Stock AnalizMetroCity Bankshares, Inc. MCBS
Major Banks · IPO 2019 · data as of November 13, 2026
MetroCity Bankshares, Inc. (MCBS) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $192M and net income of $87M, a net margin of 45.2%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 12.0, a price to free cash flow of 22.1, 5-year revenue growth of 11% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 30% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $192M | $156M | $141M | $120M | $138M | $138M | $93M | $101M | $96M | $84M |
| Net income | $87M | $69M | $65M | $52M | $63M | $62M | $36M | $45M | $41M | $32M |
| Free cash flow | $48M | $37M | $62M | $77M | $132M | $65M | $142M | $31M | -$164M | $146M |
| EPS (diluted) | $3.05 | $2.64 | $2.52 | $2.02 | $2.44 | $2.39 | $1.41 | $1.81 | $1.69 | $1.32 |
| Net margin | 45.2% | 44.0% | 45.7% | 43.1% | 45.5% | 44.8% | 39.0% | 44.3% | 43.1% | 37.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 1 analysts is $41.00, 12% above the current price; targets range from $41.00 to $41.00; the consensus rating is “none”; expected EPS is $3.20 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is MetroCity Bankshares’s P/E ratio?
About 12.0, based on the last twelve months of diluted earnings per share (forward P/E about 11.9).
Is MetroCity Bankshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 30% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does MetroCity Bankshares pay a dividend?
Yes. The dividend yield is about 3.42%, and it has paid dividends for 9 years in our data.
Is MetroCity Bankshares a good stock to buy?
We do not give buy or sell advice. MetroCity Bankshares scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.