MetroCity Bankshares, Inc. (MCBS) is a Financials stock trading at $35.60 (as of 2026-08-21), with a market capitalization of $1.02B and a trailing P/E of 12.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and online banking, treasury management, wire transfer, automated clearing house, and cash management services. It serves small to medium-sized businesses, individuals, businesses, municipalities, and other entities. The company operates 19 full-service branch locations in Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia. The company was founded in 2006 and is headquartered in Doraville, Georgia.
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank, which offers consumer and commercial deposit accounts, a range of loans (including mortgages and small business loans), and online banking plus treasury, wire, and cash management services to customers, and it makes money by providing these banking products and services.
The profit model is structurally driven by originating mortgage and other loans and then selling them, where the captured Mortgage Loan Average Sales Premium and Small Business Administration Loan Sales Premium reflect how much value the company realizes from loan sales versus merely originating loans.
Business quality (Solid): Limited detail in the provided dataset (no official reportable segment breakdown and no credit cost or net interest spread metrics), so conviction is constrained to loan production and loan sale premium indicators.
Valuation: At 12× earnings, MCBS trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $35.60 |
| Market Cap | $1.02B |
| P/E Ratio | 12.8 |
| EV / EBITDA | 7.0 |
| Price / Book | 1.80 |
| Price / Sales | 4.22 |
| Dividend Yield | 2.8% |
| FCF Yield | 3.0% |
| DCF Value (model) | $54.40 |
| DCF Upside vs Price | 52.8% |
| Revenue (TTM) | $209.50M |
| Net Margin | 32.7% |
| Return on Equity | 14.1% |
| Revenue Growth (YoY) | 32.2% |
| EPS Growth (YoY) | 16.7% |
| Stock P/E | 12.8 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -15.0% |
| vs Industry | -1.1% |
| Top Institutional Holder | BlackRock, Inc. ($43.10M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Nack Young Paek |
| Employees | 240 |
| Country | US |
| IPO Date | 2019-09-05 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.