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METROCITY BANKSHARES INC (MCBS) Stock Fundamental Analysis

NASDAQ:MCBS - Nasdaq - US59165J1051 - Common Stock - Currency: USD

28.1  -0.76 (-2.63%)

After market: 28.1 0 (0%)

Fundamental Rating

5

MCBS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 396 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year MCBS was profitable.
MCBS had a positive operating cash flow in the past year.
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.
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 0 100M -100M

1.2 Ratios

MCBS has a Return On Assets of 1.81%. This is amongst the best in the industry. MCBS outperforms 94.70% of its industry peers.
The Return On Equity of MCBS (15.46%) is better than 92.68% of its industry peers.
Industry RankSector Rank
ROA 1.81%
ROE 15.46%
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
MCBS Yearly ROA, ROE, ROICMCBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

With an excellent Profit Margin value of 45.77%, MCBS belongs to the best of the industry, outperforming 98.99% 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 RankSector Rank
OM N/A
PM (TTM) 45.77%
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
MCBS Yearly Profit, Operating, Gross MarginsMCBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

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
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.
MCBS Yearly Shares OutstandingMCBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.65%
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 0 100M -100M 200M 300M 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 2M 4M 6M 8M 10M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.46% over the past year.
Measured over the past 5 years, MCBS shows a small growth in Earnings Per Share. The EPS has been growing by 7.58% on average per year.
The Revenue has grown by 20.39% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 6.95% on average over the past years.
EPS 1Y (TTM)30.46%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%10.53%
Revenue 1Y (TTM)20.39%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%77.55%

3.2 Future

MCBS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.04% yearly.
MCBS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.10% yearly.
EPS Next Y7.69%
EPS Next 2Y14.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.15%
Revenue Next 2Y22.1%
Revenue Next 3YN/A
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.
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 50M 100M 150M 200M
MCBS Yearly EPS VS EstimatesMCBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.93, the valuation of MCBS can be described as very reasonable.
Based on the Price/Earnings ratio, MCBS is valued a bit cheaper than 62.63% of the companies in the same industry.
MCBS is valuated cheaply when we compare the Price/Earnings ratio to 26.03, which is the current average of the S&P500 Index.
MCBS is valuated reasonably with a Price/Forward Earnings ratio of 8.61.
Based on the Price/Forward Earnings ratio, MCBS is valued a bit cheaper than 68.69% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MCBS to the average of the S&P500 Index (21.94), we can say MCBS is valued rather cheaply.
Industry RankSector Rank
PE 10.93
Fwd PE 8.61
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 73.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.81
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

MCBS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
MCBS's earnings are expected to grow with 14.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.42
PEG (5Y)1.44
EPS Next 2Y14.04%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

MCBS has a Yearly Dividend Yield of 3.11%.
MCBS's Dividend Yield is comparable with the industry average which is at 3.34.
MCBS's Dividend Yield is a higher than the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 3.11%

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
MCBS Yearly Dividends per shareMCBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

33.03% 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.
DP33.03%
EPS Next 2Y14.04%
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 0 100M -100M
MCBS Dividend Payout.MCBS Dividend Payout, showing the Payout Ratio.MCBS Dividend Payout.PayoutRetained Earnings

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METROCITY BANKSHARES INC

NASDAQ:MCBS (5/21/2025, 8:14:59 PM)

After market: 28.1 0 (0%)

28.1

-0.76 (-2.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-18 2025-04-18/dmh
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners24.55%
Inst Owner Change0.43%
Ins Owners26.46%
Ins Owner Change0.67%
Market Cap713.74M
Analysts43.33
Price Target34.68 (23.42%)
Short Float %0.87%
Short Ratio4.07
Dividend
Industry RankSector Rank
Dividend Yield 3.11%
Yearly Dividend0.83
Dividend Growth(5Y)15.24%
DP33.03%
Div Incr Years8
Div Non Decr Years8
Ex-Date04-30 2025-04-30 (0.23)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.76%
Min EPS beat(2)0.43%
Max EPS beat(2)1.09%
EPS beat(4)3
Avg EPS beat(4)2.49%
Min EPS beat(4)-1.05%
Max EPS beat(4)9.49%
EPS beat(8)5
Avg EPS beat(8)-0.72%
EPS beat(12)6
Avg EPS beat(12)-1.19%
EPS beat(16)10
Avg EPS beat(16)0.19%
Revenue beat(2)1
Avg Revenue beat(2)30.1%
Min Revenue beat(2)-1.74%
Max Revenue beat(2)61.93%
Revenue beat(4)2
Avg Revenue beat(4)16.11%
Min Revenue beat(4)-1.74%
Max Revenue beat(4)61.93%
Revenue beat(8)5
Avg Revenue beat(8)8.01%
Revenue beat(12)6
Avg Revenue beat(12)3.52%
Revenue beat(16)9
Avg Revenue beat(16)3.67%
PT rev (1m)-5.56%
PT rev (3m)-5.56%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)0.11%
EPS NY rev (3m)3.39%
Revenue NQ rev (1m)-0.28%
Revenue NQ rev (3m)-0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.22%
Valuation
Industry RankSector Rank
PE 10.93
Fwd PE 8.61
P/S 4.94
P/FCF 18.81
P/OCF 18.28
P/B 1.67
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)2.57
EY9.15%
EPS(NY)3.26
Fwd EY11.62%
FCF(TTM)1.49
FCFY5.32%
OCF(TTM)1.54
OCFY5.47%
SpS5.69
BVpS16.85
TBVpS16.51
PEG (NY)1.42
PEG (5Y)1.44
Profitability
Industry RankSector Rank
ROA 1.81%
ROE 15.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 45.77%
GM N/A
FCFM 26.24%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 36.61%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.65%
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)30.46%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%10.53%
EPS Next Y7.69%
EPS Next 2Y14.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.39%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%77.55%
Revenue Next Year13.15%
Revenue Next 2Y22.1%
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-39%
FCF growth 3Y-1.45%
FCF growth 5Y14.88%
OCF growth 1Y-40.65%
OCF growth 3Y-0.98%
OCF growth 5Y14.55%