MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc.

MCBS
MetroCity Bankshares, Inc.US flagNASDAQ Global Select
34.17
USD
+0.34
- -
979.31MMarket Cap
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.86
2.48
3.53
3.82
4.02
3.57
5.26
5.3
4.69
5.52
5.96
6.34
Basic EPS, GAAP
0.7
0.86
1.34
1.71
1.82
1.42
2.41
2.46
2.05
2.55
2.66
2.81
Free Cash Flow per Basic Share
0.57
-6.09
6.12
-6.77
1.27
5.54
2.54
5.21
3.07
2.46
1.44
2.67
Dividend per Share
0.11
0.16
0.23
0.38
0.42
0.4
0.46
0.6
0.72
0.83
0.97
0.99
Book Value per Share
2.27
2.97
4.05
5.33
6.63
7.37
9.33
11.25
12.54
14.19
15.69
15.74
Tangible Book Value per Share
3.79
4.54
5.38
6.35
8.09
9.05
11.03
13.59
15.1
16.6
18.41
18.24
Basic Weighted Avg Shares
24
24
24
24
25
26
26
25
25
25
26
27
Sales/Revenue/Turnover
44
59
84
92
99
91
135
135
118
140
153
168
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
3
3
3
4
3
3
4
3
Net Income, GAAP
17
20
32
41
45
36
62
63
52
65
69
75
Effective Tax Rate (%)
36.21
37.64
36.27
26.19
26.53
25.37
25.32
31.37
28.29
26.12
26.07
26.07
Profit Margin (%)
37.71
34.51
37.84
44.76
45.31
39.79
45.83
46.48
43.73
46.19
44.67
44.31
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
15
114
125
4
76
91
510
384
334
383
387
440
Total Equity
90
107
135
169
217
245
290
349
382
421
544
554
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
32.63
38.24
36.67
30.66
20.69
28.85
23.85
17.16
19.12
17.97
18.94

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
139
- -
LT Borrowings
425
375
425
LT Finance Leases
8
12
15
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
26
29
29
Market Capitalization
705
684
761

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
227
378
392
Accounts Receivable, Net
17
20
20
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
11
10
ST Debt
- -
139
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.98%
17.54%
29.15%
Free Cash Flow
-139.08%
-10.46%
-40.48%
Net Income, GAAP
18.33%
16.93%
6.24%
Sales/Revenue/Turnover
14.9%
12.61%
9.85%
Total Cash Common Dividend
26.46%
19.4%
18.02%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
36
37
34
140
2025
36
38
38
42
153
2026
51
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.58
0.67
0.66
0.64
2.55
2025
0.64
0.66
0.68
0.68
2.66
2026
0.78
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.2
0.2
0.2
0.23
0.83
2025
0.23
0.23
0.27
0.24
0.97
2026
0.25
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Nack Young Paek
Full Time Employees
240
Sector
Financial Services
Industry
Banks - Regional
Address
5114 Buford Highway Doraville GA United States of America 30340
IPO Date
Sep 5, 2019
Business
MetroCity Bankshares, Inc. (MCBS) is a bank holding company for its wholly owned subsidiary Metro City Bank, which provides a broad range of commercial and consumer banking products and services throughout the United States. The bank offers deposit products including consumer and commercial checking accounts, savings accounts, money market accounts, and certificates of deposit; lending solutions such as single family residential loans, construction and development loans, owner- and non-owner-occupied commercial real estate loans, commercial and industrial loans, residential mortgage loans, small business administration loans, and letters of credit; and digital and treasury services comprising online banking with account access, transfers, bill payment, and electronic statements, mobile banking featuring remote check deposit and bill pay, debit cards, direct deposits, cashier's checks, automated teller machines, telephone banking, treasury management including balance reporting, wire transfers, automated clearing house, and stop payments, as well as cash management products like remote deposit capture, positive pay, zero balance accounts, and sweep accounts. Founded in 2006 and headquartered in Doraville, Georgia, the company primarily serves small to mid-sized businesses and individuals with a focus on relationship banking in key metropolitan markets across states including Georgia, Texas, California, Florida, New York, New Jersey, Alabama, and Virginia. In a major strategic expansion completed on December 2, 2025, MetroCity Bankshares acquired First IC Corporation in a $206 million cash-and-stock transaction, nearly doubling its footprint to approximately $4.8 billion in total assets, $4.0 billion in loans, $3.6 billion in deposits, and 30 full-service branches plus two loan production offices, enhancing its competitive position and service capabilities in the regional banking sector.

Company News

APIChatGPT
  • High-Performing MetroCity Bankshares Is Priced At A Premium

  • Is It Too Late to Buy MetroCity Bankshares Inc (MCBS) After 4.3% Rally? GF Value Says Undervalued

  • Critical Contrast: MetroCity Bankshares (NASDAQ:MCBS) vs. National Bankshares (NASDAQ:NKSH)

  • METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR FIRST QUARTER 2026

  • PEBK vs. MCBS: Which Regional Bank Stock Is the Better Buy Right Now?

  • MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend

  • MetroCity Bankshares (NASDAQ:MCBS) Sets New 52-Week High Following Analyst Upgrade

  • MetroCity Bankshares (NASDAQ:MCBS) vs. Dime Community Bancshares (NASDAQ:DCOM) Head-To-Head Comparison

  • METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR FOURTH QUARTER AND YEAR ENDED 2025

  • Head-To-Head Review: MetroCity Bankshares (NASDAQ:MCBS) versus Cadence Bank (NYSE:CADE)

  • Cedar Creek Partners Q4 2025 Expert Market Exposure

  • MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend

  • Head-To-Head Survey: Customers Bancorp (NYSE:CUBI) & MetroCity Bankshares (NASDAQ:MCBS)

  • Critical Comparison: M&F Bancorp (OTCMKTS:MFBP) & MetroCity Bankshares (NASDAQ:MCBS)

  • MetroCity Bankshares, Inc. Completes Acquisition of First IC Corporation

  • Creative Planning Buys New Position in MetroCity Bankshares, Inc. $MCBS

  • MetroCity Bankshares, Inc. and First IC Corporation Announce Expected Closing Date

  • METROCITY BANKSHARES, INC. REPORTS EARNINGS FOR THIRD QUARTER 2025

  • MetroCity Bankshares, Inc. Declares Quarterly Cash Dividend

  • 6 Upcoming Dividend Increases