MCBS · MetroCity Bankshares, Inc.
$35.74
+0.31 (+0.87%)
At close · Oct 23
Return incl. dividend (before tax)
Market Cap
$1.02B
Shares
28.78M
Volume · Oct 23
111.37K
Avg daily vol (3M)
87.09K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.43
Open$34.51
Day$34.51–35.61
52W close$24.71–37.07
Avg vol 30d101K
Short int843K · 2.9% float · 9.2d
Short vol56%
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
filed Aug 7, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$182.35M
Trailing 12 months
Net income (TTM)
$79.85M
Trailing 12 months
Revenue growth YoY
+31.3%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
12.3
Trailing earnings · reciprocal yield 8.2%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$266.69M
Latest balance sheet
Dividend yield
3.0%
Trailing 12 months
Shares change YoY
+12.6%
Year over year · more shares
Price change (1Y)
+33.8%
Trailing year
Short interest
2.9%
Latest settlement · 9.2 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 19 · elevated
Equity put/call 0.69
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+1%
above
RSI (14)
56
neutral
MACD trend
Positive
52-week position
87%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+9%
trailing
YTD return
+34%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $35 › 200d $32 — 50d above 200d
Institutional flow
Distributing
19 of 118 funds reported for Sep 30 · net -257 sh shares · +3 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.93% of float · ▲ +2.0% MoM · 9.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
118 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+5%
Y/Y
Free cash flow
$37.0M
Valuation
P/E 12.3
in line
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−9%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
56
Neutral
MACD trend
Positive
Bullish
52-week position
87%
Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $35 › 200d $32 — 50d above 200d
Institutional flow
Distributing
19 of 118 funds reported for Sep 30 · net -257 sh shares · +3 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.93% of float · ▲ +2.0% MoM · 9.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
118 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $25
Now $35 · 87%
Range high $37
vs 200-day avg +9%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to loans held for investment | 0.65% | the three months ended June 30, 2026 filing | — |
| ACL to nonperforming loans | 114.63% | the three months ended June 30, 2026 filing | — |
| Adjusted return on average equity non-GAAP | 16.17% | the three months ended June 30, 2026 filing | — |
| Common equity tier 1 ratio | 17.15% | the three months ended June 30, 2026 filing | — |
| Cost of average interest bearing liabilities | 3.36% | the three months ended June 30, 2026 filing | — |
| Cost of deposits | 3.24% | the three months ended June 30, 2026 filing | — |
| Gross loans held for investment to deposits | 114.16% | the three months ended June 30, 2026 filing | — |
| Leverage ratio | 11.08% | the three months ended June 30, 2026 filing | — |
| Net interest margin | 4.11% | the three months ended June 30, 2026 filing | — |
| Noninterest bearing deposits to deposits | 22.44% | the three months ended June 30, 2026 filing | — |
| Nonperforming assets to gross loans and OREO | 0.6% | the three months ended June 30, 2026 filing | — |
| Operating efficiency ratio non-GAAP | 39.54% | three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Efficiency ratio (GAAP) 40.08%
-0.54% Impact of First IC-merger related expenses included in noninterest expense
= Operating efficiency ratio 39.54%
|
|||
| Return on average assets | 1.96% | the three months ended June 30, 2026 filing | — |
| Return on average equity | 16.01% | the three months ended June 30, 2026 filing | — |
| Tier 1 risk-based capital ratio | 17.15% | the three months ended June 30, 2026 filing | — |
| Total risk-based capital ratio | 18.05% | the three months ended June 30, 2026 filing | — |
| Yield on average earning assets | 6.57% | the three months ended June 30, 2026 filing | — |
| Yield on total loans | 6.75% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MCBS
this stock
MetroCity Bankshares, Inc.
|
$1.02B | +33.5% | — | 12.3 | 2.9% |
|
MFG
Mizuho Financial Group Inc
|
$117.22B | +32.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.33B | -38.6% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$107.48B | +0.5% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$104.60B | +32.5% | — | — | 0.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
SEC Filings
Latest
8-K
- Filed
- Oct 21, 2026
- This year
- 15
MetroCity Bankshares, Inc. declared a quarterly cash dividend of $0.31 per share on its common stock, payable November 13, 2026 to shareholders of record as of November 4, 2026.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MCBS | +1.9% | +1.8% | +9.2% | +3.4% | +33.5% |
| SPY | -1.0% | -0.4% | +6.0% | +0.2% | +12.0% |
| vs SPY | +2.9% | +2.2% | +3.2% | +3.2% | +21.5% |
Capital returns
Latest dividend
$0.29
/ share · ex Jul 29, 2026
Declared · upcoming
$0.31
/ share · ex Nov 4, 2026
Paid (TTM)
$1.08
/ share · 4 payouts
Dividend yield (TTM, derived)
3.05%
Buyback program
· as of Apr 21, 2021
Authorized
shares 1.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1747068
CUSIP
59165J105
13F (30d)
19 filings
19 filers
Visit website
Investor relations