28.83 USD
+0.28 (+0.98%)
28.83 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to MCBS. MCBS was compared to 385 industry peers in the Banks industry. MCBS has an average financial health and profitability rating. MCBS has a correct valuation and a medium growth rate. 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.
Each year in the past 5 years MCBS has been profitable.
In the past 5 years MCBS always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of MCBS (1.84%) is better than 94.81% of its industry peers.
MCBS's Return On Equity of 14.94% is amongst the best of the industry. MCBS outperforms 93.25% of its industry peers.
| 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 98.70% 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.
The number of shares outstanding for MCBS has been increased compared to 1 year ago.
MCBS has less 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.
2.2 Solvency
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.07%
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.
MCBS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.58% yearly.
The Revenue has been growing slightly by 7.91% in the past year.
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
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 11.17, the valuation of MCBS can be described as reasonable.
Based on the Price/Earnings ratio, MCBS is valued a bit cheaper than 70.13% of the companies in the same industry.
MCBS is valuated cheaply when we compare the Price/Earnings ratio to 26.26, which is the current average of the S&P500 Index.
MCBS is valuated reasonably with a Price/Forward Earnings ratio of 9.26.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MCBS indicates a somewhat cheap valuation: MCBS is cheaper than 77.92% of the companies listed in the same industry.
MCBS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.26 |
4.2 Price Multiples
MCBS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.51 | ||
| 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)1.63
PEG (5Y)1.47
EPS Next 2Y11.37%
EPS Next 3Y9.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.51%, MCBS has a reasonable but not impressive dividend return.
MCBS's Dividend Yield is a higher than the industry average which is at 2.70.
MCBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
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
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%
28.83
+0.28 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.91%
Inst Owner Change1.26%
Ins Owners24.71%
Ins Owner Change0%
Market Cap830.88M
Revenue(TTM)147.27M
Net Income(TTM)66.63M
Analysts43.33
Price Target31.62 (9.68%)
Short Float %1.18%
Short Ratio5.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend0.83
Dividend Growth(5Y)15.24%
DP36.94%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)-8.82%
EPS NQ rev (1m)-8.97%
EPS NQ rev (3m)-9.09%
EPS NY rev (1m)-3.66%
EPS NY rev (3m)-3.66%
Revenue NQ rev (1m)-14.09%
Revenue NQ rev (3m)-14.09%
Revenue NY rev (1m)-4.21%
Revenue NY rev (3m)-4.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.26 | ||
| P/S | 5.64 | ||
| P/FCF | 13.51 | ||
| P/OCF | 13.33 | ||
| P/B | 1.86 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.58
EY8.95%
EPS(NY)3.11
Fwd EY10.8%
FCF(TTM)2.13
FCFY7.4%
OCF(TTM)2.16
OCFY7.5%
SpS5.11
BVpS15.47
TBVpS15.17
PEG (NY)1.63
PEG (5Y)1.47
Graham Number29.97
Profitability
| Industry Rank | Sector 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)1.7%
ROA(5y)1.8%
ROE(3y)15.58%
ROE(5y)16.58%
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 3Y0.72%
PM growth 5Y0.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC12.07%
ROIC/WACCN/A
Cap/Depr(3y)96.17%
Cap/Depr(5y)64%
Cap/Sales(3y)2.25%
Cap/Sales(5y)1.52%
Profit Quality(3y)152.44%
Profit Quality(5y)190.61%
High Growth Momentum
Growth
EPS 1Y (TTM)11.21%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%3.08%
EPS Next Y6.88%
EPS Next 2Y11.37%
EPS Next 3Y9.18%
EPS Next 5YN/A
Revenue 1Y (TTM)7.91%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%2.89%
Revenue Next Year11.1%
Revenue Next 2Y21.6%
Revenue Next 3Y15.73%
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-19.62%
FCF growth 3Y-1.45%
FCF growth 5Y14.88%
OCF growth 1Y-23.51%
OCF growth 3Y-0.98%
OCF growth 5Y14.55%
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.
Can you provide the valuation status for METROCITY BANKSHARES INC?
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.
Can you provide the PE and PB ratios for MCBS stock?
The Price/Earnings (PE) ratio for METROCITY BANKSHARES INC (MCBS) is 11.17 and the Price/Book (PB) ratio is 1.86.
What is the earnings growth outlook for METROCITY BANKSHARES INC?
The Earnings per Share (EPS) of METROCITY BANKSHARES INC (MCBS) is expected to grow by 6.88% in the next year.