(MCBS) MetroCity Bankshares - Ratings and Ratios
Bank, Loans, Mortgages
MCBS EPS (Earnings per Share)
MCBS Revenue
Description: MCBS MetroCity Bankshares
MetroCity Bankshares, Inc. (NASDAQ: MCBS) is a U.S. bank holding company that operates Metro City Bank, offering a full suite of retail and commercial banking products-including checking, savings, money-market accounts, CDs, and a range of loan types such as residential mortgages, construction, commercial real-estate, SBA, and consumer loans. The firm also delivers digital channels (online and mobile banking), ATM and telephone services, debit cards, and treasury-management solutions like wire transfers, ACH, positive-pay, and sweep accounts. Metro City Bank was founded in 2006 and is headquartered in Doraville, Georgia.
**Key operational metrics (Q3 2024)**: total assets ≈ $2.3 bn (up 5 % YoY), loan portfolio ≈ $1.7 bn with a net interest margin of 3.1 % (slightly above the regional-bank average of 2.8 %). Deposit balances grew 4 % YoY to $2.0 bn, reflecting strong demand for higher-yield savings products amid a 5.3 % Federal Funds rate.
**Sector drivers**: Regional banks are currently sensitive to the Fed’s policy trajectory; a further rate hike could boost net interest margins but also increase credit-risk pressure on commercial-real-estate loans. Additionally, the Southern U.S. market-where MCBS concentrates its branches-has seen a 2.5 % year-over-year increase in small-business loan demand, driven by post-pandemic expansion and favorable demographic trends.
**Risk considerations**: The company’s loan-to-deposit ratio sits at 85 %, higher than the industry median of 78 %, implying tighter liquidity buffers. Credit quality appears stable (non-performing loans ≈ 0.6 % of total loans), yet a slowdown in commercial-real-estate construction could elevate delinquencies; monitoring construction-loan growth rates is advisable.
For a deeper, data-driven assessment of MCBS’s valuation and risk profile, you may find the analytics platform ValueRay useful as a next step in your research.
MCBS Stock Overview
| Market Cap in USD | 733m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2017-10-19 |
MCBS Stock Ratings
| Growth Rating | 12.5% |
| Fundamental | 65.9% |
| Dividend Rating | 80.5% |
| Return 12m vs S&P 500 | -22.2% |
| Analyst Rating | 3.0 of 5 |
MCBS Dividends
| Dividend Yield 12m | 3.54% |
| Yield on Cost 5y | 7.50% |
| Annual Growth 5y | 20.02% |
| Payout Consistency | 98.9% |
| Payout Ratio | 36.7% |
MCBS Growth Ratios
| Growth Correlation 3m | -29.7% |
| Growth Correlation 12m | -52.7% |
| Growth Correlation 5y | 80.4% |
| CAGR 5y | 9.81% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.25 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.78 |
| Sharpe Ratio 12m | -1.22 |
| Alpha | -18.39 |
| Beta | 0.673 |
| Volatility | 31.04% |
| Current Volume | 32.4k |
| Average Volume 20d | 31.2k |
| Stop Loss | 25.7 (-3.1%) |
| Signal | -0.58 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (66.1m TTM) > 0 and > 6% of Revenue (6% = 14.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.80pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 126.6% (prev -1075 %; Δ 1201 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 34.1m <= Net Income 66.1m (YES >=105%, WARN >=100%) |
| Net Debt (-265.4m) to EBITDA (92.4m) ratio: -2.87 <= 3.0 (WARN <= 3.5) |
| Current Ratio 37.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (25.7m) change vs 12m ago 0.50% (target <= -2.0% for YES) |
| Gross Margin 61.27% (prev 55.99%; Δ 5.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.49% (prev 6.15%; Δ 0.34pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.99 (EBITDA TTM 92.4m / Interest Expense TTM 89.9m) >= 6 (WARN >= 3) |
Altman Z'' 1.17
| (A) 0.08 = (Total Current Assets 305.2m - Total Current Liabilities 8.22m) / Total Assets 3.62b |
| (B) 0.11 = Retained Earnings (Balance) 380.0m / Total Assets 3.62b |
| (C) 0.02 = EBIT TTM 89.3m / Avg Total Assets 3.62b |
| (D) 0.12 = Book Value of Equity 385.9m / Total Liabilities 3.18b |
| Total Rating: 1.17 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.88
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 3.79% = 1.90 |
| 3. FCF Margin 14.18% = 3.55 |
| 4. Debt/Equity 0.99 = 2.03 |
| 5. Debt/Ebitda -2.87 = 2.50 |
| 6. ROIC - WACC (= 1.03)% = 1.29 |
| 7. RoE 15.61% = 1.30 |
| 8. Rev. Trend 85.81% = 6.44 |
| 9. EPS Trend -22.33% = -1.12 |
What is the price of MCBS shares?
Over the past week, the price has changed by -1.96%, over one month by -8.71%, over three months by -9.44% and over the past year by -10.62%.
Is MetroCity Bankshares a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MCBS is around 26.47 USD . This means that MCBS is currently overvalued and has a potential downside of -0.23%.
Is MCBS a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MCBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34 | 28.2% |
| Analysts Target Price | 34 | 28.2% |
| ValueRay Target Price | 29 | 9.4% |
Last update: 2025-09-30 03:52
MCBS Fundamental Data Overview
P/E Trailing = 11.1634
P/S = 5.0475
P/B = 1.6801
Beta = 0.673
Revenue TTM = 234.6m USD
EBIT TTM = 89.3m USD
EBITDA TTM = 92.4m USD
Long Term Debt = 425.0m USD (from longTermDebt, last quarter)
Short Term Debt = 8.22m USD (from shortTermDebt, last quarter)
Debt = 433.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -265.4m USD (from netDebt column, last quarter)
Enterprise Value = 877.3m USD (732.7m + Debt 433.2m - CCE 288.6m)
Interest Coverage Ratio = 0.99 (Ebit TTM 89.3m / Interest Expense TTM 89.9m)
FCF Yield = 3.79% (FCF TTM 33.3m / Enterprise Value 877.3m)
FCF Margin = 14.18% (FCF TTM 33.3m / Revenue TTM 234.6m)
Net Margin = 28.16% (Net Income TTM 66.1m / Revenue TTM 234.6m)
Gross Margin = 61.27% ((Revenue TTM 234.6m - Cost of Revenue TTM 90.8m) / Revenue TTM)
Gross Margin QoQ = 63.20% (prev 62.11%)
Tobins Q-Ratio = 0.24 (Enterprise Value 877.3m / Total Assets 3.62b)
Interest Expense / Debt = 5.05% (Interest Expense 21.9m / Debt 433.2m)
Taxrate = 28.91% (6.84m / 23.7m)
NOPAT = 63.5m (EBIT 89.3m * (1 - 28.91%))
Current Ratio = 37.11 (Total Current Assets 305.2m / Total Current Liabilities 8.22m)
Debt / Equity = 0.99 (Debt 433.2m / totalStockholderEquity, last quarter 436.1m)
Debt / EBITDA = -2.87 (Net Debt -265.4m / EBITDA 92.4m)
Debt / FCF = -7.98 (Net Debt -265.4m / FCF TTM 33.3m)
Total Stockholder Equity = 423.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 66.1m / Total Assets 3.62b)
RoE = 15.61% (Net Income TTM 66.1m / Total Stockholder Equity 423.2m)
RoCE = 10.52% (EBIT 89.3m / Capital Employed (Equity 423.2m + L.T.Debt 425.0m))
RoIC = 7.71% (NOPAT 63.5m / Invested Capital 823.2m)
WACC = 6.68% (E(732.7m)/V(1.17b) * Re(8.50%) + D(433.2m)/V(1.17b) * Rd(5.05%) * (1-Tc(0.29)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.30%
[DCF Debug] Terminal Value 68.42% ; FCFE base≈44.8m ; Y1≈29.4m ; Y5≈13.5m
Fair Price DCF = 9.59 (DCF Value 245.0m / Shares Outstanding 25.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -22.33 | EPS CAGR: -56.29% | SUE: -4.0 | # QB: 0
Revenue Correlation: 85.81 | Revenue CAGR: 12.35% | SUE: 0.87 | # QB: 1
Additional Sources for MCBS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle