26.66 USD
-0.65 (-2.38%)
26.66 USD
0 (0%)
Taking everything into account, MCBS scores 5 out of 10 in our fundamental rating. MCBS was compared to 383 industry peers in the Banks industry. Both the profitability and the financial health of MCBS get a neutral evaluation. Nothing too spectacular is happening here. MCBS is not valued too expensively and it also shows a decent growth rate. Finally MCBS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year MCBS was profitable.
- In the past year MCBS had a positive cash flow from operations.
- MCBS had positive earnings in each of the past 5 years.
- In the past 5 years MCBS always reported a positive cash flow from operatings.
1.2 Ratios
- MCBS has a Return On Assets of 1.84%. This is amongst the best in the industry. MCBS outperforms 94.52% of its industry peers.
- Looking at the Return On Equity, with a value of 14.94%, MCBS belongs to the top of the industry, outperforming 93.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.84% | ||
| ROE | 14.94% | ||
| ROIC | N/A |
ROA(3y)1.7%
ROA(5y)1.8%
ROE(3y)15.58%
ROE(5y)16.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 45.24%, MCBS belongs to the top of the industry, outperforming 98.43% of the companies in the same industry.
- MCBS's Profit Margin has been stable in the last couple of years.
- MCBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.24% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.72%
PM growth 5Y0.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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
- MCBS has less shares outstanding than it did 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 11.21% over the past year.
- The Earnings Per Share has been growing slightly by 7.58% on average over the past years.
- MCBS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.91%.
- MCBS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.95% yearly.
EPS 1Y (TTM)11.21%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%3.08%
Revenue 1Y (TTM)7.91%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%2.89%
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 9.18% on average per year.
- Based on estimates for the next years, MCBS will show a quite strong growth in Revenue. The Revenue will grow by 15.73% on average per year.
EPS Next Y6.88%
EPS Next 2Y11.37%
EPS Next 3Y9.18%
EPS Next 5YN/A
Revenue Next Year11.1%
Revenue Next 2Y21.6%
Revenue Next 3Y15.73%
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 accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.33 indicates a reasonable valuation of MCBS.
- 76.76% of the companies in the same industry are more expensive than MCBS, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of MCBS to the average of the S&P500 Index (28.60), we can say MCBS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 8.56, the valuation of MCBS can be described as very reasonable.
- 83.55% of the companies in the same industry are more expensive than MCBS, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.83, MCBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 8.56 |
4.2 Price Multiples
- MCBS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- MCBS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.5
PEG (5Y)1.36
EPS Next 2Y11.37%
EPS Next 3Y9.18%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.66%, MCBS has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.60, 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
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.
- MCBS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)15.24%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- MCBS pays out 36.94% of its income as dividend. This is a sustainable payout ratio.
- MCBS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.94%
EPS Next 2Y11.37%
EPS Next 3Y9.18%
METROCITY BANKSHARES INC / MCBS 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 10.33 and the Price/Book (PB) ratio is 1.72.
How financially healthy is METROCITY BANKSHARES INC?
The financial health rating of METROCITY BANKSHARES INC (MCBS) is 4 / 10.