MetroCity Bankshares Inc.

MCBS | NASDAQ

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$34.97

-$0.01 (-0.03%)

At close: Sep 21, 2026, 4:00 PM ET

$34.97

$0 (0.00%)

After-hours: Sep 21, 2026, 5:31 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1B

Enterprise Value $735.82M

Beta 0.68

Average Volume 82K

Shares Outstanding (Diluted) 28.98M

Shares Change YoY 12.79%

Institutional Ownership 24.34%

Exchange NASDAQ

ISIN US59165J1051

Price Performance

Price Change 1M -1.8%

Price Change 3M 0.5%

Price Change 6M 21.9%

Price Change YTD 33.1%

Price Change 1Y 20.1%

Price Change 3Y 81.0%

Price Change 5Y 68.1%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 21.2%

5Y CAGR (ann.) 15.5%

All-Time CAGR 22.9%

Valuation

PE Ratio 12.14

Forward PE 11.79

PEG Ratio 0.97

Forward PEG 19.46

PS Ratio 3.81

Forward PS 4.80

PB Ratio 1.76

P/FCF Ratio 15.28

P/Adj. FCF Ratio 15.65

P/OCF Ratio 13.10

EV/Sales 2.80

EV/EBIT 7.82

EV/EBITDA 7.74

EV/FCF 11.22

Earnings Yield 8.2%

FCF Yield 6.5%

Adj. FCF Yield 6.4%

Financial Health

Net Cash $266.42M

Total Debt $14.13M

Cash & Short-Term Investments $280.55M

Total Assets $4.52B

Current Ratio 21.28

Quick Ratio 21.28

Debt / Equity Ratio 0.71

Debt / EBITDA 0.15

Debt / FCF 0.22

OCF / Debt 4.68

Interest Coverage 0.96

Altman Z-Score 0.49

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 62.4%

Operating Profit Margin 35.8%

EBITDA Margin 39.1%

Net Profit Margin 30.5%

FCF Margin 24.9%

Adj. FCF Margin 24.3%

SBC / Revenue 0.6%

SBC Impact (per share) -2.4%

Returns

Return on Assets 1.8%

Return on Equity 15.2%

Return on Invested Capital 17.2%

Return on Capital Employed 2.1%

Return on Tangible Assets 1.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.6%

Revenue CAGR 5Y 17.9%

Revenue CAGR 10Y 17.2%

EPS CAGR 3Y 7.6%

EPS CAGR 5Y 10.0%

EPS CAGR 10Y 13.8%

FCF CAGR 3Y 1.7%

FCF CAGR 5Y 2.0%

FCF CAGR 10Y 67.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 15, 2026

EPS Estimate (next Q) $0.84

EPS Growth Est (next Q) 25.4%

Revenue Est (next Q) $51.3M

Revenue Growth Est (next Q) 35.1%

Fair Value Estimates

Graham Number $35.78

Graham Upside 2.3%

Lynch Fair Value $28.74

Lynch Upside -17.8%

Price Target $32

Price Target Upside -8.5%

Cash Flow

Operating Cash Flow $66.18M

Free Cash Flow $65.57M

Adj. Free Cash Flow $64.04M

FCF Per Share $2.60

OCF Per Share $2.67

OCF/S Ratio 29.2%

Income Statement

Revenue $263.04M

Gross Profit $164.08M

Operating Income $94.1M

EBITDA $95.07M

Net Income $74.95M

EPS (Diluted) $2.88

Revenue / Employee $829.79K

Profit / Employee $236.44K

Employees 317

Dividends

Annual Dividend $1.08

Dividend Yield 3.09%

Payout Ratio 37.5%

FCF Payout Ratio 40.0%

Adj. FCF Payout Ratio 40.9%

Dividend Growth (YoY) 14.9%

Pay Frequency Quarterly

Ex-Dividend Date Jul 28, 2026