Symbols / MCBS Stock $32.98 +1.01% MetroCity Bankshares, Inc.

Financial Services • Banks - Regional • United States • NMS
MCBS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Nack Young Paek
Exch · Country NMS · United States
Market Cap 945.21M
Enterprise Value 992.15M
Income 74.55M
Sales 171.71M
FCF (ttm) —
Book/sh 18.88
Cash/sh 13.70
Employees 317
Insider 10d —
IPO Sep 05, 2019
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 35.25%
P/E 11.86
Forward P/E 9.99
PEG —
P/S 5.50
P/B 1.75
P/C —
EV/EBITDA —
EV/Sales 5.78
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.78
EPS next Y 3.30
EPS Growth 22.20%
Revenue Growth 44.00%
EPS Gr Q/Q 36.90%
Rev Gr Q/Q —
Earnings (next) 2026-07-24
Earnings (prior) 2026-04-24
ROA 1.79%
ROE 15.18%
ROIC —
Gross Margin 0.00%
Oper. Margin 61.74%
Profit Margin 43.41%
Shs Outstand 28.66M
Shs Float 22.01M
Insider Own 20.61%
Instit Own 22.67%
Short Float 1.70%
Short Ratio 2.76
Short Interest 389.59K
52W High 33.40
vs 52W High -1.24%
52W Low 24.53
vs 52W Low 34.46%
Beta 0.69
Impl. Vol. 28.13%
Rel Volume 0.59
Avg Volume 103.78K
Volume 61.68K
Target (mean) $33.00
Tgt Median $33.00
Tgt Low $33.00
Tgt High $33.00
# Analysts 1
Recom None
Prev Close $32.65
Price $32.98
Change 1.01%
About

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$33.00
Mean price target
2. Current target
$32.98
Latest analyst target
3. DCF / Fair value
$41.70
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$32.98
Low
$33.00
High
$33.00
Mean
$33.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2026-03-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-10-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2025-04-22 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2024-10-22 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2024-07-23 reit Keefe, Bruyette & Woods Market Perform → Market Perform $32
2024-04-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $28
2023-07-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $23
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $19
2020-01-28 down Raymond James Outperform → Market Perform —
2019-10-28 init Raymond James — → Outperform $15
2019-10-28 init Keefe, Bruyette & Woods — → Outperform $18
News
RSS: Latest MCBS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-06-02 PAEK NACK Y Chief Executive Officer — 35,616 $27.94 $995,111
2025-06-02 PATEL AJIT A. Director — 859 $27.94 $24,000
2025-06-02 LU FEIYING Director — 859 $27.94 $24,000
2025-06-02 LAI FRANCIS Director — 859 $27.94 $24,000
2025-06-02 LEUNG DON T.P. Director — 859 $27.94 $24,000
2025-06-02 TAN FARID President — 35,616 $27.94 $995,111
2025-06-02 KIM HOWARD HWASAENG Officer and Director — 26,435 $27.94 $738,594
2025-06-02 RHEE FRANK S Director — 859 $27.94 $24,000
2025-06-02 HUNGELING WILLIAM J Director — 859 $27.94 $24,000
2025-06-02 STEWART LUCAS Chief Financial Officer — 859 $27.94 $24,000
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
153.42
+9.85%
139.66
+18.32%
118.03
-12.36%
134.68
Operating Revenue
153.42
+9.85%
139.66
+18.32%
118.03
-12.36%
134.68
Selling General And Administration
39.81
+9.96%
36.20
+12.71%
32.12
-2.37%
32.90
Selling And Marketing Expense
0.66
+3.63%
0.63
+3.26%
0.61
+1.32%
0.61
General And Administrative Expense
39.15
+10.07%
35.57
+12.90%
31.50
-2.44%
32.29
Salaries And Wages
37.44
+10.58%
33.85
+13.14%
29.92
-3.69%
31.07
Other Gand A
—
—
—
—
Reconciled Depreciation
3.51
+18.61%
2.96
+10.16%
2.69
-30.66%
3.88
Total Unusual Items
-4.73
0.00
0.00
—
Total Unusual Items Excluding Goodwill
-4.73
0.00
0.00
—
Special Income Charges
-4.73
0.00
0.00
—
Restructuring And Mergern Acquisition
4.73
0.00
0.00
—
Net Income
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Pretax Income
92.69
+6.16%
87.31
+21.32%
71.97
-21.10%
91.22
Net Interest Income
130.45
+10.41%
118.15
+16.42%
101.48
-15.16%
119.61
Interest Expense
90.38
-4.63%
94.77
+3.74%
91.35
+230.86%
27.61
Interest Income
220.83
+3.72%
212.91
+10.42%
192.83
+30.98%
147.22
Gain On Sale Of Security
—
—
—
-1.09
Tax Provision
24.16
+5.93%
22.81
+12.04%
20.36
-28.85%
28.61
Tax Rate For Calcs
0.00
+0.00%
0.00
-7.77%
0.00
-9.87%
0.00
Tax Effect Of Unusual Items
-1.23
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Net Income From Continuing Operation Net Minority Interest
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Net Income From Continuing And Discontinued Operation
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Net Income Continuous Operations
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Normalized Income
72.03
+11.66%
64.50
+24.98%
51.61
-17.55%
62.60
Net Income Common Stockholders
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Diluted EPS
2.64
+4.76%
2.52
+24.75%
2.02
-20.78%
2.55
Basic EPS
2.66
+4.31%
2.55
+24.39%
2.05
-20.54%
2.58
Basic Average Shares
25.73
+1.73%
25.30
+0.47%
25.18
-0.97%
25.42
Diluted Average Shares
26.01
+1.66%
25.58
+0.25%
25.52
-0.66%
25.69
Diluted NI Availto Com Stockholders
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Amortization
0.11
0.00
0.00
—
Amortization Of Intangibles Income Statement
0.11
0.00
0.00
—
Depreciation Amortization Depletion Income Statement
0.11
0.00
0.00
—
Depreciation And Amortization In Income Statement
0.11
0.00
0.00
—
Insurance And Claims
1.71
-0.06%
1.72
+8.34%
1.58
+29.12%
1.23
Occupancy And Equipment
5.79
+4.78%
5.52
+12.90%
4.89
+0.74%
4.86
Other Non Interest Expense
8.87
+3.29%
8.58
+13.77%
7.54
+5.32%
7.16
Professional Expense And Contract Services Expense
1.75
+14.71%
1.52
+0.07%
1.52
+16.45%
1.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,768.40
+32.68%
3,594.05
+2.60%
3,502.82
+2.21%
3,427.24
Cash And Cash Equivalents
370.83
+56.91%
236.34
+66.26%
142.15
-5.84%
150.96
Other Short Term Investments
6.89
-60.38%
17.39
-5.96%
18.49
-3.91%
19.25
Receivables
20.30
+28.00%
15.86
+4.85%
15.12
+14.84%
13.17
Accounts Receivable
20.30
+28.00%
15.86
+4.85%
15.12
+14.84%
13.17
Net PPE
45.07
+72.52%
26.13
-1.80%
26.60
+17.10%
22.72
Gross PPE
62.80
+73.62%
36.17
-1.14%
36.59
+15.37%
31.71
Accumulated Depreciation
-17.73
-76.50%
-10.04
-0.61%
-9.98
-11.01%
-8.99
Land And Improvements
4.08
+56.84%
2.60
+0.00%
2.60
+0.00%
2.60
Buildings And Improvements
21.17
+61.18%
13.14
+70.53%
7.70
+0.00%
7.70
Machinery Furniture Equipment
12.49
+57.07%
7.95
+1.31%
7.85
+17.01%
6.71
Construction In Progress
0.17
+1755.56%
0.01
-99.84%
5.61
+152.02%
2.22
Other Properties
15.19
+93.54%
7.85
-7.34%
8.47
+0.11%
8.46
Leases
9.69
+109.85%
4.62
+6.09%
4.35
+8.55%
4.01
Goodwill And Other Intangible Assets
70.33
+4891.84%
1.41
+10.68%
1.27
-67.96%
3.97
Goodwill
56.05
0.00
—
—
Other Intangible Assets
14.29
+913.98%
1.41
+10.68%
1.27
-67.96%
3.97
Investments And Advances
65.83
+137.71%
27.69
-3.94%
28.83
-2.43%
29.55
Total Liabilities Net Minority Interest
4,224.22
+33.14%
3,172.69
+1.65%
3,121.31
+1.41%
3,077.82
Payables And Accrued Expenses
10.73
+206.78%
3.50
-15.36%
4.13
+50.89%
2.74
Payables
10.73
+206.78%
3.50
-15.36%
4.13
+50.89%
2.74
Accounts Payable
10.73
+206.78%
3.50
-15.36%
4.13
+50.89%
2.74
Current Debt And Capital Lease Obligation
138.69
—
1.81
—
Current Debt
135.00
—
—
—
Other Current Borrowings
135.00
—
—
—
Current Capital Lease Obligation
3.69
—
1.81
—
Long Term Debt And Capital Lease Obligation
386.61
+0.96%
382.94
+14.77%
333.65
-13.17%
384.28
Long Term Debt
375.00
+0.00%
375.00
+15.38%
325.00
-13.42%
375.39
Long Term Capital Lease Obligation
11.61
+46.25%
7.94
-8.22%
8.65
-2.63%
8.88
Stockholders Equity
544.18
+29.15%
421.35
+10.44%
381.52
+9.19%
349.42
Common Stock Equity
544.18
+29.15%
421.35
+10.44%
381.52
+9.19%
349.42
Capital Stock
1.16
+356.30%
0.25
+0.79%
0.25
+0.00%
0.25
Common Stock
1.16
+356.30%
0.25
+0.79%
0.25
+0.00%
0.25
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
28.82
+13.44%
25.40
+0.78%
25.21
+0.14%
25.17
Ordinary Shares Number
28.82
+13.44%
25.40
+0.78%
25.21
+0.14%
25.17
Additional Paid In Capital
138.68
+181.77%
49.22
+7.70%
45.70
+0.89%
45.30
Retained Earnings
402.68
+12.26%
358.70
+13.75%
315.36
+10.33%
285.83
Gains Losses Not Affecting Retained Earnings
1.67
-87.36%
13.18
-34.79%
20.21
+12.04%
18.04
Other Equity Adjustments
1.67
-87.36%
13.18
-34.79%
20.21
+12.04%
18.04
Total Equity Gross Minority Interest
544.18
+29.15%
421.35
+10.44%
381.52
+9.19%
349.42
Total Capitalization
919.18
+15.42%
796.35
+12.72%
706.52
-2.52%
724.81
Invested Capital
1,054.18
+32.38%
796.35
+12.72%
706.52
-2.52%
724.81
Total Debt
525.31
+37.18%
382.94
+14.77%
333.65
-13.17%
384.28
Net Debt
139.17
+0.36%
138.66
-24.17%
182.85
-18.53%
224.43
Capital Lease Obligations
15.31
+92.77%
7.94
-8.22%
8.65
-2.63%
8.88
Net Tangible Assets
473.85
+12.84%
419.94
+10.44%
380.24
+10.07%
345.45
Tangible Book Value
473.85
+12.84%
419.94
+10.44%
380.24
+10.07%
345.45
Available For Sale Securities
58.93
+472.17%
10.30
-0.34%
10.34
+0.34%
10.30
Cash Cash Equivalents And Federal Funds Sold
383.68
+53.55%
249.88
+72.56%
144.81
-19.32%
179.49
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
37.70
-40.63%
63.50
-22.65%
82.10
-39.05%
134.69
Cash Flow From Continuing Operating Activities
37.70
-40.63%
63.50
-22.65%
82.10
-39.05%
134.69
Net Income From Continuing Operations
68.53
+6.24%
64.50
+24.98%
51.61
-17.55%
62.60
Depreciation Amortization Depletion
3.51
+18.61%
2.96
+10.16%
2.69
-30.66%
3.88
Depreciation
3.51
+18.61%
2.96
+10.16%
2.69
-30.66%
3.88
Depreciation And Amortization
3.51
+18.61%
2.96
+10.16%
2.69
-30.66%
3.88
Other Non Cash Items
3.06
+2.03%
3.00
+9.16%
2.75
-97.22%
99.02
Stock Based Compensation
2.91
+10.57%
2.63
+8.59%
2.42
+25.38%
1.93
Asset Impairment Charge
0.00
-100.00%
0.38
+57.08%
0.24
0.00
Deferred Tax
0.64
+83.71%
0.35
-65.35%
1.01
+134.17%
-2.96
Deferred Income Tax
0.64
+83.71%
0.35
-65.35%
1.01
+134.17%
-2.96
Operating Gains Losses
-6.27
-29.12%
-4.86
-47.29%
-3.30
+19.24%
-4.08
Unrealized Gain Loss On Investment Securities
-0.35
-1088.57%
0.04
+200.00%
-0.04
-103.22%
1.09
Change In Working Capital
-34.02
-465.55%
-6.01
-124.33%
24.73
+202.99%
-24.01
Change In Receivables
-1.68
-129.74%
-0.73
+62.49%
-1.95
+7.79%
-2.12
Changes In Account Receivables
-1.68
-129.74%
-0.73
+62.49%
-1.95
+7.79%
-2.12
Change In Payables And Accrued Expense
-1.06
-67.72%
-0.64
-145.55%
1.39
-45.01%
2.54
Change In Payable
-1.06
-67.72%
-0.64
-145.55%
1.39
-45.01%
2.54
Change In Account Payable
-1.06
-67.72%
-0.64
-145.55%
1.39
-45.01%
2.54
Change In Other Working Capital
-11.60
-1404.93%
-0.77
+68.73%
-2.47
-45.66%
-1.69
Change In Other Current Assets
-1.10
-233.99%
0.82
-10.01%
0.91
+217.29%
-0.78
Change In Other Current Liabilities
-18.57
-295.61%
-4.69
-117.49%
26.84
+222.26%
-21.95
Investing Cash Flow
126.83
+2061.42%
5.87
+105.32%
-110.27
+83.08%
-651.82
Cash Flow From Continuing Investing Activities
126.83
+2061.42%
5.87
+105.32%
-110.27
+83.08%
-651.82
Net PPE Purchase And Sale
-0.67
+47.59%
-1.29
+73.92%
-4.93
-109.47%
-2.35
Purchase Of PPE
-0.67
+47.59%
-1.29
+73.92%
-4.93
-109.47%
-2.35
Capital Expenditure
-0.67
+47.59%
-1.29
+73.92%
-4.93
-109.47%
-2.35
Net Investment Purchase And Sale
-5.36
-937.03%
0.64
-49.69%
1.27
-55.93%
2.89
Purchase Of Investment
-8.00
0.00
0.00
0.00
Sale Of Investment
2.64
+312.97%
0.64
-49.69%
1.27
-55.93%
2.89
Net Business Purchase And Sale
9.15
0.00
0.00
—
Net Other Investing Changes
0.00
+100.35%
-1.14
-130.38%
3.76
+165.31%
-5.75
Financing Cash Flow
-30.73
-186.08%
35.70
+648.07%
-6.51
-102.55%
255.27
Cash Flow From Continuing Financing Activities
-30.73
-186.08%
35.70
+648.07%
-6.51
-102.55%
255.27
Net Issuance Payments Of Debt
50.00
+0.00%
50.00
+199.22%
-50.39
+59.71%
-125.07
Issuance Of Debt
100.00
-77.78%
450.00
+5.88%
425.00
-19.05%
525.00
Repayment Of Debt
-50.00
+87.50%
-400.00
+15.86%
-475.39
+26.87%
-650.07
Long Term Debt Issuance
100.00
-77.78%
450.00
+5.88%
425.00
-19.05%
525.00
Long Term Debt Payments
-50.00
+87.50%
-400.00
+15.86%
-475.39
+26.87%
-650.07
Net Long Term Debt Issuance
50.00
+0.00%
50.00
+199.22%
-50.39
+59.71%
-125.07
Net Common Stock Issuance
-2.73
-27170.00%
-0.01
+99.50%
-2.02
+75.35%
-8.20
Common Stock Payments
-2.73
-27170.00%
-0.01
+99.50%
-2.02
+75.35%
-8.20
Common Stock Dividend Paid
-24.84
-18.02%
-21.05
-15.66%
-18.20
-19.03%
-15.29
Cash Dividends Paid
-24.84
-18.02%
-21.05
-15.66%
-18.20
-19.03%
-15.29
Repurchase Of Capital Stock
-2.73
-27170.00%
-0.01
+99.50%
-2.02
+75.35%
-8.20
Proceeds From Stock Option Exercised
0.00
-100.00%
0.90
0.00
0.00
Net Other Financing Charges
-1.39
—
—
—
Changes In Cash
133.80
+27.34%
105.07
+402.97%
-34.68
+86.76%
-261.86
Beginning Cash Position
249.88
+72.56%
144.81
-19.32%
179.49
-59.33%
441.34
End Cash Position
383.68
+53.55%
249.88
+72.56%
144.81
-19.32%
179.49
Free Cash Flow
37.03
-40.48%
62.22
-19.38%
77.17
-41.69%
132.34
Interest Paid Supplemental Data
91.44
-4.15%
95.40
+6.48%
89.59
+257.32%
25.07
Income Tax Paid Supplemental Data
21.78
+1.28%
21.50
+19.64%
17.97
-47.62%
34.31
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
Sale Of Business
9.15
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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