METROCITY BANKSHARES INC (MCBS) Stock Fundamental Analysis
USA - NASDAQ:MCBS - US59165J1051 - Common Stock
26.38 USD
+0.25 (+0.96%)
MCBS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 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
MCBS had positive earnings in the past year.
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
With an excellent Return On Assets value of 1.84%, MCBS belongs to the best of the industry, outperforming 95.10% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.22%, MCBS belongs to the top of the industry, outperforming 93.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.84% | ||
| ROE | 15.22% | ||
| 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 45.39%, MCBS belongs to the top of the industry, outperforming 98.97% of the companies in the same industry.
In the last couple of years the Profit Margin of MCBS has remained more or less at the same level.
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) | 45.39% | ||
| 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.
MCBS has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, MCBS has less shares outstanding
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
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
WACC12.58%
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.
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%.
Measured over the past years, MCBS shows a small growth in Revenue. The Revenue has been growing by 6.95% on average per year.
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 15.72% yearly.
EPS Next Y10.94%
EPS Next 2Y11.35%
EPS Next 3Y9.18%
EPS Next 5YN/A
Revenue Next Year15.98%
Revenue Next 2Y21.6%
Revenue Next 3Y15.72%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.22, the valuation of MCBS can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of MCBS indicates a somewhat cheap valuation: MCBS is cheaper than 71.13% of the companies listed in the same industry.
MCBS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
Based on the Price/Forward Earnings ratio of 8.48, the valuation of MCBS can be described as reasonable.
MCBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MCBS is cheaper than 77.06% of the companies 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 34.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
69.59% of the companies in the same industry are cheaper than MCBS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MCBS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.93
PEG (5Y)1.35
EPS Next 2Y11.35%
EPS Next 3Y9.18%
5. Dividend
5.1 Amount
MCBS has a Yearly Dividend Yield of 3.85%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
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.
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
5.3 Sustainability
MCBS pays out 34.26% of its income as dividend. This is a sustainable payout ratio.
The dividend of MCBS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP34.26%
EPS Next 2Y11.35%
EPS Next 3Y9.18%
NASDAQ:MCBS (11/13/2025, 11:37:02 AM)
26.38
+0.25 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners24.62%
Inst Owner Change-0.36%
Ins Owners24.65%
Ins Owner Change1.65%
Market Cap673.75M
Revenue(TTM)147.27M
Net Income(TTM)66.36M
Analysts43.33
Price Target31.62 (19.86%)
Short Float %1.06%
Short Ratio5.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.85% |
Yearly Dividend0.83
Dividend Growth(5Y)15.24%
DP34.26%
Div Incr Years8
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.12%
Min EPS beat(2)1.09%
Max EPS beat(2)1.15%
EPS beat(4)3
Avg EPS beat(4)0.41%
Min EPS beat(4)-1.05%
Max EPS beat(4)1.15%
EPS beat(8)5
Avg EPS beat(8)-0.69%
EPS beat(12)7
Avg EPS beat(12)0.05%
EPS beat(16)10
Avg EPS beat(16)0.04%
Revenue beat(2)2
Avg Revenue beat(2)32.44%
Min Revenue beat(2)2.96%
Max Revenue beat(2)61.93%
Revenue beat(4)2
Avg Revenue beat(4)15.77%
Min Revenue beat(4)-1.74%
Max Revenue beat(4)61.93%
Revenue beat(8)5
Avg Revenue beat(8)8.19%
Revenue beat(12)7
Avg Revenue beat(12)4.43%
Revenue beat(16)9
Avg Revenue beat(16)3.34%
PT rev (1m)-8.82%
PT rev (3m)-8.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.22 | ||
| Fwd PE | 8.48 | ||
| P/S | 4.61 | ||
| P/FCF | 20.42 | ||
| P/OCF | 19.9 | ||
| P/B | 1.54 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.58
EY9.78%
EPS(NY)3.11
Fwd EY11.8%
FCF(TTM)1.29
FCFY4.9%
OCF(TTM)1.33
OCFY5.03%
SpS5.72
BVpS17.08
TBVpS16.74
PEG (NY)0.93
PEG (5Y)1.35
Graham Number31.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.84% | ||
| ROE | 15.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.39% | ||
| GM | N/A | ||
| FCFM | 22.56% |
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 | 27.55% | ||
| Cap/Sales | 0.6% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 49.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.58%
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 Y10.94%
EPS Next 2Y11.35%
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 Year15.98%
Revenue Next 2Y21.6%
Revenue Next 3Y15.72%
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-42.12%
FCF growth 3Y-1.45%
FCF growth 5Y14.88%
OCF growth 1Y-45.12%
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 10.22 and the Price/Book (PB) ratio is 1.54.
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 10.94% in the next year.