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MetroCity Bankshares, Inc.(MCBS)Earnings, Financials & Key Ratios
MCBS•NASDAQ•Banking & Credit
$35.86
13.6× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutMetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and online banking, treasury management, wire transfer, automated clearing house, and cash management services. It serves small to medium-sized businesses, individuals, businesses, municipalities, and other entities. The company operates 19 full-service branch locations in Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia. The company was founded in 2006 and is headquartered in Doraville, Georgia.Show more
- Net Interest Income$130M+10.4%
- Total Revenue$237M+1.1%
- Net Income$69M+6.5%
- Return on Equity14.23%-11.4%
- Net Interest Margin2.74%-16.8%
- Efficiency Ratio22.8%+3.1%
- ROA1.64%-9.6%
- Equity / Assets11.42%-2.6%
- Book Value per Share20.93+27.1%
MCBS Price & Volume
MetroCity Bankshares, Inc. (MCBS) stock price & volume — 10-year historical chart
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SBA Revenue Volatility Masks Deep Credit Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Decelerating
Profitability:Strong
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:CRE and SBA concentration
Key Thesis Takeaways
- MetroCity Bankshares faces significant fundamental headwinds as its reliance on volatile SBA gain-on-sale income and concentrated commercial real estate lending creates substantial earnings instability.
- While the bank has historically maintained an efficient operating profile, the recent $26.5 million provision for loan losses in 2026Q1 suggests mounting credit stress that threatens capital adequacy.
- Investors should exercise caution as the sharp contraction in net interest income to zero and the depletion of cash reserves to $61.2 million indicate a deteriorating liquidity and profitability outlook.
Verdict Logic
Negative: The combination of a $26.5 million provision for loan losses and the total erosion of net interest income in 2026Q1 suggests that the bank's current risk profile outweighs its 2.7% dividend yield.
MCBS Growth Metrics
MetroCity Bankshares, Inc. (MCBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.41%
5 Years18.15%
3 Years13.46%
TTM-
Profit CAGR
10 Years15.25%
5 Years13.55%
3 Years3.15%
TTM12.92%
EPS CAGR
10 Years14.2%
5 Years13.36%
3 Years1.16%
TTM7.78%
Return on Capital
10 Years14.99%
5 Years9.67%
3 Years7.85%
Last Year3.31%
MCBS Recent Earnings
MetroCity Bankshares, Inc. (MCBS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 5/12 qtrs (56%)
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.77+0.0%
$0.77
Rev
$51M+0.5%
$51M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.68
—
Rev
$61M
—
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.68-6.8%
$0.73
Rev
$44M-1.7%
$45M
Q4 2025
Oct 17, 2025Metric
Actual
Est
EPS
$0.67-5.6%
$0.71
Rev
$38M-5.5%
$40M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.77vs $0.77+0.0% | $51Mvs $51M+0.5% |
| Q2 2026 | Mar 16, 2026 | $0.68 | $61M |
| Q1 2026 | Jan 30, 2026 | $0.68vs $0.73-6.8% | $44Mvs $45M-1.7% |
| Q4 2025 | Oct 17, 2025 | $0.67vs $0.71-5.6% | $38Mvs $40M-5.5% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for MetroCity Bankshares, Inc. (MCBS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $35.86 | $1.03B | 13.58 | 1.11% | 28.99% | 14.23% | 2.66% | |
| $32.67 | $972.47M | 13.02 | 3.55% | 18.42% | 10.31% | — | |
| $13.59 | $1.74B | 29.54 | -3.23% | 6.82% | 2.96% | — | |
| $62.05 | $4.16B | 13.67 | -0.43% | 24.09% | 11.37% | — | |
| $23.88 | $190.21M | 12.57 | 4.61% | 12.23% | 8.29% | — | |
| $67.03 | $671.03M | 11.40 | 22.26% | 20.68% | 11.5% | — |
Compare MCBS vs Peers
MetroCity Bankshares, Inc. (MCBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MCBS SEC Filings & Documents
MetroCity Bankshares, Inc. (MCBS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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MCBS Frequently Asked Questions
MetroCity Bankshares, Inc. (MCBS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is MetroCity Bankshares, Inc. growing?
MetroCity Bankshares, Inc. (MCBS) grew revenue by 1.1% over the past year. Growth has been modest.
Is MCBS profitable?
Yes, MetroCity Bankshares, Inc. (MCBS) is profitable, generating $74.7M in net income for fiscal year 2025 (29.0% net margin).
Dividend & Returns
Does MCBS pay dividends?
Yes, MetroCity Bankshares, Inc. (MCBS) pays a dividend with a yield of 2.66%. This makes it attractive for income-focused investors.
What is MCBS's return on equity?
MetroCity Bankshares, Inc. (MCBS) has a return on equity (ROE) of 14.2%. This is reasonable for most industries.
Industry Metrics
What is MetroCity Bankshares, Inc.'s net interest margin?
MetroCity Bankshares, Inc. (MCBS) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is MetroCity Bankshares, Inc.'s efficiency ratio?
MetroCity Bankshares, Inc. (MCBS) has an efficiency ratio of 22.8%. This is excellent, indicating strong cost control.