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Screener Weekly Summary Pricing

MetroCity Bankshares, Inc. (MCBS) vs TrustCo Bank Corp NY (TRST)

MetroCity Bankshares, Inc. and TrustCo Bank Corp NY are both Banks Regional companies. MetroCity Bankshares, Inc. and TrustCo Bank Corp NY are of similar size ($1.0B and $958.7M). MetroCity Bankshares, Inc. trades at the lower P/E: 12.0× against 15.6×. MetroCity Bankshares, Inc. grew revenue faster over the last twelve months: 19.3% against 6.12%. MetroCity Bankshares, Inc. has the higher net margin (28.3% vs 22.8%) and the higher return on invested capital (10.5% vs 0.00%). Both pay a dividend; TrustCo Bank Corp NY yields more (5.29% vs 3.45%). Across the 20 metrics below, MetroCity Bankshares, Inc. leads on 13 and TrustCo Bank Corp NY on 7.

Valuation

Metric MCBS TRST Banks Regional median
P/E 11.98 15.57 12.15
P/S 3.56 3.40 2.37
P/B 1.77 1.48 1.21
Price to free cash flow 12.31 16.25 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.95 0.96 2.27
Earnings yield 8.35% 6.42% 8.11%
Free cash flow yield 8.13% 6.15% 8.98%

Profitability

Metric MCBS TRST Banks Regional median
Gross margin 64.72% 68.91% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.34% 22.76% 18.66%
Free cash flow margin 28.95% 20.92% 21.18%
Return on equity 15.91% 9.65% 10.64%
Return on assets 1.96% 1.01% 1.13%
Return on invested capital 10.53% 0.00% 8.33%

Growth

Metric MCBS TRST Banks Regional median
Revenue growth (TTM) 19.32% 6.12% 6.61%
EPS growth (last fiscal year) 4.76% 26.46% —
Revenue growth, 5-year CAGR 18.60% 7.33% 12.30%
Net income growth, 5-year CAGR 13.49% 3.11% 9.71%

Health

Metric MCBS TRST Banks Regional median
Debt to equity 0.66 0.00 0.22
Current ratio 1.21 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MCBS TRST Banks Regional median
Dividend yield 3.45% 5.29% 3.75%
Payout ratio 0.30 0.37 0.27

Size

Metric MCBS TRST Banks Regional median
Market cap 1.00b 958.66m 921.07m

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