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Company Analysis

MetroCity Bankshares, Inc. MCBS

A comprehensive view of key metrics, scores, and financial health for MetroCity Bankshares, Inc.

Overview of MetroCity Bankshares, Inc.

MCBS NMS
Financial Services Banks - Regional Small Cap
MetroCity Bankshares, Inc. (MCBS), is a Small Cap company, in the Banks - Regional industry, last closed at $32.98, about 47.8% overvalued vs fair value, +19.6% 1Y return, ranked 266/1037 in sector.
Metrics Rev Growth 69.7% ROE 14.2% Gross Margin 62.0%
$32.98
1.01%
As of April 28, 2026
Previous close • Vol 90d: 25.6%
52-Week Range
Market Cap
$945.49M
Enterprise Value
$1.12B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.metrocitybank.bank
HQ Doraville, GA
Fiscal year Dec 31

Next Events

Earnings Apr 17 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$17
$32
Current: $32.98 -48% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$212.9M
10.4%%
Interest Expense
$90.4M
Net Interest Income
$118.1M
16.4%%
Total Revenue
$237.0M
69.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.3%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$21.1M
32.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating MetroCity Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
66
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing MCBS's balance between Growth (39.9%), Profitability (30.6%), and Safety (29.5%). Growth 40% Safety 30% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

84th percentile vs peers
85
Key Signals
Asset Growth YoY 32.7% 93p NII Growth YoY 16.4% 88p EPS Growth YoY 24.7% 77p Equity Growth YoY 10.4% 70p
Strengths
  • Growth performance in top 20% of peers (percentile: 84)
  • Asset Growth YoY in top 20% of peers (32.7%, 93th percentile)
  • NII Growth YoY in top 20% of peers (16.4%, 88th percentile)
  • ROTE in top 20% of peers (16.1%, 80th percentile)
  • ROA in top 20% of peers (1.8%, 93th percentile)
Risks

No significant risks identified for this axis.

Profitability

64th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
63
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for MetroCity Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$17.22
- - -
-47.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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