MetroCity Bankshares, Inc. (MCBS) stock analysis
Close on Nov 11, 2026Market cap $1.04BP/E 11.9Yield 2.65%
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed14 of 30 checks passed
MetroCity Bankshares passes 14 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 2/6
- Past performance
- 6/6
- Financial health
- 3/6
- Dividend
- 2/6
What stands out
Return on equity over 15%
Return on equity was 16.9% over the last twelve months and averaged 17.4% over five years.
Earnings grew over 5 years
Net income grew 13.5% a year on average over the last five fiscal years.
Earnings growth accelerating
Net income grew 30.4% over the last twelve months, against a 5-year average of 13.5% a year.
P/E below the industry
MetroCity Bankshares's P/E of 11.9 is below the Commercial Banks median of 12.1.
What to watch
Margin of safety under 20%
The price is 11.5% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $36.24 is above our fair value estimate of $32.51.
Revenue growing under 10% a year
Revenue grew 4.2% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew 2.7% a year over the last three fiscal years.
Valuation1/6
P/E above its 5-year median
MetroCity Bankshares's P/E of 11.9 is above its own 5-year median of 11.0.
P/E below the industry
MetroCity Bankshares's P/E of 11.9 is below the Commercial Banks median of 12.1.
P/S above the industry
MetroCity Bankshares's price-to-sales of 5.42 is above the Commercial Banks median of 3.60.
P/B above the industry
MetroCity Bankshares's price-to-book of 1.79 is above the Commercial Banks median of 1.29.
Trading above fair value
The share price of $36.24 is above our fair value estimate of $32.51.
Margin of safety under 20%
The price is 11.5% above fair value, so there is no margin of safety.
Growth2/6
Revenue growing under 10% a year
Revenue grew 4.2% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew 2.7% a year over the last three fiscal years.
Earnings growth accelerating
Net income grew 30.4% over the last twelve months, against a 5-year average of 13.5% a year.
Growing faster than the industry
Revenue grew 30.6% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance6/6
Return on equity over 15%
Return on equity was 16.9% over the last twelve months and averaged 17.4% over five years.
Return on assets over 1%
Return on assets was 2.1%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
MetroCity Bankshares's return on equity of 16.9% is above the Commercial Banks median of 11.5%.
Earnings grew over 5 years
Net income grew 13.5% a year on average over the last five fiscal years.
Net margin above its 5-year average
Net margin was 45.2% over the last twelve months, against a 5-year average of 44.6%.
Net margin above the industry
MetroCity Bankshares's net margin of 45.2% is above the Commercial Banks median of 30.3%.
Financial health3/6
Well capitalized
Equity is 12.7% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
Efficient operations
Non-interest expense takes 42.7% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 32.3% over the past year.
Borrowings
Needs debt and equity figures.
Dividend2/6
Pays a dividend
MetroCity Bankshares paid dividends worth 3.1% of the share price over the last twelve months.
Yield below Treasuries
The 3.1% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; MetroCity Bankshares yields 3.1%.
Dividend stability
Fewer than five years of dividend history.
Covered by earnings
Dividends take 34.9% of net income.
Cash-flow cover
Needs dividends paid and free cash flow.
Fair value
How we estimate itOur estimate per share
$32.51
The share price is 11% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 11.5× | 11.0× | 12.1× | $35.18 | 50% |
| P/B | 1.5× | 1.7× | 1.3× | $29.84 | 50% |
| Fair value | $32.51 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 11.0
- Commercial Banks median 12.1
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Medium risk
- Average value traded per day
- $3.82M
- Value traded per 1% price move
- $3.57M
Downside
Low risk
- Typical loss in a bad month
- 5.3%
- Volatility (annualized)
- 23%
- Sharpe ratio, 1 year
- 1.43
- Beta to the S&P 500 (5Y)
- 0.78
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2016 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.2% | +4.2% | +10.8% | – | |
| Net income | +6.2% | +3.1% | +13.5% | – | |
| EPS, diluted | +4.8% | +2.7% | +13.4% | – | |
| Free cash flow | -40.5% | -34.6% | -23.6% | – | |
| Dividend per share | +15.7% | +17.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 15.8% | 14.2% | |
| Return on assets | – | 2.1% | 1.6% | |
| Capex to revenue | – | 0.6% | 0.4% | |
| Diluted shares | – | 26M | 26M |
Where the cash went
Fiscal 2021 to 2025, five years combined
MetroCity Bankshares generated $383.43M from operations and spent $119.30M on capital expenditure, dividends and share buybacks. 8% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 44.0% | 0.04× | 8.66× | 14.2% |
| FY2024 | 45.7% | 0.04× | 8.84× | 16.1% |
| FY2023 | 43.1% | 0.03× | 9.48× | 14.1% |
| FY2022 | 45.5% | 0.04× | 10.21× | 19.6% |
| FY2021 | 44.8% | 0.06× | 9.35× | 23.1% |
| FY2020 | 39.0% | 0.05× | 7.65× | 15.8% |
| FY2019 | 44.3% | 0.07× | 7.95× | 23.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$68.53M
- Cash generatingOperating cash flow above zero$37.70M
- Return on assets improvedROA up on the prior year1.8% → 1.9%
- Earnings backed by cashOperating cash flow above net income$37.70M vs $68.53M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise26M → 26M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04
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