MetroCity Bank/$MCBS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About MetroCity Bank
MetroCity Bankshares Inc is a bank holding company. Through its banking subsidiary, it operates as a full-service commercial bank focused on delivering various financial products and services to the small-to medium-sized businesses and individuals in its markets, including many customers in diverse and multi-ethnic communities in metropolitan markets in the Eastern U.S., Texas and California. The company provides commercial banking services such as consumer and commercial checking accounts, savings accounts, certificates of deposits, commercial and consumer loans, money transfers, and a variety of other banking services. The majority of its revenue is generated in the form of interest income.
- Ticker
- $MCBS
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 317
- Headquarters
- Doraville, United States
- Website
- www.metrocitybank.bank
MetroCity Bank Metrics
BasicAdvanced
$1B
11.86
$3.06
0.69
$0.83
3.20%
Price and volume
Market cap
$1B
Beta
0.69
52-week high
$37.46
52-week low
$24.53
Average daily volume
108K
Dividend rate
$0.83
Financial strength
Dividend payout ratio (TTM)
34.93%
Profitability
Net profit margin (TTM)
44.78%
Operating margin (TTM)
60.85%
Effective tax rate (TTM)
22.38%
Revenue per employee (TTM)
$610,000
Management effectiveness
Return on assets (TTM)
2.11%
Return on equity (TTM)
16.87%
Valuation
Price to earnings (TTM)
11.86
Price to revenue (TTM)
5.271
Price to book
1.79
Price to tangible book (TTM)
2.02
Price to free cash flow (TTM)
21.5
Free cash flow yield (TTM)
4.65%
Free cash flow per share (TTM)
1.686
Dividend yield (TTM)
2.29%
Forward dividend yield
3.20%
Growth
Revenue change (TTM)
31.66%
Earnings per share change (TTM)
17.97%
3-year revenue growth (CAGR)
16.91%
3-year earnings per share growth (CAGR)
15.59%
3-year dividend per share growth (CAGR)
16.11%
Bulls say / Bears say
Earnings momentum and margins have improved: nine-month net income rose 36.4% year on year, while the net interest margin increased 38 basis points to 4.09%. The comparison benefits from the First IC acquisition, but the wider margin and stronger returns show improved earnings capacity. (SEC)
The funding mix is improving, with noninterest-bearing deposits rising to 23.3% of deposits from 20.2% a year earlier. Deposits also grew 2.1% in the latest quarter, adding to the bank’s low-cost funding base. (SEC)
MetroCity has a substantial regulatory capital cushion: its bank’s total capital ratio was 18.35%, well above the 10% well-capitalised threshold. It also raised its quarterly dividend to $0.31 per share, signalling confidence in its ability to return capital. (SEC)
Underlying balance-sheet growth is weak: gross loans fell 2.4% from year-end to $3.98 billion, and the latest quarter’s net interest margin slipped to 4.07% from 4.11%. That could constrain revenue if loan demand does not recover. (SEC)
Uninsured deposits rose to 34.7% of total deposits, up from 26.1% a year earlier. That larger share could make funding less stable if customers become nervous, even though the bank reports significant borrowing capacity. (SEC)
Credit stress has surfaced in foreclosed property: other real estate owned increased to $4.5 million from $0.2 million at year-end. While nonperforming loans declined, further property-related losses could still weigh on results. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 13 Nov 2026.
MetroCity Bank Financial Performance
Revenues and expenses
MetroCity Bank Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing MetroCity Bank
Fund name | Fund size | $MCBS weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5B | 0.02% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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