MetroCity Bank/$MCBS
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About MetroCity Bank
MetroCity Bankshares Inc is a holding company of its subsidiary Metro City Bank. It 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 banks generate revenue from interest income. Its customers include small business owners, professionals, consumers, and real estate developers.
Ticker
$MCBS
Sector
Primary listing
Employees
240
Headquarters
Website
MetroCity Bank Metrics
BasicAdvanced
$668M
10.10
$2.59
0.65
$0.94
3.82%
Price and volume
Market cap
$668M
Beta
0.65
52-week high
$31.06
52-week low
$24.24
Average daily volume
37K
Dividend rate
$0.94
Financial strength
Profitability
Net profit margin (TTM)
45.22%
Operating margin (TTM)
61.98%
Effective tax rate (TTM)
26.33%
Revenue per employee (TTM)
$610,000
Management effectiveness
Return on assets (TTM)
1.85%
Return on equity (TTM)
15.62%
Valuation
Price to earnings (TTM)
10.1
Price to revenue (TTM)
4.513
Price to book
1.5
Price to tangible book (TTM)
1.5
Dividend yield (TTM)
3.59%
Forward dividend yield
3.82%
Growth
Revenue change (TTM)
8.69%
Earnings per share change (TTM)
11.15%
3-year revenue growth (CAGR)
0.64%
3-year earnings per share growth (CAGR)
-1.62%
3-year dividend per share growth (CAGR)
16.80%
Bulls say / Bears say
The merger with First IC Corporation is expected to create a combined institution with about $4.8 billion in total assets, $3.7 billion in deposits, and $4.1 billion in loans, resulting in approximately 26% EPS accretion in the first full year after close.
MetroCity Bankshares surpassed all regulatory capital standards and was deemed “well-capitalized” by the FDIC as of June 30, 2025, ensuring a robust capital position to support growth plans.
The efficiency ratio improved to 37.2% in Q2 2025 from 38.3% in Q1 2025, demonstrating strong expense control during a period of investment.
Total deposits fell 1.7% quarter-over-quarter to $2.69 billion in Q2 2025, narrowing the funding base and possibly increasing dependency on more expensive borrowing sources.
The provision for credit losses rose to $257,000 in Q2 2025, up from $202,000 in Q4 2024, indicating higher credit risk in the loan book.
Noninterest expense rose by 8.3% year-over-year to $14.1 million in Q2 2025, driven by higher salaries, occupancy costs, and merger-related charges, which may squeeze net margins.
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
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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Capital at risk
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FAQs
What’s the current market cap for MetroCity Bank stock?
MetroCity Bank (MCBS) has a market cap of $668M as of October 21, 2025.
What is the P/E ratio for MetroCity Bank stock?
The price to earnings (P/E) ratio for MetroCity Bank (MCBS) stock is 10.1 as of October 21, 2025.
Does MetroCity Bank stock pay dividends?
Yes, the MetroCity Bank (MCBS) stock pays dividends to shareholders. As of October 21, 2025, the dividend rate is $0.94 and the yield is 3.82%. MetroCity Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next MetroCity Bank dividend payment date?
The next MetroCity Bank (MCBS) dividend payment is scheduled for November 07, 2025.
What is the beta indicator for MetroCity Bank?
MetroCity Bank (MCBS) has a beta rating of 0.65. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.