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MetroCity Bankshares, Inc.NasdaqGS:MCBS Stock Report

Market Cap US$948.1m
Share Price
US$32.42
US$35
7.4% undervalued intrinsic discount
1Y18.5%
7D-1.1%
1D
Portfolio Value
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MetroCity Bankshares, Inc.

NasdaqGS:MCBS Stock Report

Market Cap: US$948.1m

MetroCity Bankshares (MCBS) Stock Overview

Operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. More details

MCBS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance3/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 35.2% below our estimate of its fair value

Earnings are forecast to grow 13.06% per year

Earnings have grown 4.8% per year over the past 5 years

Pays a reliable dividend of 3.58%

Risk Analysis

No risks detected for MCBS from our risk checks.

MCBS Community Fair Values

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MetroCity Bankshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for MetroCity Bankshares
Historical stock prices
Current Share PriceUS$32.42
52 Week HighUS$33.67
52 Week LowUS$24.53
Beta0.72
1 Month Change2.69%
3 Month Change14.24%
1 Year Change18.45%
3 Year Change65.58%
5 Year Change77.55%
Change since IPO440.33%

Recent News & Updates

Seeking Alpha • May 28

High-Performing MetroCity Bankshares Is Priced At A Premium

Summary MetroCity Bankshares consistently outperforms on earnings and operational metrics, but its stock now trades at nearly 2x tangible book value. MCBS's Q1 2026 results highlight robust profitability: 1.96% ROAA, 18.28% ROAE, and a 4.08% net interest margin, all well above peers. Despite a strong dividend yield (3.52%) and best-in-class efficiency (42.2%), MCBS's premium valuation appears stretched versus similar Korean-American regional banks. I initiate coverage with a Hold rating, citing limited upside after recent outperformance and valuation well above peer benchmarks. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • May 28

High-Performing MetroCity Bankshares Is Priced At A Premium

Summary MetroCity Bankshares consistently outperforms on earnings and operational metrics, but its stock now trades at nearly 2x tangible book value. MCBS's Q1 2026 results highlight robust profitability: 1.96% ROAA, 18.28% ROAE, and a 4.08% net interest margin, all well above peers. Despite a strong dividend yield (3.52%) and best-in-class efficiency (42.2%), MCBS's premium valuation appears stretched versus similar Korean-American regional banks. I initiate coverage with a Hold rating, citing limited upside after recent outperformance and valuation well above peer benchmarks. Read the full article on Seeking Alpha
Analysis Article • Jul 21

MetroCity Bankshares (NASDAQ:MCBS) Will Pay A Larger Dividend Than Last Year At $0.25

MetroCity Bankshares, Inc. ( NASDAQ:MCBS ) will increase its dividend from last year's comparable payment on the 8th of...
Seeking Alpha • Feb 15

MetroCity Bankshares: Lackluster Valuation As Well As Earnings Outlook

Summary 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. My total expected return is negative 5.9%, including a moderate dividend yield of 2.9%. Read the full article on Seeking Alpha
Analysis Article • Oct 20

MetroCity Bankshares (NASDAQ:MCBS) Will Pay A Larger Dividend Than Last Year At $0.23

MetroCity Bankshares, Inc. ( NASDAQ:MCBS ) will increase its dividend from last year's comparable payment on the 8th of...
Seeking Alpha • Jul 31

MetroCity Bankshares: Strong Fundamentals And Favorable Macro Outlook Drive Bullish Outlook

Summary Anticipated Fed rate cuts in 2H 2024 are expected to boost MCBS' mortgage loan origination. MCBS shows strong financial performance, with consistent growth in interest income and near all-time high revenues. The company outperforms peers in key metrics like price return and net income margin. MCBS benefits from regional diversification across seven states, providing economic stability. At current valuations, MCBS offers 56% upside potential with a price target of $50. Read the full article on Seeking Alpha
Seeking Alpha • Apr 29

MetroCity Bankshares: Good Bank At A Fair Price

Summary MetroCity Bankshares has shown resilience and strength, even during a regional banking crisis in March 2023. The bank operates in multi-ethnic communities across several states, with a focus on residential and commercial real estate lending. The bank's deposits are sticky and cheap, with a significant portion held in demand deposit accounts. Shares are a hold with price target of $25. Read the full article on Seeking Alpha
Analysis Article • Oct 15

Here's Why MetroCity Bankshares (NASDAQ:MCBS) Has Caught The Eye Of Investors

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Seeking Alpha • Jul 20

MetroCity Bankshares declares $0.15 dividend

MetroCity Bankshares (NASDAQ:MCBS) declares $0.15/share quarterly dividend, in line with previous. Forward yield 2.8% Payable Aug. 12; for shareholders of record Aug. 3; ex-div Aug. 2. See MCBS Dividend Scorecard, Yield Chart, & Dividend Growth.

Shareholder Returns

MCBSUS BanksUS Market
7D-1.1%-0.5%1.2%
1Y18.5%19.1%27.0%

Return vs Industry: MCBS matched the US Banks industry which returned 19.1% over the past year.

Return vs Market: MCBS underperformed the US Market which returned 27% over the past year.

Price Volatility

Is MCBS's price volatile compared to industry and market?
MCBS volatility
MCBS Average Weekly Movement3.2%
Banks Industry Average Movement3.2%
Market Average Movement7.2%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.0%

Stable Share Price: MCBS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: MCBS's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2006317Nack Paekwww.metrocitybank.bank

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities.

MetroCity Bankshares, Inc. Fundamentals Summary

How do MetroCity Bankshares's earnings and revenue compare to its market cap?
MCBS fundamental statistics
Market capUS$948.07m
Earnings (TTM)US$74.55m
Revenue (TTM)US$171.71m
12.5x
P/E Ratio
1.7x
P/B Ratio

Is MCBS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MCBS income statement (TTM)
RevenueUS$171.71m
Cost of RevenueUS$0
Gross ProfitUS$171.71m
Other ExpensesUS$97.16m
EarningsUS$74.55m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)2.60
Gross Margin100.00%
Net Profit Margin43.41%
Debt/Equity Ratio76.7%

How did MCBS perform over the long term?

See historical performance and comparison

Dividends

3.6%
Current Dividend Yield
35%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/03 21:23
End of Day Share Price 2026/06/03 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

MetroCity Bankshares, Inc. is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kelly MottaKeefe, Bruyette, & Woods
David FeasterRaymond James & Associates