METROCITY BANKSHARES INC (MCBS) Fundamental Analysis & Valuation

NASDAQ:MCBS • US59165J1051

Current stock price

31.5 USD
-0.08 (-0.25%)
At close:
31.4792 USD
-0.02 (-0.07%)
After Hours:

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

  • In the past year MCBS was profitable.
  • In the past year MCBS had a positive cash flow from operations.
  • Each year in the past 5 years MCBS has been profitable.
  • Each year in the past 5 years MCBS had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 1.44%, MCBS belongs to the top of the industry, outperforming 84.84% of the companies in the same industry.
  • The Return On Equity of MCBS (12.59%) is better than 83.78% of its industry peers.
Industry RankSector Rank
ROA 1.44%
ROE 12.59%
ROIC N/A
ROA(3y)1.57%
ROA(5y)1.7%
ROE(3y)13.81%
ROE(5y)16.12%
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

  • With an excellent Profit Margin value of 44.03%, MCBS belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MCBS has grown nicely.
  • 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) 44.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.79%
PM growth 5Y2.45%
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.
  • The number of shares outstanding for MCBS has been increased compared to 1 year ago.
  • MCBS has more shares outstanding than it did 5 years ago.
  • MCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC11.03%
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%.
  • MCBS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.28% yearly.
  • Looking at the last year, MCBS shows a quite strong growth in Revenue. The Revenue has grown by 10.21% in the last year.
  • Measured over the past years, MCBS shows a quite strong growth in Revenue. The Revenue has been growing by 10.78% on average per year.
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

  • Based on estimates for the next years, MCBS will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.79% on average per year.
  • MCBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.77% yearly.
EPS Next Y23.72%
EPS Next 2Y12.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.1%
Revenue Next 2Y16.77%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 11.98, the valuation of MCBS can be described as very reasonable.
  • MCBS's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of MCBS to the average of the S&P500 Index (27.42), we can say MCBS is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.68, the valuation of MCBS can be described as very reasonable.
  • MCBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MCBS is cheaper than 60.90% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MCBS to the average of the S&P500 Index (22.29), we can say MCBS is valued rather cheaply.
Industry RankSector Rank
PE 11.98
Fwd PE 9.68
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

  • Based on the Price/Free Cash Flow ratio, MCBS is valued a bit more expensive than 78.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.47
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.
  • A more expensive valuation may be justified as MCBS's earnings are expected to grow with 12.79% in the coming years.
PEG (NY)0.5
PEG (5Y)0.9
EPS Next 2Y12.79%
EPS Next 3YN/A

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7

5. MCBS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.67%, MCBS has a reasonable but not impressive dividend return.
  • MCBS's Dividend Yield is rather good when compared to the industry average which is at 2.55. MCBS pays more dividend than 80.05% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, MCBS pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

  • On average, the dividend of MCBS grows each year by 17.90%, which is quite nice.
  • MCBS has paid a dividend for at least 10 years, which is a reliable track record.
  • MCBS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)17.9%
Div Incr Years9
Div Non Decr Years9
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

  • 36.25% 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.
DP36.25%
EPS Next 2Y12.79%
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 (4/24/2026, 8:00:01 PM)

After market: 31.4792 -0.02 (-0.07%)

31.5

-0.08 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17
Earnings (Next)07-16
Inst Owners22.68%
Inst Owner Change-0.27%
Ins Owners21.92%
Ins Owner Change0%
Market Cap905.94M
Revenue(TTM)155.63M
Net Income(TTM)68.53M
Analysts43.33
Price Target32.64 (3.62%)
Short Float %1.75%
Short Ratio3.69
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend0.92
Dividend Growth(5Y)17.9%
DP36.25%
Div Incr Years9
Div Non Decr Years9
Ex-Date04-29
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.08%
Min EPS beat(2)-1.67%
Max EPS beat(2)-0.5%
EPS beat(4)2
Avg EPS beat(4)0.02%
Min EPS beat(4)-1.67%
Max EPS beat(4)1.15%
EPS beat(8)5
Avg EPS beat(8)1.77%
EPS beat(12)7
Avg EPS beat(12)1.29%
EPS beat(16)8
Avg EPS beat(16)-0.51%
Revenue beat(2)0
Avg Revenue beat(2)-2.44%
Min Revenue beat(2)-3.63%
Max Revenue beat(2)-1.26%
Revenue beat(4)2
Avg Revenue beat(4)15%
Min Revenue beat(4)-3.63%
Max Revenue beat(4)61.93%
Revenue beat(8)4
Avg Revenue beat(8)8.06%
Revenue beat(12)7
Avg Revenue beat(12)5.54%
Revenue beat(16)8
Avg Revenue beat(16)2.72%
PT rev (1m)3.23%
PT rev (3m)3.23%
EPS NQ rev (1m)2.86%
EPS NQ rev (3m)2.86%
EPS NY rev (1m)4.52%
EPS NY rev (3m)4.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.98
Fwd PE 9.68
P/S 5.82
P/FCF 24.47
P/OCF 24.03
P/B 1.66
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)2.63
EY8.35%
EPS(NY)3.25
Fwd EY10.33%
FCF(TTM)1.29
FCFY4.09%
OCF(TTM)1.31
OCFY4.16%
SpS5.41
BVpS18.92
TBVpS16.11
PEG (NY)0.5
PEG (5Y)0.9
Graham Number33.4617 (6.23%)
Profitability
Industry RankSector Rank
ROA 1.44%
ROE 12.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 44.03%
GM N/A
FCFM 23.79%
ROA(3y)1.57%
ROA(5y)1.7%
ROE(3y)13.81%
ROE(5y)16.12%
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-0.79%
PM growth 5Y2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 19.2%
Cap/Sales 0.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 54.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.03%
ROIC/WACCN/A
Cap/Depr(3y)82.05%
Cap/Depr(5y)64.4%
Cap/Sales(3y)1.82%
Cap/Sales(5y)1.5%
Profit Quality(3y)100%
Profit Quality(5y)123.34%
High Growth Momentum
Growth
EPS 1Y (TTM)4.78%
EPS 3Y0.77%
EPS 5Y13.28%
EPS Q2Q%7.94%
EPS Next Y23.72%
EPS Next 2Y12.79%
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 2Y16.77%
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 1Y-40.48%
FCF growth 3Y-34.59%
FCF growth 5Y-23.58%
OCF growth 1Y-40.63%
OCF growth 3Y-34.59%
OCF growth 5Y-23.36%

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.


How profitable is METROCITY BANKSHARES INC (MCBS) stock?

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


What is the expected EPS growth for METROCITY BANKSHARES INC (MCBS) stock?

The Earnings per Share (EPS) of METROCITY BANKSHARES INC (MCBS) is expected to grow by 23.72% in the next year.


Can you provide the dividend sustainability for MCBS stock?

The dividend rating of METROCITY BANKSHARES INC (MCBS) is 7 / 10 and the dividend payout ratio is 36.25%.