(MCBS) MetroCity Bankshares - Ratings and Ratios
Bank, Loans, Mortgages
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.60% |
| Yield on Cost 5y | 8.09% |
| Yield CAGR 5y | 20.02% |
| Payout Consistency | 93.7% |
| Payout Ratio | 37.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 33.8% |
| Value at Risk 5%th | 51.2% |
| Relative Tail Risk | -7.97% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.81 |
| Alpha | -34.76 |
| CAGR/Max DD | 0.30 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.449 |
| Beta | 0.753 |
| Beta Downside | 0.700 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.01% |
| Mean DD | 11.55% |
| Median DD | 9.96% |
Description: MCBS MetroCity Bankshares September 11, 2025
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.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (66.6m TTM) > 0 and > 6% of Revenue (6% = 14.1m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1051 % (prev -1043 %; Δ -8.63pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 62.1m <= Net Income 66.6m (YES >=105%, WARN >=100%) |
| Net Debt (218.8m) to EBITDA (93.8m) ratio: 2.33 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.09 (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 0.24% (target <= -2.0% for YES) |
| Gross Margin 62.28% (prev 57.74%; Δ 4.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.51% (prev 6.49%; Δ 0.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.02 (EBITDA TTM 93.8m / Interest Expense TTM 88.6m) >= 6 (WARN >= 3) |
Altman Z'' -3.80
| (A) -0.68 = (Total Current Assets 233.3m - Total Current Liabilities 2.70b) / Total Assets 3.63b |
| (B) 0.11 = Retained Earnings (Balance) 391.0m / Total Assets 3.63b |
| (C) 0.03 = EBIT TTM 90.4m / Avg Total Assets 3.60b |
| (D) 0.12 = Book Value of Equity 394.7m / Total Liabilities 3.18b |
| Total Rating: -3.80 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 69.70
| 1. Piotroski 4.0pt |
| 2. FCF Yield 6.93% |
| 3. FCF Margin 26.14% |
| 4. Debt/Equity 0.97 |
| 5. Debt/Ebitda 2.33 |
| 6. ROIC - WACC (= 0.95)% |
| 7. RoE 15.39% |
| 8. Rev. Trend 91.59% |
| 9. EPS Trend -0.93% |
What is the price of MCBS shares?
Over the past week, the price has changed by +1.91%, over one month by +1.87%, over three months by -10.29% and over the past year by -19.73%.
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 | 31 | 16.3% |
| Analysts Target Price | 31 | 16.3% |
| ValueRay Target Price | 27.1 | 1.7% |
MCBS Fundamental Data Overview November 24, 2025
P/E Trailing = 10.0965
P/S = 4.5322
P/B = 1.4921
Beta = 0.734
Revenue TTM = 234.3m USD
EBIT TTM = 90.4m USD
EBITDA TTM = 93.8m USD
Long Term Debt = 425.0m USD (from longTermDebt, last quarter)
Short Term Debt = 7.70m USD (from shortTermDebt, last quarter)
Debt = 432.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 218.8m USD (from netDebt column, last quarter)
Enterprise Value = 884.1m USD (667.8m + Debt 432.7m - CCE 216.4m)
Interest Coverage Ratio = 1.02 (Ebit TTM 90.4m / Interest Expense TTM 88.6m)
FCF Yield = 6.93% (FCF TTM 61.3m / Enterprise Value 884.1m)
FCF Margin = 26.14% (FCF TTM 61.3m / Revenue TTM 234.3m)
Net Margin = 28.43% (Net Income TTM 66.6m / Revenue TTM 234.3m)
Gross Margin = 62.28% ((Revenue TTM 234.3m - Cost of Revenue TTM 88.4m) / Revenue TTM)
Gross Margin QoQ = 64.00% (prev 63.20%)
Tobins Q-Ratio = 0.24 (Enterprise Value 884.1m / Total Assets 3.63b)
Interest Expense / Debt = 5.13% (Interest Expense 22.2m / Debt 432.7m)
Taxrate = 27.56% (6.57m / 23.8m)
NOPAT = 65.5m (EBIT 90.4m * (1 - 27.56%))
Current Ratio = 0.09 (Total Current Assets 233.3m / Total Current Liabilities 2.70b)
Debt / Equity = 0.97 (Debt 432.7m / totalStockholderEquity, last quarter 445.9m)
Debt / EBITDA = 2.33 (Net Debt 218.8m / EBITDA 93.8m)
Debt / FCF = 3.57 (Net Debt 218.8m / FCF TTM 61.3m)
Total Stockholder Equity = 432.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.84% (Net Income 66.6m / Total Assets 3.63b)
RoE = 15.39% (Net Income TTM 66.6m / Total Stockholder Equity 432.8m)
RoCE = 10.54% (EBIT 90.4m / Capital Employed (Equity 432.8m + L.T.Debt 425.0m))
RoIC = 7.75% (NOPAT 65.5m / Invested Capital 845.3m)
WACC = 6.80% (E(667.8m)/V(1.10b) * Re(8.79%) + D(432.7m)/V(1.10b) * Rd(5.13%) * (1-Tc(0.28)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.37%
[DCF Debug] Terminal Value 67.15% ; FCFE base≈50.4m ; Y1≈33.1m ; Y5≈15.1m
Fair Price DCF = 10.32 (DCF Value 263.1m / Shares Outstanding 25.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -0.93 | EPS CAGR: 0.0% | SUE: 0.25 | # QB: 0
Revenue Correlation: 91.59 | Revenue CAGR: 15.44% | SUE: 0.82 | # QB: 0
Additional Sources for MCBS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle