.27m 3.14m 137.12
2023 2.21m 2.92m 115.36
2022 2.29m 2.31m 80.75

Ownership

Directors and executive officers, together 20.24%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

MetroCity Bankshares, Inc. (MCBS) Latest News

22 Oct

Impact 4 · · Simply Wall St.

31 Jul

Impact 4 ·

24 Jul

Impact 3 ·

24 Apr

Impact 4 · · PR Newswire

2 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · Associated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 4 · · PR Newswire

19 Jan

Impact 4 · · Simply Wall St.

30 Dec

Impact 3 · · Simply Wall St.

2 Dec

Impact 4 · · PR Newswire

27 Nov

Impact 3 · · Simply Wall St.

25 Nov

Impact 4 ·

14 Nov

Impact 4 · · PR Newswire

19 Oct

Impact 4 · · Simply Wall St.

17 Oct

Impact 4 · · Associated Press Finance
Impact 4 · · PR Newswire

15 Oct

Impact 3 · · PR Newswire

24 Sep

Impact 3 · · Simply Wall St.

5 Sep

Impact 4 · · Simply Wall St.

25 Aug

Impact 4 · · Simply Wall St.

28 Jul

Impact 4 · · Simply Wall St.

22 Jul

Impact 4 · · Simply Wall St.
Impact 3 ·

20 Jul

Impact 4 · · Simply Wall St.

18 Jul

Impact 4 ·
Impact 3 · · PR Newswire

15 Jul

Impact 4 · · PR Newswire

18 Jun

Impact 3 ·

12 Jun

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
stockrow.com/MCBS · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com