MetroCity Bankshares, Inc. MCBS R2K
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 43.4%.
- Attractive dividend yield of 3.19%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 32.66 | 11.75 | $936.04M | 3.19% | - | 15.18% | 4.44% | 3.06% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 36.01M | 37.91M | 37.97M | 41.53M | 50.84M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.96M | 21.87M | 22.21M | 24.33M | 26.50M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 22.08M | 23.67M | 23.84M | 23.11M | 30.22M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.78M | 6.84M | 6.57M | 4.97M | 7.91M |
| 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 | 18.14M | 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 | 0.68 | 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 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | 134.68M | 118.03M | 139.66M | 153.42M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | 27.61M | 91.35M | 94.77M | 90.38M |
| Pretax Income | - | - | - | - | - | 91.22M | 71.97M | 87.31M | 92.69M |
| Tax Provision | - | - | - | - | - | 28.61M | 20.36M | 22.81M | 24.16M |
| Net Income | 31.90M | 41.33M | 44.72M | 36.39M | - | 62.60M | 51.61M | 64.50M | 68.53M |
| Diluted EPS | 1.32 | 1.69 | 1.81 | 1.41 | - | 2.55 | 2.02 | 2.52 | 2.64 |
Compounded Sales Growth
| 5 Years: | 4.44% |
| 1 Year: | 44.00% |
Compounded Profit Growth
| 5 Years: | 3.06% |
| 1 Year: | 22.20% |
Stock Price Performance
| 1 Year: | +21.12% |
| 6 Months: | +23.58% |
| 3 Months: | +17.26% |
| 1 Month: | +2.19% |
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 |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 138.43M | 276.41M | 150.69M | 441.34M | 150.96M | 142.15M | 236.34M | 370.83M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | 13.17M | 15.12M | 15.86M | 20.30M |
| Total Liabilities | - | - | 1.26B | 1.42B | 1.65B | 2.82B | 3.08B | 3.12B | 3.17B | 4.22B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | 375.39M | 325.00M | 375.00M | 375.00M |
| Total Debt | - | - | - | - | - | - | 384.28M | 333.65M | 382.94M | 525.31M |
| Total Equity | 107.26M | 135.12M | 168.61M | 216.72M | 244.83M | 290.22M | 349.42M | 381.52M | 421.35M | 544.18M |
| Shares Outstanding | - | - | - | - | - | - | 25.17M | 25.21M | 25.40M | 28.82M |
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 | - | 134.69M | 82.10M | 63.50M | 37.70M |
| Investing Cash Flow | -277.94M | 109.41M | -18.29M | -477.86M | - | -651.82M | -110.27M | 5.87M | 126.83M |
| Financing Cash Flow | 155.40M | 94.17M | 124.08M | 209.58M | - | 255.27M | -6.51M | 35.70M | -30.73M |
| Capital Expenditure | -5.91M | -2.85M | -1.10M | -537.00K | - | -2.35M | -4.93M | -1.29M | -674.00K |
| Free Cash Flow | 145.90M | -163.85M | 31.10M | 142.02M | - | 132.34M | 77.17M | 62.22M | 37.03M |
| Net Change in Cash | - | - | - | - | - | -261.86M | -34.68M | 105.07M | 133.80M |
| 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 % | - | - | - | - | - | 46.5% | 43.7% | 46.2% | 44.7% |
| ROE % | 23.6% | 24.5% | 20.6% | 14.9% | - | 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 | $49.10M |
| 2 | Vanguard Capital Management LLC | 3.61% | 878.20K | $28.68M |
| 3 | American Century Companies Inc | 2.57% | 625.05K | $20.41M |
| 4 | Geode Capital Management, LLC | 2.13% | 518.37K | $16.93M |
| 5 | Dimensional Fund Advisors LP | 2.05% | 498.79K | $16.29M |
| 6 | State Street Corporation | 1.95% | 474.28K | $15.49M |
| 7 | Manufacturers Life Insurance Co. | 0.91% | 220.55K | $7.20M |
| 8 | Northern Trust Corporation | 0.86% | 209.91K | $6.86M |
| 9 | Charles Schwab Investment Management, Inc. | 0.73% | 178.01K | $5.81M |
| 10 | Goldman Sachs Group Inc | 0.66% | 159.65K | $5.21M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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