MetroCity Bankshares (MCBS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

MetroCity Bankshares

NasdaqGS•Financial Services•Banks - Regional

$35.79+0.22(0.01%)Market closed

Market Cap

$1.00B

P/E

12.5x

P/S

3.6x

P/B

1.8x

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.

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality21/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.5x5y range 7.1x – 13.0x

Currently near its 20-quarter median.

P/S · 3.6x5y range 2.3x – 5.0x

Currently near its 20-quarter median.

P/B · 1.8x5y range 1.2x – 2.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Share Dilution

Red Flag

Shares outstanding increased 13.3% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.00B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $281.76M
Q. Revenue: $76.16M
TTM EBITDA: $110.66M
TTM Op. Income: $107.80M
Q. Op. Income: $30.63M
TTM Net Income: $79.85M
Q. Net Income: $22.13M
EPS: $0.77
Shares Out.: $28.70M

$281.76M in TTM revenue grew 19.3% YoY, reaching $76.16M last quarter. TTM EBITDA of $110.66M and TTM operating income of $107.80M show growth is flowing through to the bottom line. TTM net income of $79.85M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 65.4%
EBITDA Margin: 38.3%
Op. Margin: 40.2%
Net Margin: 29.1%

Op. margin of 40.2% is up 0.6% YoY — cost efficiency is improving. Net margin at 29.1% and gross margin of 65.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.5x
P/S Ratio: 3.6x
P/B Ratio: 1.8x

At 12.5x P/E, the stock trades below typical market levels. P/S of 3.6x and P/B of 1.8x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.52B
Cash: $266.69M
Long-Term Debt: $375.00M
Book Value: $567.85M
D/E Ratio: 0.7
Debt/EBITDA: 12.9

With $4.52B in assets and $375.00M in long-term debt, D/E is 0.7and book value is $567.85M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $24.92M
TTM Free Cash Flow: $80.85M
FCF Margin: 28.7%
FCF / Net Income: 1.0

TTM FCF of $80.85M on $24.92M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.