Is MetroCity Bankshares, Inc. (MCBS) Overvalued?
We dive into why MetroCity Bankshares, Inc. (MCBS) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier’s checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.
Commentary & Analysis
Why MetroCity Bankshares, Inc.’s (MCBS) Stock Is Down 6.97%
As of Monday, July 27, MetroCity Bankshares, Inc.’s MCBS share price has dipped by 6.97%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About MetroCity Bankshares, Inc.'s Q3 Earnings
MetroCity Bankshares, Inc.'s fiscal Q3 earnings report was released on Friday, July 24. Let's dive in to see if (MCBS) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About MetroCity Bankshares, Inc.'s Q2 Earnings
MetroCity Bankshares, Inc.'s fiscal Q2 earnings report was released on Friday, April 24. Let's dive in to see if (MCBS) missed or beat analyst's expectations.Michael Rose
What You Need to Know About MetroCity Bankshares, Inc.'s Q1 Earnings
MetroCity Bankshares, Inc.'s fiscal Q1 earnings report was released on Friday, January 30. Let's dive in to see if (MCBS) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | MCBS | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,021.4 | $751.0 | 45% |
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| Shares Out (Mil) | 28.9 | 15.4 | 36% |
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| Institutional Ownership | 53.4% | 83.2% | 37% |
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| Float (Mil) | 22.0 | 21.8 | 30% |
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| Beta | 0.69 | 0.43 | 41% |
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| Avg Daily Volume (000s) | 68 | 42 | 31% |
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| Price Change (52-week) |
24.9% | 94.6% | 65% |
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| Growth | MCBS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.6% | 7.7% | 64% |
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| Net Income (5yr) | 13.5% | 11.1% | 61% |
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| EPS (5yr) | 13.4% | 10.1% | 53 |
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| Dividends (5yr) | 19.1% | 3.6% | 80% |
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| Cash Flow (5yr) | 25.1% | (17.1%) | 83% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.840 | $3.250 | $3.270 | |
| Month Ago EPS | na | $3.270 | $3.310 | |
| # Rev Up | na | 0 | 0 | |
| # Rev Down | na | 1 | 1 | |
| Three Months Ago EPS | $0.840 | $3.280 | $3.300 | |
| Year/Year Chg | 10.5% | 23.1% | na | |
| Financials | MCBS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $185 | $196 | 31% |
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| Net Income (TTM) (Mil) | $80 | $55 | 59% |
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| EPS (TTM) | $2.915 | $2.600 | 78% |
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| Operating Cash Flow (TTM) (Mil) | $82 | $36 | 50% |
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| Net Cash Flow (TTM) (Mil) | ($19) | $2 | 26% |
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| Long-Term Debt (Q1) (Mil) | $387 | $101 | 56% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | MCBS | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.80 | 1.25 | 46% |
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| P/E | 12.3 | 12.5 | 26% |
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| Dividend Yield | 3.3% | 2.2% | 87% |
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| PEG (5yr hist) | 0.9 | 1.1 | 43% |
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| Ratios | MCBS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 43.3% | 29.1% | 95% |
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| ROA | 2.0% | 1.1% | 56% |
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| ROE | 15.9% | 11.3% | 73% |
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| Liabilities to Assets | 87.4% | 89.7% | 81% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
