MetroCity Bankshares Inc.
MCBS | NASDAQ
$35.20
+$0.23 (+0.66%)
Sep 22, 2026, 2:37 PM ET · Market open
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
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