MetroCity Bankshares, Inc. (MCBS)

NMS – Real Time Price. Currency in USD

36.01

+0.12 (0.32%)

Market open: Aug 12, 2026, 12:26 PM EDT

35.89

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 35.8$
Day's range: 35.8 - 36.45$
52-week range: 24.53 - 37.46$
Volume: 8 063
Average volume: 68 406
Beta: 0.29
EPS (TTM): 2.91
PE ratio (TTM): 12.41
Forward P/E: 11.02
Market cap: 1 030 367 981
Shares outstanding: 28 781 229
Dividend yield: $3.01 (3.01%)
Next earnings date: 2026-10-16
Sector: Financials
Industry: Banks - Regional

About the company

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and developme... read more

CEO: Nack Paek
Country: United States
IPO Date: 2019-10-03
Employees: 317
Fiscal Year End: January - December
Website: https://www.metrocitybank.bank

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: MCBS

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Overall Score

5.3 / 1053%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $389.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.7) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.36	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.69	0.05	7.0
Debt to Assets	0.09	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	166M	211M	236M	246M	282M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	91M	72M	87M	97M	114M
Net Income	63M	52M	65M	69M	80M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	62.06	0.44	10
Net margin %	44.44	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.81	1.46	3.0
ROE	15.25	14.94	8.0
ROIC	8.05	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	35.11	25.37	10
Next quarter	16.82	23.53	9.5
Current year	30.11	23.11	10
Next year	2.12	0.62	2.5
Weighted average score			8.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-1.63	-0.81	-1.29	3502500	3.3
Y/Y	27.48	31.53	16.92	254.42	9.8
3y average	14.24	4.56	2.91	21.43	6.5
5y average	19.09	16.94	16.99	8.09	8.3
Weighted average score					7.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.29	11.16	6.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	5.43	3.37	3.2
P/B	1.79	1.53	5.2
Weighted average score			4.0

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.64%

FCF 5 year CAGR4

Fair value30.14$

Stock price36.005$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.37	3.37	8.0
Payout ratio	31.25	31.25	5.0
5-year dividend growth rate	27.05	27.05	10
Years of dividend increase	5.00	5.00	5.0
Weighted average score			7.0

Fair Value

$30.14

UndervaluedStock priceOvervalued

$36.005

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Nack Paek

Country

United States

IPO Date

2019-10-03

Employees

317

Fiscal Year End

January - December

Website

https://www.metrocitybank.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.36

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.69

0.05

7.0

Debt to Assets

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

166M

211M

236M

246M

282M

Gross Profit

N/A

Operating Income

91M

72M

87M

97M

114M

Net Income

63M

52M

65M

69M

80M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

62.06

0.44

Net margin %

44.44

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.81

1.46

3.0

ROE

15.25

14.94

8.0

ROIC

8.05

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

35.11

25.37

Next quarter

16.82

23.53

9.5

Current year

30.11

23.11

Next year

2.12

0.62

2.5

Weighted average score

8.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-1.63

-0.81

-1.29

3502500

3.3

Y/Y

27.48

31.53

16.92

254.42

9.8

3y average

14.24

4.56

2.91

21.43

6.5

5y average

19.09

16.94

16.99

8.09

8.3

Weighted average score

7.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.29

11.16

6.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

5.43

3.37

3.2

P/B

1.79

1.53

5.2

Weighted average score

4.0

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.37

8.0

Payout ratio

31.25

5.0

5-year dividend growth rate

27.05

Years of dividend increase

5.00

5.0

Weighted average score

7.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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MetroCity Bankshares, Inc. (MCBS)

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MetroCity Bankshares, Inc. (MCBS)

Stock details

About the company

Revenue Breakdown

News

Chart: MCBS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.14

$36.005

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: MCBS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.14

$36.005

Economic Moat