(MCBS) MetroCity Bankshares - NASDAQ
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 991m USD | Total Return: 31.7% in 12m
Avg Turnover: 2.71M
EPS Trend: 86.8%
Qual. Beats: 2
Rev. Trend: 93.7%
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
No distinct edge detected
MetroCity Bankshares, Inc. (MCBS) functions as the bank holding company for Metro City Bank, a regional financial institution headquartered in Doraville, Georgia. The company focuses on a diverse lending portfolio that includes residential mortgages, commercial real estate loans, and Small Business Administration (SBA) guaranteed loans. Its service suite encompasses traditional deposit products, treasury management, and digital banking infrastructure for both consumer and commercial clients.
Operating within the regional banking sub-industry, MCBS utilizes a business model centered on interest rate spreads and fee generation from specialized lending. Regional banks often maintain a competitive advantage through localized credit underwriting and niche expertise in specific ethnic or geographic markets. For a deeper look into the companys valuation metrics, consider reviewing the latest data on ValueRay.
The companys operational framework includes comprehensive cash management services such as remote deposit capture, automated clearing house (ACH) processing, and positive pay systems. Founded in 2006, MetroCity Bankshares has expanded its reach through a combination of physical branches and mobile banking solutions to capture market share within the small-cap financial sector.
- SBA loan sale premiums and secondary market volume drive noninterest income
- Net interest margin sensitivity to Fed rate cuts and deposit costs
- Residential mortgage origination volume and gain-on-sale margins
- Asset quality and credit performance within commercial real estate portfolio
| Net Income: 74.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.22 > 1.0 |
| NWC/Revenue: 150.5% < 20% (prev -1.04k%; Δ 1.19k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 66.2m > Net Income 74.7m |
| Net Debt (53.5m) to EBITDA (98.1m): 0.55 < 3 |
| Current Ratio: 25.76 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.1m) vs 12m ago 13.00% < -2% |
| Gross Margin: 62.49% > 18% (prev 60.71%; Δ 1.77% > 0.5%) |
| Asset Turnover: 6.03% > 50% (prev 6.41%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 1.00 > 6 (EBIT TTM 94.7m / Interest Expense TTM 94.9m) |
| A: 0.08 (Total Current Assets 394.3m - Total Current Liabilities 15.3m) / Total Assets 4.69b |
| B: 0.09 (Retained Earnings 417.8m / Total Assets 4.69b) |
| C: 0.02 (EBIT TTM 94.7m / Avg Total Assets 4.17b) |
| D: 0.13 (Book Value of Equity 554.2m / Total Liabilities 4.13b) |
| Altman-Z'' = 1.11 = BB |
| DSRI: 1.15 (Receivables 20.3m/16.5m, Revenue 251.8m/234.5m) |
| GMI: 0.97 (GM 60.71% / 62.49%) |
| AQI: 1.00 (AQ_t 0.91 / AQ_t-1 0.91) |
| SGI: 1.07 (Revenue 251.8m / 234.5m) |
| TATA: 0.00 (NI 74.7m - CFO 66.2m) / TA 4.69b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of June 15, 2026, the stock is trading at USD 34.30 with a total of 66,368 shares traded.
Over the past week, the price has changed by +1.54%,
over one month by +8.54%,
over three months by +21.04% and
over the past year by +31.67%.
MetroCity Bankshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold MCBS.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 35 | 2% |
P/E Trailing = 12.4424
P/S = 5.7983
P/B = 1.7848
Revenue TTM = 251.8m USD
EBIT TTM = 94.7m USD
EBITDA TTM = 98.1m USD
Long Term Debt = 425.0m USD (from longTermDebt, last quarter)
Short Term Debt = 2.92m USD (from shortTermDebt, last quarter)
Debt = 454.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.5m
Net Debt = 53.5m USD (calculated: Debt 454.0m - CCE 400.6m)
Enterprise Value = 1.04b USD (991.4m + Debt 454.0m - CCE 400.6m)
Interest Coverage Ratio = 1.00 (Ebit TTM 94.7m / Interest Expense TTM 94.9m)
EV/FCF = 13.00x (Enterprise Value 1.04b / FCF TTM 80.4m)
FCF Yield = 7.69% (FCF TTM 80.4m / Enterprise Value 1.04b)
FCF Margin = 31.92% (FCF TTM 80.4m / Revenue TTM 251.8m)
Net Margin = 29.67% (Net Income TTM 74.7m / Revenue TTM 251.8m)
Gross Margin = 62.49% ((Revenue TTM 251.8m - Cost of Revenue TTM 94.5m) / Revenue TTM)
Gross Margin QoQ = 62.67% (prev 60.10%)
Tobins Q-Ratio = 0.22 (Enterprise Value 1.04b / Total Assets 4.69b)
Interest Expense / Debt = 20.91% (Interest Expense 94.9m / Debt 454.0m)
Taxrate = 26.07% (26.4m / 101.1m)
NOPAT = 70.0m (EBIT 94.7m * (1 - 26.07%))
Current Ratio = 15.46 (Total Current Assets 394.3m / Total Current Liabilities 25.5m)
Debt / Equity = 0.82 (Debt 454.0m / totalStockholderEquity, last quarter 554.2m)
Debt / EBITDA = 0.55 (Net Debt 53.5m / EBITDA 98.1m)
Debt / FCF = 0.67 (Net Debt 53.5m / FCF TTM 80.4m)
Total Stockholder Equity = 495.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.79% (Net Income 74.7m / Total Assets 4.69b)
RoE = 15.09% (Net Income TTM 74.7m / Total Stockholder Equity 495.1m)
RoCE = 10.29% (EBIT 94.7m / Capital Employed (Equity 495.1m + L.T.Debt 425.0m))
RoIC = 1.50% (NOPAT 70.0m / Invested Capital 4.68b)
WACC = 10.55% (E(991.4m)/V(1.45b) * Re(8.31%) + D(454.0m)/V(1.45b) * Rd(20.91%) * (1-Tc(0.26)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.39 | Cagr: 5.88%
[DCF] Terminal Value 70.92% ; FCFF base≈76.5m ; Y1≈86.7m ; Y5≈123.8m
[DCF] Fair Price = 45.08 (EV 1.35b - Net Debt 53.5m = Equity 1.29b / Shares 28.7m; r=10.55% [WACC]; 5y FCF grow 13.62% → 2.50% )
EPS Correlation: 86.75 | EPS CAGR: 13.14% | SUE: 1.87 | # QB: 2
Revenue Correlation: 93.67 | Revenue CAGR: 9.15% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.82 | Chg30d=+2.50% | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.84 | Chg30d=+2.44% | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=3.28 | Chg30d=+1.23% | Revisions=-20% | GrowthEPS=+18.4% | GrowthRev=+34.6%
EPS next Year (2027-12-31): EPS=3.30 | Chg30d=+0.61% | Revisions=N/A | GrowthEPS=+0.6% | GrowthRev=+2.6%