image
MetroCity Bankshares, Inc. MCBS
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 27.554
-0.219 %
$ 700 M
Market Cap
10.59
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one MCBS stock under the worst case scenario is HIDDEN Compared to the current market price of 27.6 USD, MetroCity Bankshares, Inc. is HIDDEN

MCBS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one MCBS stock under the base case scenario is HIDDEN Compared to the current market price of 27.6 USD, MetroCity Bankshares, Inc. is HIDDEN

MCBS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one MCBS stock under the best case scenario is HIDDEN Compared to the current market price of 27.6 USD, MetroCity Bankshares, Inc. is HIDDEN

MCBS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart MCBS

image
1M -6%
6M -21%
1Y 16%
3Y 53%
5Y 101%
All
$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
213 M REVENUE
77.88%
Growth Rates
1Year 77.88%
3Years 17.74%
5Years 16.12%
7Years 14.15%
10Years 19.69%
87.3 M OPERATING INCOME
21.32%
Growth Rates
1Year 21.32%
3Years 1.86%
5Years 7.48%
7Years 5.84%
10Years 15.98%
64.5 M NET INCOME
24.98%
Growth Rates
1Year 24.98%
3Years 1.49%
5Years 7.60%
7Years 10.58%
10Years 17.84%
60.6 M OPERATING CASH FLOW
-26.24%
Growth Rates
1Year -26.24%
3Years -2.55%
5Years 13.47%
7Years -12.30%
10Years 24.04%
5.87 M INVESTING CASH FLOW
105.32%
Growth Rates
1Year 105.32%
3Years 26.12%
5Years 18.34%
7Years 10.58%
10Years 7.83%
35.7 M FINANCING CASH FLOW
648.07%
Growth Rates
1Year 648.07%
3Years -68.62%
5Years -22.05%
7Years -18.95%
10Years -4.01%
58 M REVENUE
2.81%
Growth Rates
1Year 77.88%
3Years 17.74%
5Years 16.12%
7Years 14.15%
10Years 19.69%
22.1 M OPERATING INCOME
5.86%
Growth Rates
1Year 21.32%
3Years 1.86%
5Years 7.48%
7Years 5.84%
10Years 15.98%
16.3 M NET INCOME
0.38%
Growth Rates
1Year 24.98%
3Years 1.49%
5Years 7.60%
7Years 10.58%
10Years 17.84%
11.9 M OPERATING CASH FLOW
-14.07%
Growth Rates
1Year -26.24%
3Years -2.55%
5Years 13.47%
7Years -12.30%
10Years 24.04%
-20 M INVESTING CASH FLOW
71.16%
Growth Rates
1Year 105.32%
3Years 26.12%
5Years 18.34%
7Years 10.58%
10Years 7.83%
43.3 M FINANCING CASH FLOW
394.44%
Growth Rates
1Year 648.07%
3Years -68.62%
5Years -22.05%
7Years -18.95%
10Years -4.01%
Balance Sheet MetroCity Bankshares, Inc.
image
Current Assets 270 M
Cash & Short-Term Investments 254 M
Receivables 15.9 M
Other Current Assets 0
Non-Current Assets 26.1 M
Long-Term Investments 27.7 M
PP&E 26.1 M
Other Non-Current Assets -27.7 M
85.80 %5.36 %9.36 %8.83 %Total Assets$295.7m
Current Liabilities 1.86 B
Accounts Payable 3.5 M
Short-Term Debt 0
Other Current Liabilities 1.85 B
Non-Current Liabilities 432 M
Long-Term Debt 383 M
Other Non-Current Liabilities 49.5 M
80.95 %16.74 %Total Liabilities$2.3b
EFFICIENCY
Earnings Waterfall MetroCity Bankshares, Inc.
image
Revenue 213 M
Cost Of Revenue 95.3 M
Gross Profit 213 M
Operating Expenses 634 K
Operating Income 87.3 M
Other Expenses 22.8 M
Net Income 64.5 M
250m250m200m200m150m150m100m100m50m50m00213m(95m)213m(634k)87m(23m)65mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 94.90%
5Years 98.50%
7Years 99.47%
10Years 99.63%
41.01% OPERATING MARGIN
41.01%
Averages
1Year 41.01%
3Years 52.45%
5Years 54.80%
7Years 58.70%
10Years 61.20%
30.30% NET MARGIN
30.30%
Averages
1Year 30.30%
3Years 37.33%
5Years 39.82%
7Years 41.17%
10Years 39.83%
15.31% ROE
15.31%
Averages
1Year 15.31%
3Years 15.58%
5Years 16.58%
7Years 18.29%
10Years 18.90%
1.79% ROA
1.79%
Averages
1Year 1.79%
3Years 1.70%
5Years 1.80%
7Years 2.09%
10Years 2.14%
-4.14% ROIC
-4.14%
Averages
1Year -4.14%
3Years -2.92%
5Years 0.11%
7Years 2.42%
10Years 2.48%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis MetroCity Bankshares, Inc.
image
150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)(200m)(200m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 64.5 M
Depreciation & Amortization 2.96 M
Capital Expenditures -1.29 M
Stock-Based Compensation 2.63 M
Change in Working Capital -6.02 M
Others -6.31 M
Free Cash Flow 62.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets MetroCity Bankshares, Inc.
image
MCBS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.83% DIVIDEND YIELD
0.23 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.050.090.10.110.10.150.180.20.230.050.090.10.110.10.150.180.20.230.050.10.110.090.120.150.180.20.0750.230.10.380.110.420.090.400.140.460.150.600.180.720.230.830.46201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership MetroCity Bankshares, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.2 M USD 2
9-12 MONTHS
12.4 M USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR FIRST QUARTER 2025 ATLANTA , April 18, 2025 /PRNewswire/ -- MetroCity Bankshares, Inc. ("MetroCity" or the "Company") (NASDAQ: MCBS), holding company for Metro City Bank (the "Bank"), today reported net income of $16.3 million, or $0.63 per diluted share, for the first quarter of 2025, compared to $16.2 million, or $0.63 per diluted share, for the fourth quarter of 2024, and $14.6 million, or $0.57 per diluted share, for the first quarter of 2024. First Quarter 2025 Highlights: Annualized return on average assets was 1.85%, compared to 1.82% for the fourth quarter of 2024 and 1.65% for the first quarter of 2024. prnewswire.com - 1 month ago
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend ATLANTA , April 16, 2025 /PRNewswire/ -- MetroCity Bankshares, Inc. (NASDAQ: MCBS) announced today that its board of directors declared a quarterly cash dividend of $0.23 per share on its common stock. The cash dividend is payable on May 9, 2025 to shareholders of record as of April 30, 2025. prnewswire.com - 2 months ago
MetroCity Bankshares and First IC Corporation Announce Strategic Combination DORAVILLE, Ga. , March 17, 2025 /PRNewswire/ -- MetroCity Bankshares, Inc. (NASDAQ: MCBS) ("MetroCity"), the holding company for Metro City Bank (the "Bank"), and First IC Corporation (OTCEM: FIEB) ("First IC"), the parent company of First IC Bank, both based in Doraville, GA, jointly announced today the signing of a definitive merger agreement for MetroCity to acquire First IC and First IC Bank, in a cash and stock transaction. prnewswire.com - 3 months ago
MetroCity Bankshares: Lackluster Valuation As Well As Earnings Outlook Stable interest rates will likely keep the net interest margin steady this year. There haven't been any significant improvements in Georgia's housing market lately, so I'm expecting MCBS's residential loan growth to remain low. I'm expecting the EPS to grow by just 3% year-over-year to $2.58 in 2025. seekingalpha.com - 4 months ago
METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR FOURTH QUARTER AND YEAR ENDED 2024 ATLANTA , Jan. 21, 2025 /PRNewswire/ -- MetroCity Bankshares, Inc. ("MetroCity" or the "Company") (NASDAQ: MCBS), holding company for Metro City Bank (the "Bank"), today reported net income of $16.2 million, or $0.63 per diluted share, for the fourth quarter of 2024, compared to $16.7 million, or $0.65 per diluted share, for the third quarter of 2024, and $11.3 million, or $0.44 per diluted share, for the fourth quarter of 2023. For the year ended December 31, 2024, the Company reported net income of $64.5 million, or $2.52 per diluted share, compared to $51.6 million, or $2.02 per diluted share, for the same period in 2023. prnewswire.com - 4 months ago
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend ATLANTA , Jan. 15, 2025 /PRNewswire/ -- MetroCity Bankshares, Inc. (NASDAQ: MCBS) announced today that its board of directors declared a quarterly cash dividend of $0.23 per share on its common stock. The cash dividend is payable on February 7, 2025 to shareholders of record as of January 29, 2025. prnewswire.com - 5 months ago
METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR THIRD QUARTER 2024 ATLANTA , Oct. 18, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. ("MetroCity" or the "Company") (NASDAQ: MCBS), holding company for Metro City Bank (the "Bank"), today reported net income of $16.7 million, or $0.65 per diluted share, for the third quarter of 2024, compared to $16.9 million, or $0.66 per diluted share, for the second quarter of 2024, and $11.4 million, or $0.45 per diluted share, for the third quarter of 2023. For the nine months ended September 30, 2024, the Company reported net income of $48.3 million, or $1.89 per diluted share, compared to $40.3 million, or $1.58 per diluted share, for the same period in 2023. prnewswire.com - 7 months ago
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend and Announces the Continuation of its Share Repurchase Program ATLANTA , Oct. 16, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. (the "Company") (NASDAQ: MCBS) announced today that its board of directors declared a quarterly cash dividend of $0.23 per share on its common stock. The cash dividend is payable on November 8, 2024 to shareholders of record as of October 30, 2024. prnewswire.com - 8 months ago
METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR SECOND QUARTER 2024 ATLANTA, July 19, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. ("MetroCity" or the "Company") (NASDAQ: MCBS), holding company for Metro City Bank (the "Bank"), today reported net income of $16.9 million, or $0.66 per diluted share, for the second quarter of 2024, compared to $14.6 million, or $0.57 per diluted share, for the first quarter of 2024, and $13.1 million, or $0.51 per diluted share, for the second quarter of 2023. For the six months ended June 30, 2024, the Company reported net income of $31.6 million, or $1.24 per diluted share, compared to $28.8 million, or $1.13 per diluted share, for the same period in 2023. prnewswire.com - 10 months ago
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend ATLANTA , July 17, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. (NASDAQ: MCBS) announced today that its board of directors declared a quarterly cash dividend of $0.20 per share on its common stock. The cash dividend is payable on August 9, 2024 to shareholders of record as of July 31, 2024. prnewswire.com - 10 months ago
METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR FIRST QUARTER 2024 ATLANTA , April 19, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. ("MetroCity" or the "Company") (NASDAQ: MCBS), holding company for Metro City Bank (the "Bank"), today reported net income of $14.6 million, or $0.57 per diluted share, for the first quarter of 2024, compared to $11.3 million, or $0.44 per diluted share, for the fourth quarter of 2023, and $15.7 million, or $0.62 per diluted share, for the first quarter of 2023. First Quarter 2024 Highlights: Annualized return on average assets was 1.65%, compared to 1.29% for the fourth quarter of 2023 and 1.87% for the first quarter of 2023. prnewswire.com - 1 year ago
MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend ATLANTA , April 17, 2024 /PRNewswire/ -- MetroCity Bankshares, Inc. (NASDAQ: MCBS) announced today that its board of directors declared a quarterly cash dividend of $0.20 per share on its common stock. The cash dividend is payable on May 10, 2024 to shareholders of record as of May 1, 2024. prnewswire.com - 1 year ago
8. Profile Summary

MetroCity Bankshares, Inc. MCBS

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 700 M
Dividend Yield 0.83%
Description 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.
Contact 5114 Buford Highway, Doraville, GA, 30340 https://www.metrocitybank.bank
IPO Date Sept. 5, 2019
Employees 240
Officers Mr. Farid Tan President & Director Mr. Sion Nyen Lai Secretary & Director Mr. Howard Hwasaeng Kim Executive Vice President, Chief Lending Officer, Chief Operating Officer & Director Mr. Nack Young Paek Chairman & Chief Executive Officer Mr. Lucas C. Stewart Executive Vice President, Chief Financial Officer & Assistant Corporate Secretary Mr. Abdul Mohdnor Executive Vice President & Chief Compliance Officer