MCBS

NEUTRAL

$31.08 Live

MetroCity Bankshares, Inc. · NASDAQ

Target $33.0 (+6.2%)

$24.53 52W Range $31.46

MCBS MetroCity Bankshares, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

MCBS Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$31.08

Analyst Target

$33.0

+6.2% Upside

52W High

$31.46

52W Low

$24.53

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 14, 2026

Market cap

$895.67M

P/E

11.77

ROE

14.2%

Profit margin

44.0%

Debt/Equity

N/A

Dividend yield

3.15%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

MCBS presents a classic value-trap profile: fundamentally undervalued but showing signs of deteriorating financial health. While the current price of $31.08 sits below both the Graham Number ($33.49) and the Intrinsic Value ($51.35), the Piotroski F-Score of 3/9 indicates weak financial health. Strong revenue growth (24.3%) and a consistent earnings beat record are offset by a severely bearish technical trend (10/100) and low insider sentiment (40/100).

Key Strengths

Trading below Graham Number ($33.49) and Intrinsic Value ($51.35)

Strong YoY Revenue Growth of 24.30%

Consistent earnings track record with 3/4 recent beats

Sustainable dividend payout ratio of 36.36%

Healthy ROE of 14.20% for a regional bank

Key Risks

Weak Piotroski F-Score (3/9) suggesting deteriorating fundamentals

Severely bearish technical trend (10/100)

Low insider sentiment (40/100) indicating lack of internal confidence

Divergence between high revenue growth (24.3%) and lower earnings growth (8.3%)

Concentration risk inherent to regional banking sector

AI Fair Value Estimate

Based on comprehensive analysis

$32.5

+4.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value play with significant health warnings

Key drivers: Low P/E and P/B ratios, Poor Piotroski F-Score, Strong historical price appreciation

Confidence

80%

Value

85/100

Ref P/E 11.77, Graham Number $33.49

Positives

P/E of 11.77 is low
Price is below Graham Number

Watchpoints

Price/Sales is relatively high at 5.74

Future

65/100

Ref Revenue Growth 24.30%

Positives

Strong Q/Q revenue growth (22.74%)
Positive earnings surprises

Watchpoints

Earnings growth lagging revenue growth

Past

80/100

Ref 5Y Change +148.4%

Positives

5Y Change of +148.4%
Consistent EPS growth over 25 quarters

Watchpoints

Recent technical momentum has collapsed

Health

30/100

Ref Piotroski F-Score 3/9

Positives

Positive ROA (1.64%)

Watchpoints

Piotroski F-Score of 3/9 is in the 'Weak' category

Dividend

70/100

Ref Payout Ratio 36.36%

Positives

Moderate yield of 3.15%
Low payout ratio (36.36%)

Watchpoints

No 5-year average yield provided for stability check

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$31.08

Analyst Target

$33.0

Upside/Downside

+6.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MCBS and closest competitors.

Updated 2026-04-13

Company	5Y	3Y	1Y	6M	1M	1W
MCBS MetroCity Bankshares, Inc. Primary	+148.4%	+115.3%	+23.1%	+19.3%	+9.8%	+3.9%
BFST Business First Bancshares, Inc. Peer	+45.4%	+39.4%	+9.6%	+8.6%	+1.6%	+0.6%
AMTB Amerant Bancorp Inc. Peer	+51.5%	-18.1%	-7.8%	+5.9%	+5.1%	+2.0%
CHI Calamos Convertible Opportunities and Income Fund Peer	+21.9%	+45.1%	+45.7%	+8.3%	+3.9%	+5.4%
BCSF Bain Capital Specialty Finance, Inc. Peer	+85.8%	+51.4%	-11.6%	-3.0%	+0.8%	-0.8%

MCB

MetroCity Bankshares, Inc.

Primary

+148.4%

+115.3%

+23.1%

+19.3%

+9.8%

+3.9%

BFS

Business First Bancshares, Inc.

Peer

+45.4%

+39.4%

+9.6%

+8.6%

+1.6%

+0.6%

AMT

Amerant Bancorp Inc.

Peer

+51.5%

-18.1%

-7.8%

+5.9%

+5.1%

+2.0%

CHI

Calamos Convertible Opportunities and Income Fund

Peer

+21.9%

+45.1%

+45.7%

+8.3%

+3.9%

+5.4%

BCS

Bain Capital Specialty Finance, Inc.

Peer

+85.8%

+51.4%

-11.6%

-3.0%

+0.8%

-0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.77

9.56

N/A

1.65

5.74

6.6

N/A

$895.67M

Profitability

Profit margins and return metrics

Profit Margin 43.95%

Operating Margin 61.52%

Gross Margin N/A

ROE 14.2%

ROA 1.64%

Growth

Revenue and earnings growth rates

Revenue Growth +24.3%

Earnings Growth +8.3%

Q/Q Revenue Growth +22.74%

Q/Q Earnings Growth +11.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$13.56

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

43.7%

Total Assets

$4.8B

Liabilities

$4.2B

Equity

$0.5B

Debt/Equity

7.76x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

104%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-17

$N/A

2026-01-30

$0.78

+7.2% surprise

2025-10-17

$0.68

+1.1% surprise

2025-07-18

$0.65

+3.2% surprise

Financial Services Sector Comparison

Comparing MCBS against 404 companies in the Financial Services sector (68 bullish, 175 neutral, 161 bearish)

P/E Ratio

11.77

This Stock

49.16

Sector Avg

-76.1% (Discount)

Return on Equity (ROE)

14.2%

This Stock

-0.06%

Sector Avg

-23256.7% (Below Avg)

Profit Margin

43.95%

This Stock

60.11%

Sector Avg

-26.9% (Weaker)

Revenue Growth

24.3%

This Stock

42.19%

Sector Avg

-42.4% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
MCBS MetroCity Bankshares, Inc.	NEUTRAL	$895.67M	11.77	14.2%	44.0%	$31.08
BFST Business First Bancshares, Inc.	NEUTRAL	$894.47M	10.53	10.4%	27.0%	$27.26	Compare
AMTB Amerant Bancorp Inc.	NEUTRAL	$900.34M	12.88	7.2%	17.1%	$21.26	Compare
CHI Calamos Convertible...	BULLISH	$901.39M	5.17	21.0%	847.6%	$11.32	Compare
BCSF Bain Capital Specialty...	BEARISH	$884.81M	9.47	8.2%	33.5%	$13.64	Compare

MCBS MetroCity...

NEUTRAL

Mkt Cap

$896M

P/E

11.8

ROE

14.2%

Price

$31.08

BFST Business First...

Compare with MCBS

AMTB Amerant Bancorp Inc.

Compare with MCBS

Compare with MCBS

Compare with MCBS

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

1 analysts

Keefe, Bruyette & Woods

2026-04-09

Maintains

Market Perform Market Perform

Keefe, Bruyette & Woods

2026-03-23

Maintains

Market Perform Market Perform

Keefe, Bruyette& Woods

2025-10-21

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning MCBS from our newsroom.

Newest → oldest

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MCBS

MCBS MetroCity Bankshares, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

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