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METROCITY BANKSHARES INC (MCBS) Stock Fundamental Analysis

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

26.9  -0.7 (-2.54%)

After market: 26.9 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to MCBS. MCBS was compared to 393 industry peers in the Banks industry. MCBS has an average financial health and profitability rating. 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

MCBS had positive earnings in the past year.
In the past year MCBS had a positive cash flow from operations.
MCBS had positive earnings in each of the past 5 years.
MCBS had a positive operating cash flow in each of the past 5 years.
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 better Return On Assets (1.81%) than 95.67% of its industry peers.
Looking at the Return On Equity, with a value of 15.48%, MCBS belongs to the top of the industry, outperforming 93.38% of the companies in the same industry.
Industry RankSector Rank
ROA 1.81%
ROE 15.48%
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

MCBS's Profit Margin of 45.82% is amongst the best of the industry. MCBS outperforms 98.98% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 45.82%
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.
The number of shares outstanding for MCBS has been increased compared to 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.
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

MCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.57%
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.75% 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.
Looking at the last year, MCBS shows a quite strong growth in Revenue. The Revenue has grown by 15.47% in the last year.
The Revenue has been growing slightly by 6.95% on average over the past years.
EPS 1Y (TTM)20.75%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%-1.52%
Revenue 1Y (TTM)15.47%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%4.52%

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 14.04% on average per year.
The Revenue is expected to grow by 22.10% on average over the next years. This is a very strong growth
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

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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.51, the valuation of MCBS can be described as reasonable.
MCBS's Price/Earnings ratio is a bit cheaper when compared to the industry. MCBS is cheaper than 65.14% of the companies in the same industry.
MCBS is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.24 indicates a reasonable valuation of MCBS.
Based on the Price/Forward Earnings ratio, MCBS is valued a bit cheaper than 73.79% 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 36.21.
Industry RankSector Rank
PE 10.51
Fwd PE 8.24
MCBS Price Earnings VS Forward Price EarningsMCBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCBS is valued a bit more expensive than the industry average as 70.48% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.94
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)1.37
PEG (5Y)1.39
EPS Next 2Y14.04%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.37%, MCBS has a reasonable but not impressive dividend return.
MCBS's Dividend Yield is a higher than the industry average which is at 3.48.
MCBS's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.37%

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

MCBS pays out 33.00% 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.
DP33%
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 (8/1/2025, 8:00:00 PM)

After market: 26.9 0 (0%)

26.9

-0.7 (-2.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/dmh
Earnings (Next)10-16 2025-10-16/bmo
Inst Owners24.36%
Inst Owner Change0.06%
Ins Owners24.37%
Ins Owner Change1.65%
Market Cap687.03M
Analysts43.33
Price Target34.68 (28.92%)
Short Float %1.1%
Short Ratio5.27
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0.83
Dividend Growth(5Y)15.24%
DP33%
Div Incr Years8
Div Non Decr Years8
Ex-Date07-30 2025-07-30 (0.25)
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.16%
EPS NY rev (1m)0%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 8.24
P/S 4.75
P/FCF 17.94
P/OCF 17.43
P/B 1.61
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)2.56
EY9.52%
EPS(NY)3.26
Fwd EY12.13%
FCF(TTM)1.5
FCFY5.57%
OCF(TTM)1.54
OCFY5.74%
SpS5.66
BVpS16.76
TBVpS16.42
PEG (NY)1.37
PEG (5Y)1.39
Profitability
Industry RankSector Rank
ROA 1.81%
ROE 15.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 45.82%
GM N/A
FCFM 26.49%
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 36.69%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 57.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.57%
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)20.75%
EPS 3Y1.51%
EPS 5Y7.58%
EPS Q2Q%-1.52%
EPS Next Y7.69%
EPS Next 2Y14.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.47%
Revenue growth 3Y0.77%
Revenue growth 5Y6.95%
Sales Q2Q%4.52%
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-38.43%
FCF growth 3Y-1.45%
FCF growth 5Y14.88%
OCF growth 1Y-40.1%
OCF growth 3Y-0.98%
OCF growth 5Y14.55%