MetroCity Bankshares, Inc.
MCBS
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.0B
$35.79
▲ +0.62%
P/E
12.38
Mkt Cap
$1.0B
52-Wk Range
$24.53–$37.46
52-Week Range
$24.53 - $37.46
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 20.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Community-focused regional presence with 19 branches across high-growth markets in Southeast and Mid-Atlantic regions
- Specialized expertise in small to medium-sized business lending with personalized service advantage over national banks
- Diversified loan portfolio reducing concentration risk across construction, commercial real estate, and consumer segments
- Established relationships and local market knowledge in seven states since 2006 founding
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Strong growth ahead
Expansion of branch network and market penetration in underserved SMB segments
Value
Valued in line with Commercial Banking peers (0.9x).
Momentum
Strong
+6.0% over 3m
Quality
Excellent
High-growth business (53% revenue growth, 62% gross margin). Profitable with strong growth momentum.
Dividend
Solid
3.02% yield
Smart-money signal
Who's buying MCBS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 16, 2026
JUL 24, 2026
Reported EPS of $0.76 vs $0.81 consensus (-6.2% surprise). Revenue of $49.8M vs $52.4M expected (-5.0%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-6.2%
Revenue trend · last 8Q
—
+17%
+10%
+5%
+3%
+80%
-100%
-219%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$36.9M
$33.8M
$58.0M
$59.8M
$60.2M
$60.9M
$0
-$71.0M
Margins · last 8Q
Gross
62.7%
Operating
33.6%
Profit
—
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · Apr 9, 2026
vs Industry
How MCBS stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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