28.62 USD
+0.14 (+0.49%)
28.62 USD
0 (0%)
MCBS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 has a decent growth rate and is not valued too expensively. 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.
- Each year in the past 5 years MCBS had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.84%, MCBS belongs to the top of the industry, outperforming 94.52% of the companies in the same industry.
- 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
- With an excellent Profit Margin value of 45.24%, MCBS belongs to the best 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.
- The Operating Margin and Gross Margin are not available for MCBS so they could not be analyzed.
| 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
WACC12.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MCBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.21%, which is quite good.
- MCBS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.58% yearly.
- MCBS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.91%.
- The Revenue has been growing slightly by 6.95% on average over the past years.
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
- The Earnings Per Share is expected to grow by 9.18% on average over the next years. This is quite good.
- MCBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.73% yearly.
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
- With a Price/Earnings ratio of 11.09, the valuation of MCBS can be described as very reasonable.
- 73.37% 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 (27.32), we can say MCBS is valued rather cheaply.
- MCBS is valuated reasonably with a Price/Forward Earnings ratio of 9.19.
- Based on the Price/Forward Earnings ratio, MCBS is valued a bit cheaper than the industry average as 79.11% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. MCBS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of MCBS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.61
PEG (5Y)1.46
EPS Next 2Y11.37%
EPS Next 3Y9.18%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.62%, MCBS has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.84, MCBS pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, MCBS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
5.2 History
- On average, the dividend of MCBS grows each year by 15.24%, which is quite nice.
- 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
- 36.94% of the earnings are spent on dividend by MCBS. This is a low number and sustainable payout ratio.
- The dividend of MCBS is growing, but the earnings are growing slower. 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 11.09 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.