MetroCity Bankshares, Inc.

NasdaqGS:MCBS Stock Report

Market Cap: US$1.0b

MetroCity Bankshares Management

Management criteria checks 4/4

MetroCity Bankshares' CEO is Nack Paek, appointed in Jan 2014, has a tenure of 12.5 years. total yearly compensation is $2.56M, comprised of 19.8% salary and 80.2% bonuses, including company stock and options. directly owns 4.97% of the company’s shares, worth $50.71M. The average tenure of the management team and the board of directors is 12.5 years and 12.5 years respectively.

Key information

Nack Paek

Chief executive officer

US$2.6m

Total compensation

CEO salary percentage19.80%
CEO tenure12.5yrs
CEO ownership5.0%
Management average tenure12.5yrs
Board average tenure12.5yrs

Recent management updates

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.

CEO Compensation Analysis

How has Nack Paek's remuneration changed compared to MetroCity Bankshares's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$75m

Dec 31 2025US$3mUS$508k

US$69m

Sep 30 2025n/an/a

US$67m

Jun 30 2025n/an/a

US$66m

Mar 31 2025n/an/a

US$66m

Dec 31 2024US$2mUS$470k

US$65m

Sep 30 2024n/an/a

US$60m

Jun 30 2024n/an/a

US$54m

Mar 31 2024n/an/a

US$51m

Dec 31 2023US$2mUS$455k

US$52m

Sep 30 2023n/an/a

US$50m

Jun 30 2023n/an/a

US$56m

Mar 31 2023n/an/a

US$59m

Dec 31 2022US$2mUS$425k

US$63m

Sep 30 2022n/an/a

US$70m

Jun 30 2022n/an/a

US$70m

Mar 31 2022n/an/a

US$68m

Dec 31 2021US$2mUS$425k

US$62m

Sep 30 2021n/an/a

US$54m

Jun 30 2021n/an/a

US$46m

Mar 31 2021n/an/a

US$40m

Dec 31 2020US$2mUS$369k

US$36m

Sep 30 2020n/an/a

US$38m

Jun 30 2020n/an/a

US$41m

Mar 31 2020n/an/a

US$46m

Dec 31 2019US$1mUS$369k

US$45m

Compensation vs Market: Nack's total compensation ($USD2.56M) is about average for companies of similar size in the US market ($USD3.54M).

Compensation vs Earnings: Nack's compensation has been consistent with company performance over the past year.

CEO

Nack Paek (83 yo)

12.5yrs
Tenure
US$2,563,611
Compensation

Mr. Nack Young Paek founded Metro City Bank in 2006. Mr. Paek is the Chairman of the Board and the Chief Executive Officer of MetroCity Bankshares, Inc., since 2014. He has been an Executive Chairman and D...

Leadership Team

NamePositionTenureCompensationOwnership
Nack Paek
Chairman & CEO12.5yrsUS$2.56m4.97%
$ 50.7m
Farid Tan
Interim CFO12.5yrsUS$2.56m3.51%
$ 35.8m
Howard Kim
Executive VPno dataUS$2.26m2.36%
$ 24.1m
Abdul Mohdnor
Executive VP & Chief Compliance Officer5.8yrsUS$302.65k0.022%
$ 219.9k
Sion Lai
Secretary & Directorno dataUS$111.60k1.9%
$ 19.4m
12.5yrs
Average Tenure
69yo
Average Age

Experienced Management: MCBS's management team is seasoned and experienced (12.5 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Nack Paek
Chairman & CEO12.5yrsUS$2.56m4.97%
$ 50.7m
Farid Tan
Interim CFO12.5yrsUS$2.56m3.51%
$ 35.8m
Howard Kim
Executive VP9.5yrsUS$2.26m2.36%
$ 24.1m
Sion Lai
Secretary & Director12.5yrsUS$111.60k1.9%
$ 19.4m
Don T. Leung
Independent Vice Chairman of the Board12.5yrsUS$113.50k2.85%
$ 29.1m
Feiying Lu
Independent Director12.5yrsUS$100.50k0.59%
$ 6.0m
Ajit Patel
Lead Independent Director12.5yrsUS$115.50k2.43%
$ 24.8m
Frank Rhee
Independent Director12.5yrsUS$111.00k0.069%
$ 702.5k
William Hungeling
Independent Director5.7yrsUS$114.50k0.55%
$ 5.6m
Frank Glover
Non-Independent Director4.5yrsUS$104.60k0.71%
$ 7.3m
John Paek
Director1.8yrsUS$91.07k0.82%
$ 8.4m
David Shim
Independent Director1.1yrsUS$49.00k0.37%
$ 3.8m
12.5yrs
Average Tenure
61yo
Average Age

Experienced Board: MCBS's board of directors are seasoned and experienced ( 12.5 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/12 01:12
End of Day Share Price 2026/07/10 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

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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. 0 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