MetroCity Bankshares, Inc. MCBS
- Market cap
- $1.0B
- P/E
- 12.0×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | 13.00 | 8.31 | 14.00 | 18.61 | 13.10 | 21.89 | 24.24 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| — | — | — | 17.78 | 19.07 | 29.82 | 29.26 | 26.23 | 36.15 | 34.91 |
High Price
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| — | — | 203 | 208 | 211 | 216 | 216 | 220 | 240 | 317 |
Employees
|
|||
| 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 57 | 93 | 111 | 123 | 105 | 142 | 165 | 211 | 236 | 246 |
Revenue
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|||
| 0.00% | 90.72% | 86.72% | 81.94% | 89.04% | 96.79% | 83.30% | 56.71% | 59.84% | 63.26% |
Gross Margin
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| 32 | 50 | 56 | 61 | 49 | 83 | 91 | 72 | 87 | 93 |
EBT
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| 57.05% | 53.86% | 50.67% | 49.44% | 46.52% | 58.01% | 55.17% | 34.10% | 37.00% | 37.68% |
EBT Margin
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| 20 | 32 | 41 | 45 | 36 | 62 | 63 | 52 | 65 | 69 |
Net Income
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| — | 1 | 1 | 3 | 3 | 3 | 4 | 3 | 3 | 4 |
Depreciation
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| 2.40 | 3.89 | 4.57 | 5.02 | 4.09 | 5.57 | 6.51 | 8.37 | 9.33 | 9.56 |
Revenue/Sh
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| 0.86 | 1.34 | 1.71 | 1.82 | 1.41 | 2.41 | 2.58 | 2.05 | 2.55 | 2.67 |
Earnings/Sh
|
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| 0.90 | 6.36 | (6.66) | 1.31 | 5.57 | 2.56 | 5.30 | 3.26 | 2.51 | 1.47 |
Cash Flow/Sh
|
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| 0.00 | (0.24) | (0.08) | (0.04) | 0.04 | 0.02 | (0.09) | (0.03) | 0.00 | 0.07 |
Capex/Sh
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| 0.90 | 6.12 | (6.74) | 1.27 | 5.60 | 2.58 | 5.21 | 3.22 | 2.51 | 1.53 |
Free CF/Sh
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| 4.53 | 0.00 | 6.97 | 8.83 | 9.56 | 11.35 | 13.75 | 15.14 | 16.67 | 21.15 |
Book Value/Sh
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| 24 | 24 | 24 | 25 | 26 | 26 | 25 | 25 | 25 | 26 |
Shares
|
|||
| 6.98 | 4.56 | 4.26 | 9.59 | 10.15 | 11.42 | 8.76 | 11.86 | 12.53 | 9.94 |
PE Ratio
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| 0.00 | 0.00 | 0.00 | 3.49 | 3.52 | 4.94 | 3.30 | 2.90 | 3.42 | 2.78 |
PS Ratio
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| 0.00 | 0.00 | 2.37 | 1.98 | 1.51 | 2.43 | 1.56 | 1.61 | 1.92 | 1.26 |
PB Ratio
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| 0.00 | 0.00 | 0.00 | 1.64 | 3.14 | 5.36 | 4.49 | 3.76 | 3.95 | 3.29 |
EV/Sales
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| 0.00 | 0.00 | 0.00 | 6.47 | 2.29 | 11.56 | 5.60 | 9.76 | 14.70 | 20.50 |
EV/FCF
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| 21 | 152 | (161) | 32 | 143 | 65 | 135 | 82 | 64 | 38 |
Op' Cash Flow
|
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| (3) | (6) | (2) | (1) | 1 | 1 | (2) | (1) | 0 | 2 |
Capex
|
|||
| 21 | 146 | (163) | 31 | 143 | 66 | 132 | 81 | 63 | 39 |
FCF
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| — | — | 107 | 228 | 301 | 677 | 565 | 571 | 665 | 781 |
Working Cap'
|
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| 223 | 125 | 4 | 63 | 110 | 500 | 375 | 325 | 375 | 510 |
Total Debt
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| 223 | 125 | (149) | (228) | (40) | 59 | 196 | 180 | 125 | 126 |
Net Debt
|
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| 107 | 0 | 169 | 217 | 245 | 290 | 349 | 382 | 421 | 544 |
Sh' Equity
|
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| 1.69% | 5.80% | 5.77% | 2.92% | 2.06% | 2.47% | 1.92% | 1.49% | 1.82% | 1.64% |
ROA
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| 0.00% | 25.03% | 180.06% | 0.00% | 14.89% | 14.78% | 10.45% | 8.01% | 9.99% | 9.08% |
ROIC
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| 16.71% | 26.36% | 27.23% | 23.21% | 15.77% | 23.06% | 19.57% | 14.12% | 16.07% | 14.20% |
ROE
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MetroCity Bankshares, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CCNE CNB Financial Corporation | $1.0B | 11.0× | Compare |
| BFST Business First Bancshares, Inc. | $997.0M | 10.9× | Compare |
| EQBK Equity Bancshares, Inc. | $991.9M | 28.6× | Compare |
| HBNC Horizon Bancorp (IN) | $986.8M | 0.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| MBWM Mercantile Bank Corporation | $1.0B | 10.6× | Compare |
| CAC Camden National Corporation | $961.4M | 11.0× | Compare |
| TRST TrustCo Bank Corp NY | $958.7M | 15.6× | Compare |
| CPF CPB Inc. | $948.5M | 11.7× | Compare |
MetroCity Bankshares, Inc. (MCBS) key facts
- MetroCity Bankshares, Inc. (MCBS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024.
- Net income was $68.5 million, or $2.67 per share (basic), a net margin of 27.9%.
- As of September 25, 2026, MCBS traded at $34.98, a market capitalization of $1.0 billion.
- At that price the stock trades at 12.0× trailing-twelve-month earnings and 3.6× sales.
- MetroCity Bankshares, Inc. pays an annual dividend of $0.72 per share, a yield of 3.45%, with a payout ratio of 30.1%.
- Return on equity was 14.2% and debt-to-equity 0.66.
MetroCity Bankshares, Inc. (MCBS) Latest News
31 Jul
MetroCity Bankshares (MCBS) shows stronger core earnings power that is set to positively shape investor returns and company valuation. Stronger core earnings power improves financial results and can materially shift MCBS stock trajectory and sentiment.
24 Jul
MetroCity Bankshares, Inc. (MCBS) reported earnings for the second quarter of 2026. Quarterly earnings releases deliver financial results that can shift near-term investor views and trading activity.
24 Apr
MetroCity Bankshares, Inc. (MCBS) reported earnings for the first quarter of 2026. Quarterly earnings reports provide critical financial data that can significantly sway stock performance and future outlook.
2 Feb
MetroCity Bankshares, Inc. (MCBS) is highlighted among three dividend stocks offering yields up to 3.5%. The article emphasizes the attractiveness of these dividend yields in the current market environment, appealing to income-focused investors. MCBS is noted for its solid financial performance and commitment to returning value to shareholders through dividends. The focus on dividend yields indicates a moderate influence on investor sentiment and financial performance.
30 Jan
MetroCity Bankshares, Inc. reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The bank's total assets and deposits also saw significant growth, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market presence. The earnings report indicates a positive outlook for the upcoming fiscal year, driven by robust loan demand and effective cost management. The significant growth in net income and assets suggests a strong strategic position that could alter the company's trajectory.
MetroCity Bankshares, Inc. reported its earnings for the fourth quarter and the year ended 2025, highlighting significant growth in net income and total assets. The bank's performance was driven by increased loan demand and improved operational efficiency. Additionally, the company announced plans for strategic expansion and investment in technology to enhance customer service. Overall, the results reflect a strong financial position and positive outlook for future growth. The reported earnings and strategic expansion plans indicate a significant impact on future performance and investor sentiment.
19 Jan
MetroCity Bankshares, Inc. (MCBS) is highlighted as a promising investment opportunity in the U.S. market for January 2026, showcasing its potential for growth amid evolving economic conditions. The article emphasizes the bank's strategic initiatives and strong financial performance, positioning it as an undiscovered gem in the financial sector. Analysts predict that MCBS could benefit from favorable market trends and increased demand for banking services, making it a compelling choice for investors seeking undervalued stocks. Strategic initiatives and favorable market trends are expected to significantly influence MetroCity Bankshares' future performance.
30 Dec
MetroCity Bankshares, Inc. (MCBS) is highlighted among three dividend stocks offering attractive yields, with some reaching up to 7.8%. The article emphasizes the potential for income generation through dividends, appealing to investors seeking reliable returns in a fluctuating market. MCBS's performance is positioned positively within the context of dividend-paying stocks, suggesting a favorable outlook for income-focused investors. The focus on dividend yields indicates a moderately noticeable influence on investor sentiment and financial performance.
2 Dec
MetroCity Bankshares, Inc. has successfully completed its acquisition of First IC Corporation, enhancing its market presence and expanding its service offerings. This strategic move is expected to strengthen MetroCity's position in the banking sector and provide additional resources for growth. The acquisition is a significant strategic move that could alter the company's trajectory and investor sentiment.
27 Nov
MetroCity Bankshares, Inc. (MCBS) is highlighted as one of three dividend stocks that can enhance investment portfolios. The article emphasizes the bank's strong financial performance, consistent dividend payments, and potential for growth in the current market environment. Investors are encouraged to consider MCBS for its attractive yield and stability, particularly in light of recent economic trends. MCBS's consistent dividend payments and financial performance may moderately influence investor sentiment and market positioning.
25 Nov
MetroCity Bankshares, Inc. (MCBS) is highlighted as a promising small-cap stock in the U.S. market, showcasing strong fundamentals and growth potential. The bank has demonstrated resilience and adaptability in a competitive landscape, making it an attractive investment opportunity. Analysts emphasize its strategic initiatives and solid financial performance, positioning MCBS as a noteworthy contender among lesser-known stocks that could yield significant returns for investors. MetroCity Bankshares, Inc. is positioned for significant growth due to its strategic initiatives and strong financial performance.
14 Nov
MetroCity Bankshares, Inc. and First IC Corporation have announced the expected closing date for their merger, which is anticipated to enhance their market presence and operational capabilities. The merger is part of a strategic initiative to expand services and improve customer offerings in the financial sector. The merger is a significant strategic move that could alter the company's trajectory and investor sentiment.
19 Oct
MetroCity Bankshares, Inc. (MCBS) has demonstrated margin expansion, reinforcing its position as a 'defensive outperformer' compared to its peers. The bank's financial performance highlights its resilience in a challenging market environment, attracting investor interest and confidence. Analysts suggest that MCBS's strategic initiatives and operational efficiency contribute to its competitive advantage, positioning it favorably against other financial institutions. Margin expansion indicates significant operational improvements that could enhance future performance and investor sentiment.
17 Oct
MetroCity Bankshares, Inc. reported its Q3 earnings, showcasing a notable increase in net income and improved asset quality. The bank's total assets grew, driven by a rise in loans and deposits. Additionally, the company highlighted its strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the earnings report reflects a positive trajectory for MetroCity, indicating strong performance in a competitive banking environment. The significant increase in net income and asset growth suggests a strong future performance and positive investor sentiment.
MetroCity Bankshares, Inc. reported its earnings for the third quarter of 2025, highlighting significant growth in net income and total assets. The bank experienced an increase in loan origination and deposits, reflecting strong demand for its services. Management expressed optimism about future performance, citing strategic initiatives aimed at enhancing operational efficiency and customer engagement. Overall, the results exceeded market expectations, positioning the bank favorably in a competitive landscape. The reported earnings and growth in key financial metrics indicate a significant positive shift in the company's performance and market positioning.
15 Oct
MetroCity Bankshares, Inc. has declared a quarterly cash dividend of $0.12 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend declaration suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.
24 Sep
MetroCity Bankshares, Inc. (MCBS) is highlighted as one of three undiscovered investment opportunities in the U.S. market. The article emphasizes the bank's strong fundamentals, growth potential, and strategic positioning within the financial sector. Analysts suggest that MCBS could benefit from increasing demand for community banking services and a favorable economic environment. The bank's focus on customer service and innovative financial products is also noted as a competitive advantage, making it an attractive option for investors seeking undervalued stocks. The potential for growth in community banking services and favorable economic conditions may moderately influence MetroCity Bankshares' financial performance.
5 Sep
MetroCity Bankshares, Inc. (MCBS) has been identified as a growth leader favored by insiders for September 2025, indicating strong confidence from company executives and board members in its future performance. The article highlights key metrics and strategic initiatives that position MCBS favorably in the banking sector, suggesting potential for significant growth and market share expansion. Insider buying trends and positive financial indicators further reinforce the optimistic outlook for the company. Insider confidence and strategic initiatives suggest significant potential for future growth and market performance.
25 Aug
MetroCity Bankshares, Inc. (MCBS) is highlighted as an undervalued asset in the U.S. market, with analysts noting its strong fundamentals and growth potential. The bank's strategic focus on expanding its services and improving customer engagement positions it favorably against competitors. Recent financial performance metrics indicate resilience and adaptability in a fluctuating economic landscape, making MCBS an attractive option for investors seeking long-term value. The article emphasizes the importance of recognizing such opportunities before they gain widespread attention. MetroCity Bankshares is poised for significant growth due to its strategic initiatives and strong financial performance.
28 Jul
MetroCity Bankshares, Inc. (NASDAQ:MCBS) will increase its dividend to $0.25, resulting in a 3.1% yield, consistent with industry averages. The company has a solid dividend history, having paid out for 9 years with a payout ratio of 34%, indicating sustainability. EPS is projected to grow by 15.8% next year, potentially raising the payout ratio to 36%. Since 2016, the dividend has grown at 25% annually, but the short payment history warrants caution. Overall, the company shows potential for future dividend growth due to rising earnings and a low payout ratio. The dividend increase and strong earnings growth signal significant positive momentum for the company's future performance.
22 Jul
MetroCity Bankshares, Inc. is identified as potentially undervalued, trading at $30.53 with an estimated fair value of $52.73, indicating a 42.1% discount. The company has shown steady growth in net interest income and net income, with forecasts suggesting significant revenue and earnings growth compared to the broader U.S. market. The article highlights the importance of identifying undervalued stocks in a flat market, with MetroCity Bankshares being one of the notable picks among other undervalued stocks. MetroCity Bankshares is projected to experience significant revenue and earnings growth, indicating a likely substantial impact on its future performance.
MetroCity Bankshares, Inc. (MCBS) is highlighted as a growth stock with significant insider ownership, indicating strong confidence from its executives and board members. Insider ownership can be a positive signal for investors, suggesting that those with the most knowledge about the company believe in its future potential. The article emphasizes the importance of insider ownership in assessing a company's growth prospects and overall stability in the market. Insider ownership can influence investor sentiment and confidence, but its overall impact on financial performance is expected to be limited.
20 Jul
MetroCity Bankshares (NASDAQ:MCBS) reported second quarter 2025 results with revenue of $37.8 million, a 3.8% increase from 2Q 2024, and net income of $16.8 million, unchanged from the previous year. Profit margin decreased to 45% due to higher expenses, and EPS fell to $0.66 from $0.67. Revenue exceeded analyst estimates by 5%, and EPS surpassed expectations by 3.2%. Future revenue is projected to grow at 26% annually over the next two years, significantly outpacing the 7.6% growth forecast for the US banking industry. The company's share price remained stable over the past week. Future revenue growth forecast significantly exceeds industry averages, indicating potential for substantial performance improvement.
18 Jul
MetroCity Bankshares, Inc. reported its Q2 earnings, showcasing a notable increase in net income and improved asset quality. The bank's total assets grew, driven by strong loan demand and effective cost management. Additionally, the company highlighted its commitment to expanding its market presence and enhancing customer service. Overall, the results reflect a positive trajectory for MetroCity amidst a competitive banking landscape. Significant growth in net income and asset quality indicates a strong strategic position and potential for future expansion.
MetroCity Bankshares, Inc. reported a net income of $16.8 million for Q2 2025, a slight increase from Q1 2025 but a decrease from Q2 2024. The company announced regulatory approval for its merger with First IC Corporation, expected to complete in Q4 2025. Key financial metrics showed mixed results, with a slight increase in net interest margin and a decrease in total assets and deposits compared to the previous quarter. Noninterest income rose due to higher gains on mortgage and SBA loan sales, while noninterest expenses increased due to merger-related costs. The company's efficiency ratio improved slightly, and asset quality remained stable with a decrease in nonperforming assets. The effective tax rate increased to 28.9% for the quarter. MetroCity operates 20 branches across several states and continues to focus on strategic growth through acquisitions. The merger with First IC Corporation and stable financial performance may moderately influence MetroCity's market position and future growth.
15 Jul
MetroCity Bankshares, Inc. has received all necessary regulatory approvals and shareholder consent to merge with First IC Corporation. The merger was approved by First IC's shareholders on July 15, 2025, and is expected to be finalized in early Q4 2025, pending customary closing conditions. Both companies expressed gratitude for the support received from regulators and shareholders. Financial and legal advisors for both parties were also announced. The merger represents a significant strategic move that could alter MetroCity's competitive position and market dynamics.
18 Jun
MetroCity Bankshares, Inc. (MCBS) is identified as one of three stocks potentially undervalued by up to 46.8% compared to their intrinsic value. Analysts suggest that the current market price does not reflect the company's true worth, indicating a possible investment opportunity for shareholders. The analysis highlights the importance of intrinsic value assessments in making informed investment decisions. The identification of MCBS as undervalued suggests a moderately noticeable influence on its market performance and investor sentiment.
12 Jun
MetroCity Bankshares, Inc. is highlighted as a top growth stock with strong insider ownership, boasting 25.8% insider ownership and a market cap of $728.26 million. The company is expected to achieve earnings growth of 22.6% annually, outpacing the US market average. Recent financial results indicate an increase in net interest income and net income for Q1 2025, with basic earnings per share rising from $0.58 to $0.64 year-over-year. The stock trades at a significant discount to its estimated fair value, suggesting potential for growth. Significant earnings growth and insider ownership indicate strong confidence and potential for future performance.
MetroCity Bankshares, Inc. is highlighted as a promising small-cap stock with a market cap of $728.26 million and strong fundamentals. The bank's revenue primarily comes from community banking, generating $143.78 million. With total assets of $3.7 billion and equity of $428 million, it shows robust financial health, including a 31% earnings surge last year, significantly above the industry average. The stock is trading 47% below its estimated fair value, indicating potential investment opportunities. MetroCity Bankshares' strong earnings growth and attractive valuation suggest significant potential for future performance.
6 May
MetroCity Bankshares, Inc. is highlighted as a growth leader with significant insider ownership of 24.6% and a revenue growth forecast of 22.7% annually. The bank holding company, with a market cap of $722.71 million, reported a net interest income of $30.55 million and a net income of $16.3 million in Q1, both showing year-over-year increases. Despite a board member's resignation, the company remains stable with no operational disagreements. Analysts suggest the stock is trading at 48.6% below its estimated fair value, indicating potential undervaluation. Significant growth prospects and undervaluation could alter investor sentiment and company trajectory.