MetroCity Bankshares Valuation

Q: What is the Fair Price of MCBS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

MCBS ($29.7) is trading below our estimate of [[fair value]] ($57.97)

Is MCBS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MCBS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MCBS ($29.7) is trading below our estimate of fair value ($57.97)

Significantly Below Fair Value: MCBS is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MCBS?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for MCBS. This is calculated by dividing MCBS's market cap by their current preferred multiple.
What is MCBS's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	US$749.32m

MCBS key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	1.6x

Price to Earnings Ratio vs Peers

How does MCBS's PE Ratio compare to its peers?

The above table shows the PE ratio for MCBS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	28.1x
WTBF.B W.T.B. Financial	16.7x	n/a	US$738.7m
CPF Central Pacific Financial	12.9x	14.8%	US$729.1m
NBBK NB Bancorp	61.8x	45.0%	US$806.7m
HFWA Heritage Financial	21.1x	29.4%	US$785.2m
MCBS MetroCity Bankshares	12.6x	7.7%	US$749.3m

Price-To-Earnings vs Peers: MCBS is good value based on its Price-To-Earnings Ratio (12.6x) compared to the peer average (28.1x).

Price to Earnings Ratio vs Industry

How does MCBS's PE Ratio compare vs other companies in the US Banks Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	10.5%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	10.5%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: MCBS is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the US Banks industry average (11.8x).

Price to Earnings Ratio vs Fair Ratio

What is MCBS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MCBS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	12.6x
Fair PE Ratio	12.8x

Price-To-Earnings vs Fair Ratio: MCBS is good value based on its Price-To-Earnings Ratio (12.6x) compared to the estimated Fair Price-To-Earnings Ratio (12.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.