MetroCity Bankshares (MCBS) Stock Price, News & Analysis

Company Overview

MetroCity Bankshares, Inc. is a bank holding company headquartered in Houston, Texas. Through its wholly owned subsidiary, MetroCity Bank, the company provides a range of banking and financial services to individuals and businesses. MetroCity Bankshares focuses on community banking, leveraging local expertise to support the financial needs of the greater Houston metropolitan area.

MetroCity Bank offers traditional deposit products, including checking and savings accounts, money market accounts and certificates of deposit. On the lending side, the bank provides residential mortgage loans, commercial real estate financing, construction loans and installment loans. Clients also have access to treasury management services, online and mobile banking platforms, wire transfers and automated clearinghouse (ACH) origination.

Since opening its doors in Houston in 2014, MetroCity Bank has emphasized personalized service and relationship banking. The company caters to a diverse customer base, including small- and medium-sized enterprises, professionals and retail clients. MetroCity Bankshares’ team of local banking professionals brings industry experience in commercial lending, real estate finance and deposit operations.

As a Nasdaq‐listed company, MetroCity Bankshares seeks to balance community focus with prudent growth strategies. The bank’s Texas-centric footprint positions it to capitalize on regional economic expansion while maintaining close ties with local customers and business leaders.

Key Stats

• Today's Range: $29.23 to $30.24
• 50-Day Range: $26.90 to $30.53
• 52-Week Range: $24.24 to $36.15
• Volume: 35,892 shs
• Average Volume: 29,878 shs
• Market Capitalization: $753.17 million
• P/E Ratio: 11.52
• Dividend Yield: 3.39%
• Price Target: $34.00
• Consensus Rating: Hold

MetroCity Bankshares Stock Analysis - MarketRank™

MetroCity Bankshares scored higher than 69% of companies evaluated by MarketBeat, and ranked 437th out of 925 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: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

MetroCity Bankshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

MetroCity Bankshares has a consensus price target of $34.00, representing about 15.3% upside from its current price of $29.49.

Amount of Analyst Coverage

MetroCity Bankshares has received no research coverage 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 11.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.08.

Price to Earnings Ratio vs. Sector

The P/E ratio of MetroCity Bankshares is 11.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.42.

Price to Book Value per Share Ratio

MetroCity Bankshares has a P/B Ratio of 1.77. 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

1.13% 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 5.2.

Change versus previous month

Short interest in MetroCity Bankshares has recently increased by 5.18%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

MetroCity Bankshares pays a meaningful dividend of 3.39%, 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 39.06%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: 2.3 / 5
• Environmental Score: -0.94

Percentage of Shares Shorted

1.13% 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 5.2.

Change versus previous month

Short interest in MetroCity Bankshares has recently increased by 5.18%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.90

News Sentiment

MetroCity Bankshares has a news sentiment score of 0.90. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for MetroCity Bankshares this week, compared to 1 article on an average week.

Search Interest

2 people have searched for MCBS on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 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

27.49% 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

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

MCBS Stock Analysis - Frequently Asked Questions

How have MCBS shares performed this year?

MetroCity Bankshares' stock was trading at $31.95 at the beginning of 2025. Since then, MCBS shares have decreased by 7.7% and is now trading at $29.49.

How were MetroCity Bankshares' earnings last quarter?

MetroCity Bankshares, Inc. (NASDAQ:MCBS) issued its earnings results on Friday, July, 18th. The company reported $0.65 EPS for the quarter, topping the consensus estimate of $0.63 by $0.02. The company had revenue of $37.91 million for the quarter, compared to analysts' expectations of $36.10 million. MetroCity Bankshares had a net margin of 27.98% and a trailing twelve-month return on equity of 15.61%.

When did MetroCity Bankshares IPO?

MetroCity Bankshares (MCBS) raised $28 million in an initial public offering on Thursday, October 3rd 2019. The company issued 1,900,000 shares at a price of $14.50-$15.50 per share. Keefe, Bruyette & Woods (A Stifel Company) and Raymond James acted as the underwriters for the IPO and Hovde Group was co-manager.

Who are MetroCity Bankshares' major shareholders?

Top institutional shareholders of MetroCity Bankshares include Geode Capital Management LLC (1.75%), American Century Companies Inc. (1.70%), The Manufacturers Life Insurance Company (0.84%) and Osaic Holdings Inc. (0.23%). Insiders that own company stock include Nack Y Paek, Farid Tan, Farid Tan, Don Leung, Ajit A Patel, Sam Sang-Koo Shim and William J Hungeling.
View institutional ownership trends.

How do I buy shares of MetroCity Bankshares?

Shares of MCBS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of MetroCity Bankshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that MetroCity Bankshares investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA), JPMorgan Chase & Co. (JPM) and First Solar (FSLR).

Company Calendar

• Last Earnings: 7/18/2025
• Record date for 8/8 Dividend: 7/30/2025
• Ex-Dividend for 8/8 Dividend: 7/30/2025
• Dividend Payable: 8/08/2025
• Today: 9/06/2025
• Next Earnings (Estimated): 10/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:MCBS
• CIK: 1747068
• Web: www.metrocitybank.bank
• Phone: (770) 455-4989
• Fax: N/A
• Employees: 220
• Year Founded: N/A

Price Target and Rating

• Average Price Target for MetroCity Bankshares: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: +15.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.56
• Trailing P/E Ratio: 11.52
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $64.50 million
• Net Margins: 27.98%
• Pretax Margin: 37.80%
• Return on Equity: 15.61%
• Return on Assets: 1.83%

Debt

• Debt-to-Equity Ratio: 0.97
• Current Ratio: 1.27
• Quick Ratio: 1.26

Sales & Book Value

• Annual Sales: $235.98 million
• Price / Sales: 3.19
• Cash Flow: $2.66 per share
• Price / Cash Flow: 11.07
• Book Value: $16.63 per share
• Price / Book: 1.77

Miscellaneous

• Outstanding Shares: 25,540,000
• Free Float: 18,518,000
• Market Cap: $753.17 million
• Optionable: Optionable
• Beta: 0.67