MetroCity Bankshares (MCBS) Stock Price, News & Analysis

Company Overview

MetroCity Bankshares, Inc. is a bank holding company headquartered in the Atlanta metropolitan area. It is the parent company of Metro City Bank, a community bank founded in 2006 that focuses on serving small businesses, entrepreneurs and individuals, with particular expertise in supporting Korean American and other multicultural communities.

Through Metro City Bank, the company offers a range of commercial and retail banking services, including business and consumer deposit accounts, commercial real estate and business lending, residential mortgage lending, personal loans, online banking and other cash-management services. The bank also provides specialized financing for small and middle-market businesses.

Metro City Bank serves customers through a branch network and digital banking platform, with operations concentrated in the southeastern United States and additional locations serving metropolitan communities outside its core Georgia market. The company’s strategy emphasizes relationship-based banking, local market knowledge and community engagement.

Key Stats

• Today's Range: $34.12 to $34.77
• 50-Day Range: $34.20 to $36.34
• 52-Week Range: $24.53 to $37.46
• Volume: 155,517 shs
• Average Volume: 94,239 shs
• Market Capitalization: $992.05 million
• P/E Ratio: 12.03
• Dividend Yield: 3.37%
• Price Target: $33.00
• Consensus Rating: Moderate Buy

MetroCity Bankshares Stock Analysis - MarketRank™

MetroCity Bankshares scored higher than 28% of companies evaluated by MarketBeat, and ranked 739th out of 846 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.

Upside/Downside

The consensus price target for MetroCity Bankshares is close to its current price, suggesting limited near-term upside or downside.

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 12.03, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.79.

Price to Earnings Ratio vs. Sector

The P/E ratio of MetroCity Bankshares is 12.03, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.41.

Price to Book Value per Share Ratio

MetroCity Bankshares has a P/B Ratio of 1.61. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.67% 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 9.15.

Change versus previous month

Short interest in MetroCity Bankshares has recently increased by 2.00%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MetroCity Bankshares pays a meaningful dividend of 3.35%, 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: 2.2 / 5
• News Sentiment: 0.46

News Sentiment

MetroCity Bankshares has a news sentiment score of 0.46. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for MetroCity Bankshares this week, compared to 1 article on an average week.

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: 10/14/2026
• 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: -4.3%
• 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: 12.03
• 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: $246.01 million
• Price / Sales: 4.03
• Cash Flow: $2.82 per share
• Price / Cash Flow: 12.22
• Book Value: $21.36 per share
• Price / Book: 1.61

Miscellaneous

• Outstanding Shares: 28,780,000
• Free Float: 22,956,000
• Market Cap: $992.05 million
• Optionable: Optionable
• Beta: 0.70