MetroCity Bankshares (MCBS) Stock Price, News & Analysis

Company Overview

MetroCity Bankshares, Inc. is the bank holding company for Metro City Bank, a community bank headquartered in Doraville, Georgia. Founded in 2006, Metro City Bank primarily serves small and medium-sized businesses, entrepreneurs and individuals, with a particular focus on Korean American and other immigrant communities.

The bank provides a range of traditional financial services, including commercial and residential real estate lending, commercial and industrial loans, small business lending, consumer loans, checking and savings accounts, certificates of deposit, and other deposit products. It also offers digital banking and treasury management services designed to support business customers.

Metro City Bank operates a network of full-service banking offices in Georgia, Alabama, Florida, Texas and Virginia. Through its community-focused model, the bank emphasizes relationship banking and customized lending and deposit solutions for businesses and consumers in the markets it serves.

Key Stats

• Today's Range: $34.34 to $34.91
• 50-Day Range: $34.45 to $36.57
• 52-Week Range: $24.53 to $37.46
• Volume: 90,691 shs
• Average Volume: 86,383 shs
• Market Capitalization: $1.00 billion
• P/E Ratio: 12.08
• Dividend Yield: 3.33%
• Price Target: $33.00
• Consensus Rating: Moderate Buy

MetroCity Bankshares Stock Analysis - MarketRank™

MetroCity Bankshares scored higher than 22% of companies evaluated by MarketBeat, and ranked 749th out of 836 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

MetroCity Bankshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Downside Risk

MetroCity Bankshares has a consensus price target of $33.00, representing about 5.2% downside from its current price of $34.80.

Amount of Analyst Coverage

MetroCity Bankshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of MetroCity Bankshares is 12.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of MetroCity Bankshares is 12.08, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.95.

Price to Book Value per Share Ratio

MetroCity Bankshares has a P/B Ratio of 1.63. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.60% of the float of MetroCity Bankshares has been sold short.

Short Interest Ratio / Days to Cover

MetroCity Bankshares has a short interest ratio ("days to cover") of 13.13, which indicates bearish sentiment.

Change versus previous month

Short interest in MetroCity Bankshares has recently increased by 4.62%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MetroCity Bankshares pays a meaningful dividend of 3.32%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

MetroCity Bankshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of MetroCity Bankshares is 40.28%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, MetroCity Bankshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

20.24% of the stock of MetroCity Bankshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

25.33% of the stock of MetroCity Bankshares is held by institutions.

Company Calendar

• Last Earnings: 7/24/2026
• Record date for 8/7 Dividend: 7/29/2026
• Ex-Dividend for 8/7 Dividend: 7/29/2026
• Dividend Payable: 8/07/2026
• Today: 9/24/2026
• Next Earnings (Estimated): 10/16/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:MCBS
• CIK: 1747068
• Web: www.metrocitybank.com
• Phone: (770) 455-4989
• Fax: N/A
• Employees: 317
• Year Founded: 2006

Price Target and Rating

• Average Price Target for MetroCity Bankshares: $33.00
• High Price Target: $33.00
• Low Price Target: $33.00
• Potential Upside/Downside: -5.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.88
• Trailing P/E Ratio: 12.08
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $68.53 million
• Net Margins: 28.40%
• Pretax Margin: 38.26%
• Return on Equity: 15.16%
• Return on Assets: 1.82%

Debt

• Debt-to-Equity Ratio: 0.66
• Current Ratio: 1.21
• Quick Ratio: 1.21

Sales & Book Value

• Annual Sales: $180.14 million
• Price / Sales: 5.56
• Cash Flow: $2.81 per share
• Price / Cash Flow: 12.39
• Book Value: $21.36 per share
• Price / Book: 1.63

Miscellaneous

• Outstanding Shares: 28,781,000
• Free Float: 22,956,000
• Market Cap: $1.00 billion
• Optionable: Optionable
• Beta: 0.68