MCBS Stock Analysis: MetroCity Bankshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.038m USD | 12M Return: 42.8% | US59165J1051 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.94M
EPS Trend: 97.8%
Qual. Beats: 0
Rev. Trend: 93.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.1 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
MetroCity Bankshares, Inc. (NASDAQ: MCBS) is the bank holding company for Metro City Bank, a U.S. institution offering a full suite of consumer and commercial banking products. Its deposit offerings include checking, savings, money market accounts, and certificates of deposit, while its lending portfolio spans single-family residential mortgages, construction and development loans, owner- and non-owner-occupied commercial real estate, commercial and industrial loans, SBA loans, and consumer loans, supplemented by letters of credit and investment securities.
The company delivers these services through multiple channels, including online and mobile banking (with remote check deposit and mobile bill pay), ATMs, telephone banking, and in-person appointments. It also provides debit cards, direct deposits, cashiers checks, and a range of treasury and cash management solutions for businesses, such as wire transfers, ACH, remote deposit capture, positive pay, zero balance accounts, and sweep accounts. Founded in 2006 and headquartered in Doraville, Georgia, MCBS operates as a regional bank focused on relationship-based community and commercial banking, a segment that typically relies on local deposit gathering and small-to-mid-sized business lending.
- Commercial real estate loan concentration pressures credit quality
- Net interest margin compresses as deposit costs rise
- SBA loan growth boosts fee income and diversification
| Net Income: 87.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.79 > 1.0 |
| NWC/Revenue: -1.11k% < 20% (prev -1.05k%; Δ -54.33% < -1%) |
| CFO/TA 0.01 > 3% & CFO 43.5m > Net Income 87.1m |
| Net Debt (44.6m) to EBITDA (115.7m): 0.39 < 3 |
| Current Ratio: 0.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.0m) vs 12m ago 12.83% < -2% |
| Gross Margin: 64.77% > 18% (prev 62.28%; Δ 2.49% > 0.5%) |
| Asset Turnover: 7.01% > 50% (prev 6.46%; Δ 0.56% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 112.2m / Interest Expense TTM 103.4m) |
| A: -0.69 (Total Current Assets 378.3m - Total Current Liabilities 3.57b) / Total Assets 4.60b |
| B: 0.10 (Retained Earnings 447.4m / Total Assets 4.60b) |
| C: 0.03 (EBIT TTM 112.2m / Avg Total Assets 4.11b) |
| D: 0.15 (Book Value of Equity 583.9m / Total Liabilities 4.01b) |
| Altman-Z'' = -3.90 = D |
| DSRI: 0.98 (Receivables 20.4m/16.9m, Revenue 288.5m/234.3m) |
| GMI: 0.96 (GM 62.28% / 64.77%) |
| AQI: 0.98 (AQ_t 0.91 / AQ_t-1 0.93) |
| SGI: 1.23 (Revenue 288.5m / 234.3m) |
| TATA: 0.01 (NI 87.1m - CFO 43.5m) / TA 4.60b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of November 12, 2026, the stock is trading at USD 36.24 with a total of 62,345 shares traded. Over the past week, the price has changed by -0.98%, over one month by +5.22%, over three months by +1.85% and over the past year by +42.84%.
Current recommended Stop Loss: 34.80 (which is 4% or 1.6 ATR below the current price).
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 | 41 | 13.1% |
P/E Trailing = 11.8197
P/S = 5.3252
P/B = 1.7813
Revenue TTM = 288.5m USD
EBIT TTM = 112.2m USD
EBITDA TTM = 115.7m USD
Long Term Debt = 375.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 13.3m USD (from shortTermDebt, last quarter)
Debt = 402.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.1m
Net Debt = 44.6m USD (calculated: Debt 402.5m - CCE 357.9m)
Enterprise Value = 1.08b USD (1.04b + Debt 402.5m - CCE 357.9m)
Interest Coverage Ratio = 1.09 (Ebit TTM 112.2m / Interest Expense TTM 103.4m)
EV/FCF = 26.15x (Enterprise Value 1.08b / FCF TTM 41.4m)
FCF Yield = 3.82% (FCF TTM 41.4m / Enterprise Value 1.08b)
FCF Margin = 14.34% (FCF TTM 41.4m / Revenue TTM 288.5m)
Net Margin = 30.18% (Net Income TTM 87.1m / Revenue TTM 288.5m)
Gross Margin = 64.77% ((Revenue TTM 288.5m - Cost of Revenue TTM 101.7m) / Revenue TTM)
Gross Margin QoQ = 64.79% (prev 66.42%)
Tobins Q-Ratio = 0.24 (Enterprise Value 1.08b / Total Assets 4.60b)
Interest Expense / Debt = 25.68% (Interest Expense 103.4m / Debt 402.5m)
Taxrate = 22.39% (25.1m / 112.2m)
NOPAT = 87.1m (EBIT 112.2m * (1 - 22.39%))
Current Ratio = 0.11 (Total Current Assets 378.3m / Total Current Liabilities 3.57b)
Debt / Equity = 0.69 (Debt 402.5m / totalStockholderEquity, last quarter 583.9m)
Debt / EBITDA = 0.39 (Net Debt 44.6m / EBITDA 115.7m)
Debt / FCF = 1.08 (Net Debt 44.6m / FCF TTM 41.4m)
Total Stockholder Equity = 562.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.12% (Net Income 87.1m / Total Assets 4.60b)
RoE = 15.47% (Net Income TTM 87.1m / Total Stockholder Equity 562.6m)
RoCE = 11.96% (EBIT 112.2m / Capital Employed (Equity 562.6m + L.T.Debt 375.0m))
RoIC = 8.46% (NOPAT 87.1m / Invested Capital 1.03b)
WACC = 10.69% (E(1.04b)/V(1.44b) * Re(7.10%) + D(402.5m)/V(1.44b) * Rd(25.68%) * (1-Tc(0.22)))
Discount Rate = 7.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.71 | Cagr: 5.82%
[DCF] Terminal Value 64.90% ; FCFF base≈49.3m ; Y1≈43.3m ; Y5≈35.0m
[DCF] Fair Price = 12.55 (EV 405.8m - Net Debt 44.6m = Equity 361.3m / Shares 28.8m; r=10.69% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 97.77 | EPS CAGR: 18.55% | SUE: 0.0 | # QB: 0
Revenue Correlation: 93.00 | Revenue CAGR: 10.19% | SUE: 0.74 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.73 | Chg30d=-7.59% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=3.20 | Chg30d=-1.54% | Revisions=-25% | GrowthEPS=+15.5% | GrowthRev=+27.2%
EPS next Year (2027-12-31): EPS=3.13 | Chg30d=-4.28% | Revisions=-25% | GrowthEPS=-2.2% | GrowthRev=+0.0%