(MCBS) MetroCity Bankshares - Overview
Stock: Deposits, Loans, Mortgages, Treasury, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.54% |
| Yield on Cost 5y | 7.71% |
| Yield CAGR 5y | 20.19% |
| Payout Consistency | 99.0% |
| Payout Ratio | 35.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.6% |
| Relative Tail Risk | -6.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.14 |
| Alpha | -13.87 |
| Character TTM | |
|---|---|
| Beta | 0.678 |
| Beta Downside | 0.676 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.58% |
| CAGR/Max DD | 0.61 |
Description: MCBS MetroCity Bankshares January 26, 2026
MetroCity Bankshares, Inc. (NASDAQ: MCBS) is the holding company for Metro City Bank, a community-focused financial institution headquartered in Doraville, Georgia. It delivers a full suite of banking products-including consumer and commercial checking, savings, money-market accounts, CDs, and a range of loan types such as residential mortgages, construction, commercial real-estate, SBA, and consumer credit-through both brick-and-mortar branches and digital channels (online, mobile, ATM, and telephone banking). Additional services include debit cards, treasury-management tools (wire transfers, ACH, positive-pay, sweep accounts) and cash-management solutions like remote deposit capture.
Key recent metrics (Q2 2024):
• Total assets rose 5.2% YoY to $4.8 billion, driven by a 7.1% increase in loan balances, notably in commercial real-estate (up 9.4%).
• Net interest margin (NIM) held steady at 3.45%, reflecting a favorable Fed rate environment that continues to compress spreads for regional banks.
• Deposit growth outpaced loan growth at 6.3% YoY, with core deposits (checking/savings) expanding 5.8%, supporting liquidity and funding cost stability.
Sector context: the Regional Banks sub-industry is currently navigating a mixed macro backdrop-persistent inflation keeps the Federal Funds Rate near 5.25%, bolstering NIM, while tighter credit conditions and elevated loan-to-value ratios pressure credit quality. However, community banks like MCBS benefit from localized loan demand and higher deposit stickiness, which have historically translated into lower delinquency rates during rate-hike cycles.
For a deeper, data-driven valuation of MCBS, consider reviewing its profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 68.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0 |
| NWC/Revenue: 177.1% < 20% (prev -1054 %; Δ 1231 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 62.1m > Net Income 68.7m |
| Net Debt (169.8m) to EBITDA (95.6m): 1.78 < 3 |
| Current Ratio: 28.64 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.8m) vs 12m ago 4.41% < -2% |
| Gross Margin: 62.35% > 18% (prev 0.59%; Δ 6175 % > 0.5%) |
| Asset Turnover: 5.71% > 50% (prev 6.52%; Δ -0.81% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBITDA TTM 95.6m / Interest Expense TTM 90.4m) |
Altman Z'' 1.07
| A: 0.09 (Total Current Assets 438.3m - Total Current Liabilities 15.3m) / Total Assets 4.77b |
| B: 0.08 (Retained Earnings 402.9m / Total Assets 4.77b) |
| C: 0.02 (EBIT TTM 69.6m / Avg Total Assets 4.18b) |
| D: 0.10 (Book Value of Equity 405.7m / Total Liabilities 4.22b) |
| Altman-Z'' Score: 1.07 = BB |
Beneish M -2.86
| DSRI: 1.26 (Receivables 20.3m/15.9m, Revenue 238.8m/234.4m) |
| GMI: 0.95 (GM 62.35% / 59.35%) |
| AQI: 0.98 (AQ_t 0.90 / AQ_t-1 0.92) |
| SGI: 1.02 (Revenue 238.8m / 234.4m) |
| TATA: 0.00 (NI 68.7m - CFO 62.1m) / TA 4.77b) |
| Beneish M-Score: -2.86 (Cap -4..+1) = A |
What is the price of MCBS shares?
Over the past week, the price has changed by +3.30%, over one month by +11.54%, over three months by +15.02% and over the past year by -1.70%.
Is MCBS a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MCBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31 | 3.4% |
| Analysts Target Price | 31 | 3.4% |
| ValueRay Target Price | 34.5 | 15% |
MCBS Fundamental Data Overview February 09, 2026
P/S = 5.5382
P/B = 1.5855
Revenue TTM = 238.8m USD
EBIT TTM = 69.6m USD
EBITDA TTM = 95.6m USD
Long Term Debt = 425.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 15.3m USD (from shortTermDebt, last quarter)
Debt = 540.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 169.8m USD (from netDebt column, last quarter)
Enterprise Value = 986.3m USD (863.7m + Debt 540.6m - CCE 418.0m)
Interest Coverage Ratio = 0.77 (Ebit TTM 69.6m / Interest Expense TTM 90.4m)
EV/FCF = 16.10x (Enterprise Value 986.3m / FCF TTM 61.3m)
FCF Yield = 6.21% (FCF TTM 61.3m / Enterprise Value 986.3m)
FCF Margin = 25.65% (FCF TTM 61.3m / Revenue TTM 238.8m)
Net Margin = 28.77% (Net Income TTM 68.7m / Revenue TTM 238.8m)
Gross Margin = 62.35% ((Revenue TTM 238.8m - Cost of Revenue TTM 89.9m) / Revenue TTM)
Gross Margin QoQ = 60.10% (prev 64.00%)
Tobins Q-Ratio = 0.21 (Enterprise Value 986.3m / Total Assets 4.77b)
Interest Expense / Debt = 4.50% (Interest Expense 24.3m / Debt 540.6m)
Taxrate = 21.57% (5.04m / 23.3m)
NOPAT = 54.6m (EBIT 69.6m * (1 - 21.57%))
Current Ratio = 28.64 (Total Current Assets 438.3m / Total Current Liabilities 15.3m)
Debt / Equity = 0.99 (Debt 540.6m / totalStockholderEquity, last quarter 544.4m)
Debt / EBITDA = 1.78 (Net Debt 169.8m / EBITDA 95.6m)
Debt / FCF = 2.77 (Net Debt 169.8m / FCF TTM 61.3m)
Total Stockholder Equity = 463.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.64% (Net Income 68.7m / Total Assets 4.77b)
RoE = 14.82% (Net Income TTM 68.7m / Total Stockholder Equity 463.6m)
RoCE = 7.83% (EBIT 69.6m / Capital Employed (Equity 463.6m + L.T.Debt 425.0m))
RoIC = 6.33% (NOPAT 54.6m / Invested Capital 861.7m)
WACC = 6.53% (E(863.7m)/V(1.40b) * Re(8.41%) + D(540.6m)/V(1.40b) * Rd(4.50%) * (1-Tc(0.22)))
Discount Rate = 8.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.44%
[DCF Debug] Terminal Value 77.42% ; FCFF base≈50.4m ; Y1≈33.1m ; Y5≈15.1m
Fair Price DCF = 8.08 (EV 402.6m - Net Debt 169.8m = Equity 232.8m / Shares 28.8m; r=6.53% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 24.36 | EPS CAGR: 0.70% | SUE: 1.62 | # QB: 1
Revenue Correlation: 89.23 | Revenue CAGR: 12.15% | SUE: 2.92 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.70 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=3.05 | Chg30d=-0.180 | Revisions Net=-1 | Growth EPS=+10.1% | Growth Revenue=+34.4%
EPS next Year (2027-12-31): EPS=3.20 | Chg30d=N/A | Revisions Net=+0 | Growth EPS=+4.9% | Growth Revenue=+4.8%