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

Intrinsic Alpha Methodology

Thesis Lenses

Signal ยท Driver ยท Risk

Signal

High confidence

Valuation multiple is compressed (P/E 12.1).

Valuation inputs: P/E 12.1, earnings yield +8.2%, momentum -2.0%.

If multiples stay elevated while momentum fades, downside repricing risk rises.

Driver

High confidence

Return profile is acceptable (ROE +12.6%, ROIC +12.8%).

Profitability stack: net margin +29.0%, ROE +12.6%, ROIC +12.8%.

Quality deterioration often appears in margins before it shows up in headline EPS.

Risk

High confidence

Risk profile is balanced but has notable pressure points to monitor.

Risk factors: liabilities/assets +88.6%, momentum -2.0%, net margin +29.0%.

Higher leverage with weak momentum and thin margins can amplify drawdown severity.

mcbs

MetroCity Bankshares, Inc. Market vs Earnings Trajectory

MCBS ยท NASDAQ

Loading price and EPS data...

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
3Y+3.0%
5Y+88.0%
10Y+210.0%
3Y+46.0%
5Y+130.0%
10Y+271.0%
3Y+10.0%
5Y+89.0%
10Y+240.0%
3Y+2.0%
5Y-4.0%
10Y-197.0%
3Y+4.0%
5Y-4.0%
10Y-195.0%
3Y+39.0%
5Y+151.0%
10Y+333.0%
MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc. Profit Bridge

MCBS ยท NASDAQ
Revenue237.03M
Cost of Goods Sold (90.06M)
Gross Profit146.97M
Operating Expenses (54.04M)
Operating Income92.93M
Interest Expense (90.38M)
Other Income/Expense0.00
Pretax Income92.93M
Income Tax (24.23M)
Net Income68.70M
Net Income
68.70M

Profitability Analysis

Gross Margin

62.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

39.2%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

29.0%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

26.1%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

62.00%
Gross Profit Margin
4%
3Y-27.0%
5Y-27.0%
10Y-32.0%
39.21%
Operating Profit Margin
5%
3Y-30.0%
5Y-17.0%
10Y-23.0%
28.99%
Net Profit Margin
5%
3Y-25.0%
5Y-18.0%
10Y-9.0%
12.62%
Return on Equity
-18%
3Y-30.0%
5Y-15.0%
10Y-33.0%
1.44%
Return on Assets
-20%
3Y-21.0%
5Y-25.0%
10Y-22.0%
12.80%
Return on Invested Capital
69%
3Y+55.0%
5Y+47.0%
10Y+45.0%
MCBS

MetroCity Bankshares, Inc. Cash Conversion Engine

MCBS ยท NASDAQ
Net Income68.53M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-34.02M
Others102.50M
Capital Expenditures-674.00K
Free Cash Flow137.01M

Cash Flow Quality Analysis

FCF Conversion Rate

199.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+120.2%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$34.02M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

mcbs

MetroCity Bankshares, Inc. Funding & Solvency Profile

MCBS ยท NASDAQ
Cash & Cash Equivalents373.96M
Net Receivables20.30M
Inventory0.00
Other Current Assets0.00
Total Current Assets394 M
Property, Plant & Equipment44.05M
Goodwill & Intangible Assets68.36M
Long-Term Investments4.06B
Other Non-Current Assets118.85M
Total Non-Current Assets4 B
Total Assets
4.69B

Financial Health Analysis

Debt-to-Equity Ratio

7.46x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

394 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

8% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

mcbs

MetroCity Bankshares, Inc. Street Expectations Map

MCBS ยท NASDAQ

No Target Data

No analyst price targets available for mcbs.

mcbs

MetroCity Bankshares, Inc. Insider Positioning

MCBS ยท NASDAQ

During the last 12 months, there has been no insider trading activity reported for MCBS.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Neutral

No insider trading activity reported. This could indicate blackout periods, lack of conviction, or regulatory restrictions.

Insider Participation

No Activity

No insider trading activity reported from any insiders in the past year.

0.87%
Dividend Yield
-1%
3Y-17.0%
5Y+33.0%
10Y-
ย 

mcbs Dividend History

MCBS
10Y CAGR +22%
Latest $0.29
Annual $1.27
5 year growth trend
Last Period: +16%