MetroCity Bankshares, Inc. MCBS R2K
Company Overview
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 development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.
Why Investors Should Care
Generates a return on equity of 15.2%, reflecting efficient use of shareholder capital.
Net profit has compounded at 10.0% per year over the last five years.
Trades at a P/E of 12.9, below the sector median of 13.5.
Maintains a net profit margin of 43.4%.
Offers a dividend yield of 2.94%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +44.0%, earnings +22.2%.
- 5-Year Trend Long-term compounding — profit CAGR 10.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 44.00% |
Compounded Profit Growth
| 5 Years: | 10.03% |
| 1 Year: | 22.20% |
Stock Price Performance
| 1 Year: | +25.63% |
| 6 Months: | +34.97% |
| 3 Months: | +15.75% |
| 1 Month: | +4.46% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.34 · Neutral
P/E of 12.89 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 43.4%.
- Profit CAGR of 10.0% over 5 years.
- Attractive dividend yield of 2.94%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | MCBS MetroCity Bankshares, Inc. R2K | 35.83 | 12.89 | $1.03B | 2.94% | - | 15.18% | - | 10.03% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 9.85M | 8.73M | 12.96M | 12.36M | 9.82M | 7.74M | 9.38M | 12.98M | 14.39M | 16.88M | 19.43M | 16.10M | 16.89M | 15.73M | 13.11M | 11.43M | 14.63M | 16.94M | 16.70M | 16.30M | 16.83M | 17.27M | 22.31M |
| Diluted EPS | 0.40 | 0.36 | 0.53 | 0.50 | 0.38 | 0.30 | 0.36 | 0.50 | 0.56 | 0.66 | 0.76 | 0.63 | 0.66 | 0.62 | 0.51 | 0.45 | 0.57 | 0.66 | 0.65 | 0.63 | 0.65 | 0.67 | 0.77 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Net Income | 31.90M | 41.33M | 44.72M | 36.39M | 61.70M | 62.60M | 51.61M | 64.50M | 68.53M |
| Diluted EPS | 1.32 | 1.69 | 1.81 | 1.41 | 2.39 | 2.44 | 2.02 | 2.52 | 2.64 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.43B | 1.63B | 1.90B | 3.11B | 3.43B | 3.50B | 3.59B | 4.77B |
| Total Equity | 107.26M | 135.12M | 168.61M | 216.72M | 244.83M | 290.22M | 349.42M | 381.52M | 421.35M | 544.18M |
| Cash & Equivalents | - | - | 138.43M | 276.41M | 150.69M | 441.34M | 179.49M | 144.81M | 249.88M | 383.68M |
| Total Liabilities | - | - | 1.26B | 1.42B | 1.65B | 2.82B | 3.08B | 3.12B | 3.17B | 4.22B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 151.81M | -160.99M | 32.20M | 142.56M | 65.43M | 134.69M | 82.10M | 63.50M | 37.70M |
| Investing Cash Flow | -277.94M | 109.41M | -18.29M | -477.86M | -930.55M | -651.82M | -110.27M | 5.87M | 126.83M |
| Financing Cash Flow | 155.40M | 94.17M | 124.08M | 209.58M | 1.16B | 255.27M | -6.51M | 35.70M | -30.73M |
| Capital Expenditure | -5.91M | -2.85M | -1.10M | -537.00K | -384.00K | -2.35M | -4.93M | -1.29M | -674.00K |
| Free Cash Flow | 145.90M | -163.85M | 31.10M | 142.02M | 65.05M | 132.34M | 77.17M | 62.22M | 37.03M |
| Share Buybacks | - | - | 1.49M | - | 5.54M | 8.20M | 2.02M | 10.00K | 2.73M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| ROE % | 23.6% | 24.5% | 20.6% | 14.9% | 21.3% | 17.9% | 13.5% | 15.3% | 12.6% |
| ROCE % | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.18% | 1.50M | $53.44M |
| 2 | Vanguard Capital Management LLC | 3.61% | 878.20K | $31.22M |
| 3 | American Century Companies Inc | 2.57% | 625.05K | $22.22M |
| 4 | Geode Capital Management, LLC | 2.13% | 518.37K | $18.43M |
| 5 | Dimensional Fund Advisors LP | 2.05% | 498.79K | $17.73M |
| 6 | State Street Corporation | 1.95% | 474.28K | $16.86M |
| 7 | Manufacturers Life Insurance Co. | 0.91% | 220.55K | $7.84M |
| 8 | Northern Trust Corporation | 0.86% | 209.91K | $7.46M |
| 9 | Charles Schwab Investment Management, Inc. | 0.73% | 178.01K | $6.33M |
| 10 | Goldman Sachs Group Inc | 0.66% | 159.65K | $5.68M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for MCBS
MetroCity Bankshares Sets Aug. 7 Payment for $0.29 Dividend - Stock Titan
<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxQZllJVWdvUHdlM19ZdEhQeGxpSUsxcTlaRnBjTDdMb1R1bGIxb3I1UWtqUHcwOUN5RzF0eXNkS1VsS1FScFlseTlDMnZ5WW9XSVBiUl8xWDlORzNzVlFhQVZRQkp5T0RQMERZcTlEYkNKUTRSdUVNSm13VlNfQlMtMC01OVpZcDhUYjN5OX…
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend - TradingView
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxOZy1POG5mQVF2US04d2lzVzFaaW9nWVhBR0R3VDBmRmxuWFNQSDVaTXhmay1YaUxPNEZYSjQ2S3M3Und6RFVBb011bUVhcWlwN0xaSGM1TmdVZGRuTWZfU0VsTnliMjl6UXo4VUVrNlJHWjhqcWxOOVZFbnRJbWZ6Si01c1BTMU96dUJ5aH…
MetroCity Bankshares (NASDAQ: MCBS) sets $0.29 quarterly cash dividend - Stock Titan
<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxPWEhia0RiU3MwMWJQSmpxT2FwQnZ3QTFfdWdJTkFiMEZQeVJVQVFwVm1FUVQ1UFgtWjRXNk84NS1uQ2pNeUItNjVjT3dyYUxnbXc5aGQ0T1dOaG1FV2ZNWlJGV1RwTEJrVTJUaHBhSnhla2ltS0FPY01xbW9sMkZIdXNoNDdKUHBmRm1Gcn…
MetroCity Bankshares declares $0.29 quarterly dividend - Investing.com
<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxQTFZ1Y3N4TVktSVVGeF9oSG00eURDWHZWMkVUWk8zZ2pFLVpRelp5dTJhTTZaUWhtdVRaQ21Ea3hiSXFhcVhtVWlDTVpqSkxjUVpLYjZxUUZRX2QwcVZnWmRXenVtRFRuR1cybmhLVndCTFA2OWNVT252eHV3Ql9NRjRucDl2RERsYjE1WT…
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend - marketscreener.com
<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxNTi1WaFNKOHBTUVQwQmp2RnU1TDNSM252RmdZOWpxVjZFVWlZTkJiMHB3YkxyUFdYUVR2QU1Ob29meW1VZG4xTFpjRDV4Y25ZRklQVklJRDF5RW1ickxZQ0hLaXBrU2cxTDhyMUJoQ0Q1anZHZS1yUHFZaV9RZWhYZ2JfaHlUMnV2WGhWU2…
MetroCity Bankshares (NASDAQ:MCBS) Lowered to "Hold" Rating by Wall Street Zen - MarketBeat
<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxNS2FJZU9ZRmdfN3V2eFZVbC1ZZGE1Qnh6dFJVcXI5NmsyY3czM3RrZEk4dVotaFBNczZoWk8wMm1QTy0xRWdsQTQ5SjJIZ2hRRmI2WWFFQmNXQTR1TzA1VHp2OGJTdUI0cVlIR1YzdmtqR3pFU0E5RWQwTUU3TWFpNzdFSkhJMEdPYTF2dl…
MCBS — Frequently Asked Questions
What is the current share price of MetroCity Bankshares, Inc. (MCBS)?
As of 2026-07-15 16:51 PDT, MetroCity Bankshares, Inc. (MCBS) trades at $35.83 on NasdaqGS. Its 52-week range is $24.29 to $36.89.
What is the market capitalisation of MCBS?
MetroCity Bankshares, Inc. (MCBS) has a market capitalisation of $1.03B on NasdaqGS.
What is the P/E ratio of MCBS?
MCBS trades at a trailing price-to-earnings (P/E) ratio of 12.89. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.84.
Does MCBS pay a dividend?
MetroCity Bankshares, Inc. (MCBS) currently offers a dividend yield of 2.94%.
What is the return on equity (ROE) of MCBS?
MCBS has a return on equity (ROE) of 15.18%.
Is MCBS a good stock to buy?
This page provides a data-driven analysis of MetroCity Bankshares, Inc. (MCBS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.