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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. In the quarter to June 2026, revenue grew 27.4%, EPS grew 16.7%, free cash flow grew 45.9% and total debt fell 11.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five.

35.13 0.36 +1.04%
Market cap
$1.0B
P/E
12.0×
Fwd P/E
10.4×
Dividend yield
3.07%
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 20.87%

Capital & Financial Ratios $m

Market Cap 1,000.00
Revenue 281.76
Net Income 79.85
Free Cash Flow 81.56
Net Debt 108.31
Current Ratio 1.21
Debt/Equity 0.66
P/E ratio 12.03
Fwd P/E 10.40
P/S ratio 3.58
P/B ratio 1.78
Past 5Y EPS Growth 13.36%
This Y EPS Growth 23.11% (at or above 15%: strong)
Next Y EPS Growth 0.62%
Next Y revenue growth (17.69%) (below 0%: weak)
Next 5Y EPS Growth 7.72%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 86.98%
10-year low 10-year high
P/S against its own 10 years 75.51%
10-year low 10-year high
P/B against its own 10 years 65.92%
10-year low 10-year high

Dividends

Payout Ratio 0.38
Annual Dividend Rate 1.08
Annual Dividend Yield 3.07%
total individual payouts
2027 Powerpack
2026 1.12
0.25
0.29
0.29
2025 0.96
0.23
0.23
0.25
0.25
2024 0.83
0.20
0.20
0.20
0.23
2023 0.72
0.18
0.18
0.18
0.18
2022 0.60
0.15
0.15
0.15
0.15
2021 0.46
0.10
0.10
0.12
0.14
2020 0.40
0.11
0.11
0.09
0.09
2019 0.42
0.10
0.10
0.11
0.11
2018 0.38
0.09
0.09
0.10
0.10
2017 0.23
0.05
0.05
0.05
0.08
2016 0.04
0.04
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 145 250 384 267
Receivables — — — —
Inventory — — — —
Other — — — —
3,306 3,405 4,437 4,219
2023 2024 2025 Q'26
Payables 2,731 2,737 3,646 3,489
ST’ Debt — — — —
Other — — — —
2,735 2,740 3,657 3,497

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%

Revenue $m

Mar Jun Sep Dec Year
’26 77 76 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.77 0.76 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 13.00 8.31 14.00 18.61 13.10 21.89 24.24

Analyst estimates 2026–2028

Powerpack
High — — — 17.78 19.07 29.82 29.26 26.23 36.15 34.91
People
People Employees — — 203 208 211 216 216 220 240 317
Revenue/emp, $m 0.00 0.00 0.54 0.59 0.50 0.66 0.77 0.96 0.98 0.78
Income, $m
Income, $m Revenue 57 93 111 123 105 142 165 211 236 246
Gross margin, % 0.00 90.72 86.72 81.94 89.04 96.79 83.30 56.71 59.84 63.26
EBT 32 50 56 61 49 83 91 72 87 93
EBT margin, % 57.05 53.86 50.67 49.44 46.52 58.01 55.17 34.10 37.00 37.68
Net income 20 32 41 45 36 62 63 52 65 69
Depreciation — 1 1 3 3 3 4 3 3 4
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
Earnings 0.86 1.34 1.71 1.82 1.41 2.41 2.58 2.05 2.55 2.67
Cash flow 0.90 6.36 (6.66) 1.31 5.57 2.56 5.30 3.26 2.51 1.47
Capex 0.00 (0.24) (0.08) (0.04) 0.04 0.02 (0.09) (0.03) 0.00 0.07
Free cash flow 0.90 6.12 (6.74) 1.27 5.60 2.58 5.21 3.22 2.51 1.53
Book value 4.53 0.00 6.97 8.83 9.56 11.35 13.75 15.14 16.67 21.15
Shares, m 24 24 24 25 26 26 25 25 25 26
Valuation, ×
Valuation, × P/E 6.98 4.56 4.26 9.59 10.15 11.42 8.76 11.86 12.53 9.94
P/S 0.00 0.00 0.00 3.49 3.52 4.94 3.30 2.90 3.42 2.78
P/B 0.00 0.00 2.37 1.98 1.51 2.43 1.56 1.61 1.92 1.26
EV/Sales 0.00 0.00 0.00 1.64 3.14 5.36 4.49 3.76 3.95 3.29
EV/FCF 0.00 0.00 0.00 6.47 2.29 11.56 5.60 9.76 14.70 20.50
Cash, $m
Cash, $m Operating cash flow 21 152 (161) 32 143 65 135 82 64 38
Capex (3) (6) (2) (1) 1 1 (2) (1) 0 2
Free cash flow 21 146 (163) 31 143 66 132 81 63 39
Balance, $m
Balance, $m Working capital — — 107 228 301 677 565 571 665 781
Total debt 223 125 4 63 110 500 375 325 375 510
Net debt 223 125 (149) (228) (40) 59 196 180 125 126
Shareholders’ equity 107 — 169 217 245 290 349 382 421 544
Returns, %
Returns, % ROA 1.69 5.80 3.26 2.92 2.06 2.47 1.92 1.49 1.82 1.64
ROIC 0.00 25.03 180.06 0.00 14.89 14.78 10.45 8.01 9.99 9.08
ROE 16.71 26.36 27.23 23.21 15.77 23.06 19.57 14.12 16.07 14.20
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FSBC Five Star Bancorp $1.1B 12.7× 12.1× +18.93% (above 0%: growing) +33.82% (above 0%: growing) +32.43% (above 0%: growing) 64.63% 0.00% Compare
CFFN Capitol Federal Financial $1.0B 12.6× 11.9× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.1× 9.9× +8.01% (above 0%: growing) 0.00% +80.82% (above 0%: growing) 65.76% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.3× 9.6× +5.11% (above 0%: growing) +7.91% (above 0%: growing) +246.97% (above 0%: growing) 70.02% 0.00% Compare
MCBS MetroCity Bankshares, Inc. $1.0B 12.0× 10.4× +27.40% (above 0%: growing) +16.67% (above 0%: growing) +45.94% (above 0%: growing) 65.38% 0.00%
CCNE CNB Financial Corporation $1.0B 11.0× 8.8× +33.95% (above 0%: growing) +49.18% (above 0%: growing) +101.89% (above 0%: growing) 69.04% 0.00% Compare
HBNC Horizon Bancorp (IN) $992.5M — (loss-making) 8.9× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
EQBK Equity Bancshares, Inc. $961.3M 27.9× 10.2× +39.99% (above 0%: growing) +47.13% (above 0%: growing) +40.78% (above 0%: growing) 70.70% 0.00% Compare
CAC Camden National Corporation $944.0M 10.7× 9.4× +1.16% (above 0%: growing) +63.86% (above 0%: growing) +557.83% (above 0%: growing) 72.13% 0.00% Compare
Median of peers $1.0B 11.1× 9.7× +7.26% +34.77% +76.85% 69.53% 0.00%

All 323 Banks Regional stocks →

MetroCity Bankshares, Inc. (MCBS) key facts

  • Strength: MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024.
  • MetroCity Bankshares, Inc. (MCBS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, MCBS traded at $35.13, a market capitalization of $1.0 billion.
  • MetroCity Bankshares, Inc. pays an annual dividend of $1.08 per share, a yield of 3.07%, with a payout ratio of 37.5%.
  • Return on equity was 14.2% and debt-to-equity 0.66.
  • Its Piotroski F-score is 3 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

MetroCity Bankshares, Inc. (MCBS) Latest News

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stockrow.com/MCBS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com