MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc.

MCBSยทNASDAQ

$32.42

-2.0%
Financial ServicesBanks - Regional

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and online banking, treasury management, wire transfer, automated clearing house, and cash management services. It serves small to medium-sized businesses, individuals, businesses, municipalities, and other entities. The company operates 19 full-service branch locations in Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia. The company was founded in 2006 and is headquartered in Doraville, Georgia.

At a Glance

Live Snapshot
Market Cap$929.16M
EPS2.6700
P/E Ratio12.14
Earnings Date07/24/2026
MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc. Fair Value Envelope

MCBS ยท NASDAQ

Our analysis suggests that MCBS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $32.42, this represents a potential HIDDEN relative to our calculated worth for MetroCity Bankshares, Inc..

Intrinsic Value
Current Price: $32.42

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1,244.5B
+ Cash & Equivalents$370.8M
Firm Value$1,244.9B
- Debt$540.6M
Equity Value$1,244.4B
/ Shares Outstanding25,537,746B
DCF Value$48.7K
UNDERVALUED BY 150199%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$274.0M
$548.1M
$1.1B
$2.2B
$4.4B
$8.8B
$17.5B
$35.1B
$70.2B
$140.3B
Maintenance CapEx
-$269.6K
-$539.2K
-$1.1M
-$2.2M
-$4.3M
-$8.6M
-$17.3M
-$34.5M
-$69.0M
-$138.0M
Owner Earnings
$273.8M
$547.5M
$1.1B
$2.2B
$4.4B
$8.8B
$17.5B
$35.0B
$70.1B
$140.2B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$253.5M
$469.4M
$869.3M
$1.6B
$3.0B
$5.5B
$10.2B
$18.9B
$35.1B
$64.9B
Terminal Value represents 88.7% of Enterprise Value