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MetroCity Bankshares, Inc. MCBS

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Price alert · MCBS

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36.54 USD +0.72 (+2.02%)

Nov 4, 2026, 1:48 PM EST

36.27 Day range 37.05
24.53 52-week range 37.46
YTD
+37.66%
1 year
+41.88%

Financial health

Altman Z-Score

-0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 9.9×
FY 2016: 7.0×FY 2017: 7.4×FY 2018: 7.2×FY 2019: 9.6×FY 2020: 10.2×FY 2021: 11.4×FY 2022: 8.4×FY 2023: 11.7×FY 2024: 12.5×FY 2025: 9.9×
FY 2016 5y median 11.4× FY 2025
P/S 2.9×
FY 2016: 2.2×FY 2017: 2.5×FY 2018: 2.8×FY 2019: 3.6×FY 2020: 3.6×FY 2021: 5.1×FY 2022: 3.4×FY 2023: 2.9×FY 2024: 3.4×FY 2025: 2.9×
FY 2016 5y median 3.4× FY 2025
P/B 1.3×
FY 2016: 1.3×FY 2017: 1.7×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 1.5×FY 2021: 2.4×FY 2022: 1.6×FY 2023: 1.6×FY 2024: 1.9×FY 2025: 1.3×
FY 2016 5y median 1.6× FY 2025
P/FCF 5.0×
FY 2016: -1.0×FY 2017: 1.6×FY 2018: -1.8×FY 2019: 13.8×FY 2020: 2.6×FY 2021: 10.8×FY 2022: 4.2×FY 2023: 7.8×FY 2024: 13.0×FY 2025: 5.0×
FY 2016 5y median 7.8× FY 2025
EV/EBITDA 9.3×
FY 2016: 5.8×FY 2017: 5.2×FY 2018: 3.1×FY 2019: 3.7×FY 2020: 6.8×FY 2021: 9.2×FY 2022: 8.2×FY 2023: 10.7×FY 2024: 10.6×FY 2025: 9.3×
FY 2016 5y median 9.3× FY 2025
EV/Sales 3.6×
FY 2016: 3.0×FY 2017: 2.9×FY 2018: 1.6×FY 2019: 1.9×FY 2020: 3.4×FY 2021: 5.6×FY 2022: 4.8×FY 2023: 3.8×FY 2024: 4.1×FY 2025: 3.6×
FY 2016 5y median 4.1× FY 2025
FCF Yield 19.9%
FY 2016: -101.5%FY 2017: 62.1%FY 2018: -54.7%FY 2019: 7.2%FY 2020: 38.4%FY 2021: 9.2%FY 2022: 24.1%FY 2023: 12.8%FY 2024: 7.7%FY 2025: 19.9%
FY 2016 5y median 12.8% FY 2025

Profitability

Gross Margin 62.0%
FY 2016: 91.8%FY 2017: 87.4%FY 2018: 85.1%FY 2019: 81.6%FY 2020: 85.5%FY 2021: 91.7%FY 2022: 84.7%FY 2023: 56.4%FY 2024: 59.4%FY 2025: 62.0%
FY 2016 5y median 62.0% FY 2025
Operating Margin 39.2%
FY 2016: 50.8%FY 2017: 53.9%FY 2018: 52.3%FY 2019: 50.3%FY 2020: 47.4%FY 2021: 59.3%FY 2022: 56.2%FY 2023: 34.4%FY 2024: 37.2%FY 2025: 39.2%
FY 2016 5y median 39.2% FY 2025
Net Margin 29.0%
FY 2016: 31.7%FY 2017: 34.3%FY 2018: 38.6%FY 2019: 37.0%FY 2020: 35.3%FY 2021: 44.3%FY 2022: 38.6%FY 2023: 24.7%FY 2024: 27.5%FY 2025: 29.0%
FY 2016 5y median 29.0% FY 2025
ROE 12.6%
FY 2016: 18.8%FY 2017: 23.6%FY 2018: 24.5%FY 2019: 20.6%FY 2020: 14.9%FY 2021: 21.3%FY 2022: 17.9%FY 2023: 13.5%FY 2024: 15.3%FY 2025: 12.6%
FY 2016 5y median 15.3% FY 2025
ROIC 12.8%
FY 2016: 8.8%FY 2017: 11.9%FY 2018: 22.1%FY 2019: 13.8%FY 2020: 8.7%FY 2021: 7.3%FY 2022: 8.3%FY 2023: 6.7%FY 2024: 7.6%FY 2025: 12.8%
FY 2016 5y median 7.6% FY 2025
ROA 1.4%
FY 2016: 1.8%FY 2017: 2.5%FY 2018: 2.9%FY 2019: 2.7%FY 2020: 1.9%FY 2021: 2.0%FY 2022: 1.8%FY 2023: 1.5%FY 2024: 1.8%FY 2025: 1.4%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 1.1%
FY 2016: 34.0%FY 2017: 45.6%FY 2018: 15.2%FY 2019: 13.0%FY 2020: -14.9%FY 2021: 35.2%FY 2022: 16.6%FY 2023: 29.0%FY 2024: 12.0%FY 2025: 1.1%
FY 2016 FY 2025
Operating Income 6.4%
FY 2016: 24.5%FY 2017: 54.4%FY 2018: 11.9%FY 2019: 8.7%FY 2020: -19.9%FY 2021: 69.4%FY 2022: 10.4%FY 2023: -21.1%FY 2024: 21.3%FY 2025: 6.4%
FY 2016 FY 2025
EPS (diluted) 4.8%
FY 2016: 22.9%FY 2017: 53.5%FY 2018: 28.0%FY 2019: 7.1%FY 2020: -22.1%FY 2021: 69.5%FY 2022: 6.7%FY 2023: -20.8%FY 2024: 24.8%FY 2025: 4.8%
FY 2016 FY 2025
Free Cash Flow 120.2%
FY 2016: -1162.5%FY 2017: 201.3%FY 2018: -212.3%FY 2019: 119.0%FY 2020: 356.6%FY 2021: -54.2%FY 2022: 103.4%FY 2023: -41.7%FY 2024: -19.4%FY 2025: 120.2%
FY 2016 FY 2025

Financial Health

Current Ratio 28.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 28.6×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 28.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 28.6×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 1.0×
FY 2016: 1.1×FY 2017: 0.9×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 1.8×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 1.8×
FY 2016: 1.5×FY 2017: 0.6×FY 2018: -2.2×FY 2019: -3.1×FY 2020: -0.4×FY 2021: 0.9×FY 2022: 2.5×FY 2023: 2.6×FY 2024: 1.6×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
Interest Coverage 1.0×
FY 2016: 6.2×FY 2017: 5.8×FY 2018: 3.8×FY 2019: 2.7×FY 2020: 4.2×FY 2021: 18.1×FY 2022: 3.3×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 2.7%FY 2017: 2.3%FY 2018: 3.1%FY 2019: 2.4%FY 2020: 2.8%FY 2021: 1.7%FY 2022: 2.8%FY 2023: 3.0%FY 2024: 2.6%FY 2025: 3.6%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 36.2%
FY 2016: 18.6%FY 2017: 16.9%FY 2018: 22.5%FY 2019: 23.2%FY 2020: 28.3%FY 2021: 19.1%FY 2022: 24.4%FY 2023: 35.3%FY 2024: 32.6%FY 2025: 36.2%
FY 2016 5y median 32.6% FY 2025

Annual · latest fiscal year ends 2025-12-31