METROCITY BANKSHARES INC (MCBS) Fundamental Analysis & Valuation

NASDAQ:MCBS • US59165J1051

Current stock price

28.68 USD
+0.09 (+0.31%)
At close:
28.59 USD
-0.09 (-0.31%)
Pre-Market:

This MCBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. MCBS Profitability Analysis

1.1 Basic Checks

  • MCBS had positive earnings in the past year.
  • MCBS had a positive operating cash flow in the past year.
  • In the past 5 years MCBS has always been profitable.
  • MCBS had a positive operating cash flow in 4 of the past 5 years.
MCBS Yearly Net Income VS EBIT VS OCF VS FCFMCBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

1.2 Ratios

  • MCBS's Return On Assets of 1.84% is amongst the best of the industry. MCBS outperforms 93.68% of its industry peers.
  • With an excellent Return On Equity value of 14.94%, MCBS belongs to the best of the industry, outperforming 92.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.84%
ROE 14.94%
ROIC N/A
ROA(3y)1.57%
ROA(5y)1.7%
ROE(3y)13.82%
ROE(5y)16.13%
ROIC(3y)N/A
ROIC(5y)N/A
MCBS Yearly ROA, ROE, ROICMCBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 45.24%, MCBS belongs to the top of the industry, outperforming 98.68% of the companies in the same industry.
  • MCBS's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MCBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 45.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.71%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
MCBS Yearly Profit, Operating, Gross MarginsMCBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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4

2. MCBS Health Analysis

2.1 Basic Checks

  • MCBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MCBS has more shares outstanding
  • The number of shares outstanding for MCBS has been increased compared to 5 years ago.
  • There is no outstanding debt for MCBS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MCBS Yearly Shares OutstandingMCBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
MCBS Yearly Total Debt VS Total AssetsMCBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • MCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.2%
MCBS Yearly LT Debt VS Equity VS FCFMCBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MCBS Yearly Current Assets VS Current LiabilitesMCBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. MCBS Growth Analysis

3.1 Past

  • MCBS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.78%.
  • The Earnings Per Share has been growing by 13.28% on average over the past years. This is quite good.
  • The Revenue has grown by 10.21% in the past year. This is quite good.
  • MCBS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.78% yearly.
EPS 1Y (TTM)4.78%
EPS 3Y0.77%
EPS 5Y13.28%
EPS Q2Q%7.94%
Revenue 1Y (TTM)10.21%
Revenue growth 3Y3.89%
Revenue growth 5Y10.78%
Sales Q2Q%23.63%

3.2 Future

  • MCBS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.46% yearly.
  • The Revenue is expected to grow by 18.12% on average over the next years. This is quite good.
EPS Next Y18.37%
EPS Next 2Y11.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.1%
Revenue Next 2Y18.12%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MCBS Yearly Revenue VS EstimatesMCBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
MCBS Yearly EPS VS EstimatesMCBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. MCBS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.90, the valuation of MCBS can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of MCBS indicates a somewhat cheap valuation: MCBS is cheaper than 62.37% of the companies listed in the same industry.
  • MCBS is valuated cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.21 indicates a reasonable valuation of MCBS.
  • Based on the Price/Forward Earnings ratio, MCBS is valued a bit cheaper than the industry average as 69.21% of the companies are valued more expensively.
  • MCBS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.79.
Industry RankSector Rank
PE 10.9
Fwd PE 9.21
MCBS Price Earnings VS Forward Price EarningsMCBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MCBS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.44
EV/EBITDA N/A
MCBS Per share dataMCBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.59
PEG (5Y)0.82
EPS Next 2Y11.46%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. MCBS Dividend Analysis

5.1 Amount

  • MCBS has a Yearly Dividend Yield of 3.53%.
  • Compared to an average industry Dividend Yield of 2.78, MCBS pays a bit more dividend than its industry peers.
  • MCBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.53%

5.2 History

  • The dividend of MCBS is nicely growing with an annual growth rate of 15.24%!
  • MCBS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As MCBS did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)15.24%
Div Incr Years8
Div Non Decr Years8
MCBS Yearly Dividends per shareMCBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 36.94% of the earnings are spent on dividend by MCBS. This is a low number and sustainable payout ratio.
  • MCBS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.94%
EPS Next 2Y11.46%
EPS Next 3YN/A
MCBS Yearly Income VS Free CF VS DividendMCBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M
MCBS Dividend Payout.MCBS Dividend Payout, showing the Payout Ratio.MCBS Dividend Payout.PayoutRetained Earnings

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MCBS Fundamentals: All Metrics, Ratios and Statistics

METROCITY BANKSHARES INC

NASDAQ:MCBS (3/25/2026, 8:00:01 PM)

Premarket: 28.59 -0.09 (-0.31%)

28.68

+0.09 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-17
Inst Owners22.57%
Inst Owner Change2.11%
Ins Owners21.88%
Ins Owner Change0%
Market Cap826.56M
Revenue(TTM)155.63M
Net Income(TTM)66.63M
Analysts43.33
Price Target31.62 (10.25%)
Short Float %1.08%
Short Ratio3.42
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend0.83
Dividend Growth(5Y)15.24%
DP36.94%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-04
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.26%
Min EPS beat(2)-1.67%
Max EPS beat(2)1.15%
EPS beat(4)3
Avg EPS beat(4)0.25%
Min EPS beat(4)-1.67%
Max EPS beat(4)1.15%
EPS beat(8)5
Avg EPS beat(8)0.57%
EPS beat(12)7
Avg EPS beat(12)0.14%
EPS beat(16)9
Avg EPS beat(16)-0.41%
Revenue beat(2)1
Avg Revenue beat(2)0.85%
Min Revenue beat(2)-1.26%
Max Revenue beat(2)2.96%
Revenue beat(4)2
Avg Revenue beat(4)15.47%
Min Revenue beat(4)-1.74%
Max Revenue beat(4)61.93%
Revenue beat(8)5
Avg Revenue beat(8)9.18%
Revenue beat(12)7
Avg Revenue beat(12)4.91%
Revenue beat(16)8
Avg Revenue beat(16)2.86%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.9
Fwd PE 9.21
P/S 5.61
P/FCF 13.44
P/OCF 13.26
P/B 1.85
P/tB 1.89
EV/EBITDA N/A
EPS(TTM)2.63
EY9.17%
EPS(NY)3.11
Fwd EY10.85%
FCF(TTM)2.13
FCFY7.44%
OCF(TTM)2.16
OCFY7.54%
SpS5.11
BVpS15.47
TBVpS15.17
PEG (NY)0.59
PEG (5Y)0.82
Graham Number30.26
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 14.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 45.24%
GM N/A
FCFM 41.75%
ROA(3y)1.57%
ROA(5y)1.7%
ROE(3y)13.82%
ROE(5y)16.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.71%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 25.06%
Cap/Sales 0.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 92.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.2%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.78%
EPS 3Y0.77%
EPS 5Y13.28%
EPS Q2Q%7.94%
EPS Next Y18.37%
EPS Next 2Y11.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.21%
Revenue growth 3Y3.89%
Revenue growth 5Y10.78%
Sales Q2Q%23.63%
Revenue Next Year33.1%
Revenue Next 2Y18.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y81.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y74.63%
OCF growth 3YN/A
OCF growth 5YN/A

METROCITY BANKSHARES INC / MCBS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of METROCITY BANKSHARES INC (MCBS) stock?

ChartMill assigns a fundamental rating of 5 / 10 to MCBS.


What is the valuation status of METROCITY BANKSHARES INC (MCBS) stock?

ChartMill assigns a valuation rating of 5 / 10 to METROCITY BANKSHARES INC (MCBS). This can be considered as Fairly Valued.


What is the profitability of MCBS stock?

METROCITY BANKSHARES INC (MCBS) has a profitability rating of 5 / 10.


What is the valuation of METROCITY BANKSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for METROCITY BANKSHARES INC (MCBS) is 10.9 and the Price/Book (PB) ratio is 1.85.


How financially healthy is METROCITY BANKSHARES INC?

The financial health rating of METROCITY BANKSHARES INC (MCBS) is 4 / 10.