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MetroCity Bankshares, Inc. MCBS R2K

Financial Services · Banks - Regional · United States
https://www.metrocitybank.bank

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.

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$32.66
+21.12% 1Y

Market & Price

Market Cap
$936.04M
Current Price
$32.66
High / Low (52W)
$32.96 / $24.29
Beta
0.72

Valuation

Stock P/E
11.75
Industry PE
12.01
Forward P/E
9.90
PEG Ratio
-
Book Value
$18.88
Price to Book
1.73
P/S
5.45
EV/EBITDA
-
Dividend Yield
3.19%

Profitability & Returns

ROCE
-
ROE
15.18%
ROA
1.79%
Profit Margin
43.41%
Op Margin
61.74%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$2.78

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$439.83M
Total Assets
$4.77B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.61%
Chg in Prom Hold
-
FII / Inst Holding
24.76%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$983.29M
Total Revenue (TTM)
$171.71M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$71.60M
Shares Outstanding
28.66M
Gross Margin
0.00%
Payout Ratio
35.25%

Growth (CAGR)

Revenue 5Y
4.44%
Profit 5Y
3.06%
Revenue (YoY)
44.00%
Earnings (YoY)
22.20%

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

Robinhood TradingView StockAnalysis

Fundamental Growth

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).

#NameCMP $P/E Mkt CapDiv 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%
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Quarterly Results

Figures in USD.

Metric Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -------------------36.01M37.91M37.97M41.53M50.84M
Cost of Revenue ------------------------
Gross Profit ------------------------
Operating Expenses ------------------------
Operating Income ------------------------
EBITDA ------------------------
Interest Expense -------------------21.96M21.87M22.21M24.33M26.50M
Pretax Income -------------------22.08M23.67M23.84M23.11M30.22M
Tax Provision -------------------5.78M6.84M6.57M4.97M7.91M
Net Income 9.85M8.73M12.96M12.36M9.82M7.74M9.38M12.98M14.39M16.88M19.43M16.10M16.89M15.73M13.11M11.43M14.63M16.94M16.70M16.30M16.83M17.27M18.14M22.31M
Diluted EPS 0.400.360.530.500.380.300.360.500.560.660.760.630.660.620.510.450.570.660.650.630.650.670.680.77

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----134.68M118.03M139.66M153.42M
Cost of Revenue ---------
Gross Profit ---------
Operating Expenses ---------
Operating Income ---------
EBITDA ---------
Interest Expense -----27.61M91.35M94.77M90.38M
Pretax Income -----91.22M71.97M87.31M92.69M
Tax Provision -----28.61M20.36M22.81M24.16M
Net Income 31.90M41.33M44.72M36.39M-62.60M51.61M64.50M68.53M
Diluted EPS 1.321.691.811.41-2.552.022.522.64

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 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.43B1.63B1.90B3.11B3.43B3.50B3.59B4.77B
Current Assets ----------
Cash & Equivalents --138.43M276.41M150.69M441.34M150.96M142.15M236.34M370.83M
Inventory ----------
Receivables ------13.17M15.12M15.86M20.30M
Total Liabilities --1.26B1.42B1.65B2.82B3.08B3.12B3.17B4.22B
Current Liabilities ----------
Long Term Debt ------375.39M325.00M375.00M375.00M
Total Debt ------384.28M333.65M382.94M525.31M
Total Equity 107.26M135.12M168.61M216.72M244.83M290.22M349.42M381.52M421.35M544.18M
Shares Outstanding ------25.17M25.21M25.40M28.82M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 151.81M-160.99M32.20M142.56M-134.69M82.10M63.50M37.70M
Investing Cash Flow -277.94M109.41M-18.29M-477.86M--651.82M-110.27M5.87M126.83M
Financing Cash Flow 155.40M94.17M124.08M209.58M-255.27M-6.51M35.70M-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-163.85M31.10M142.02M-132.34M77.17M62.22M37.03M
Net Change in Cash ------261.86M-34.68M105.07M133.80M
Share Buybacks --1.49M-5.54M8.20M2.02M10.00K2.73M

Ratios (Annual)

Figures in %.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
20.61%
Institutions
24.76%
Public Float
31.19%

Top Institutional Holders

#Holder% HeldSharesValue
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

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