METROCITY BANKSHARES INC(NASDAQ:MCBS) stock Fundamental Analysis

Fundamental Rating

Overall MCBS gets a fundamental rating of 4 out of 10. We evaluated MCBS against 405 industry peers in the Banks industry. Both the profitability and the financial health of MCBS get a neutral evaluation. Nothing too spectacular is happening here. MCBS is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year MCBS was profitable.

In the past year MCBS had a positive cash flow from operations.

Each year in the past 5 years MCBS has been profitable.

MCBS had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 1.67%, MCBS belongs to the best of the industry, outperforming 93.23% of the companies in the same industry.

MCBS has a Return On Equity of 14.64%. This is amongst the best in the industry. MCBS outperforms 90.98% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.67%
ROE	14.64%
ROIC	N/A

ROA(3y)1.7%

ROA(5y)1.8%

ROE(3y)15.58%

ROE(5y)16.58%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 43.68%, MCBS belongs to the best of the industry, outperforming 98.25% of the companies in the same industry.

MCBS's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for MCBS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	43.68%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.72%

PM growth 5Y0.61%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MCBS does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, MCBS has more shares outstanding

Compared to 5 years ago, MCBS has less shares outstanding

There is no outstanding debt for MCBS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

MCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC11.86%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

MCBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.26%, which is quite impressive.

The Earnings Per Share has been growing slightly by 7.58% on average over the past years.

Looking at the last year, MCBS shows a quite strong growth in Revenue. The Revenue has grown by 17.99% in the last year.

Measured over the past years, MCBS shows a small growth in Revenue. The Revenue has been growing by 6.95% on average per year.

EPS 1Y (TTM)24.26%

EPS 3Y1.51%

EPS 5Y7.58%

EPS Q2Q%43.18%

Revenue 1Y (TTM)17.99%

Revenue growth 3Y0.77%

Revenue growth 5Y6.95%

Sales Q2Q%14.75%

3.2 Future

MCBS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.92% yearly.

The Revenue is expected to grow by 5.67% on average over the next years.

EPS Next Y4.15%

EPS Next 2Y5.92%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.61%

Revenue Next 2Y5.67%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

MCBS is valuated reasonably with a Price/Earnings ratio of 11.96.

Based on the Price/Earnings ratio, MCBS is valued a bit cheaper than 60.15% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.62, MCBS is valued rather cheaply.

A Price/Forward Earnings ratio of 11.49 indicates a reasonable valuation of MCBS.

MCBS's Price/Forward Earnings ratio is in line with the industry average.

MCBS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.96
Fwd PE	11.49

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MCBS indicates a slightly more expensive valuation: MCBS is more expensive than 70.68% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	22.35
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.88

PEG (5Y)1.58

EPS Next 2Y5.92%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

MCBS has a Yearly Dividend Yield of 3.01%.

MCBS's Dividend Yield is comparable with the industry average which is at 3.19.

MCBS's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	3.01%

5.2 History

MCBS has been paying a dividend for at least 10 years, so it has a reliable track record.

MCBS has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)N/A

Div Incr Years8

Div Non Decr Years8

5.3 Sustainability

MCBS pays out 33.09% of its income as dividend. This is a sustainable payout ratio.

DP33.09%

EPS Next 2Y5.92%

EPS Next 3YN/A

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METROCITY BANKSHARES INC

NASDAQ:MCBS (2/21/2025, 8:00:01 PM)

After market: 30.03 0 (0%)

30.03

-0.58 (-1.89%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/bmo

Earnings (Next)04-17 2025-04-17/bmo

Inst Owners24.55%

Inst Owner Change-90.46%

Ins Owners26.46%

Ins Owner Change0.13%

Market Cap762.76M

Analysts43.33

Price Target36.72 (22.28%)

Short Float %0.56%

Short Ratio2.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.01%

Yearly Dividend0.72

Dividend Growth(5Y)N/A

DP33.09%

Div Incr Years8

Div Non Decr Years8

Ex-Date01-29 2025-01-29 (0.23)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)4.22%

Min EPS beat(2)-1.05%

Max EPS beat(2)9.49%

EPS beat(4)2

Avg EPS beat(4)0.89%

Min EPS beat(4)-10.13%

Max EPS beat(4)9.49%

EPS beat(8)4

Avg EPS beat(8)0.08%

EPS beat(12)6

Avg EPS beat(12)-0.63%

EPS beat(16)10

Avg EPS beat(16)1.8%

Revenue beat(2)1

Avg Revenue beat(2)2.11%

Min Revenue beat(2)-0.05%

Max Revenue beat(2)4.28%

Revenue beat(4)3

Avg Revenue beat(4)2.88%

Min Revenue beat(4)-0.05%

Max Revenue beat(4)5.33%

Revenue beat(8)5

Avg Revenue beat(8)-0.37%

Revenue beat(12)6

Avg Revenue beat(12)-1.34%

Revenue beat(16)10

Avg Revenue beat(16)0.68%

PT rev (1m)0%

PT rev (3m)12.5%

EPS NQ rev (1m)0.82%

EPS NQ rev (3m)0.82%

EPS NY rev (1m)-1.42%

EPS NY rev (3m)-1.42%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.21%

Revenue NY rev (3m)0.21%

Valuation

		Industry Rank	Sector Rank
PE	11.96
Fwd PE	11.49
P/S	5.59
P/FCF	22.35
P/OCF	21.23
P/B	1.87
P/tB	1.91
EV/EBITDA	N/A

EPS(TTM)2.51

EY8.36%

EPS(NY)2.61

Fwd EY8.71%

FCF(TTM)1.34

FCFY4.47%

OCF(TTM)1.41

OCFY4.71%

SpS5.37

BVpS16.03

TBVpS15.69

PEG (NY)2.88

PEG (5Y)1.58

Profitability

		Industry Rank	Sector Rank
ROA	1.67%
ROE	14.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.68%
GM	N/A
FCFM	25%

ROA(3y)1.7%

ROA(5y)1.8%

ROE(3y)15.58%

ROE(5y)16.58%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.72%

PM growth 5Y0.61%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	62.63%
Cap/Sales	1.32%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	57.23%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC11.86%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)24.26%

EPS 3Y1.51%

EPS 5Y7.58%

EPS Q2Q%43.18%

EPS Next Y4.15%

EPS Next 2Y5.92%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)17.99%

Revenue growth 3Y0.77%

Revenue growth 5Y6.95%

Sales Q2Q%14.75%

Revenue Next Year3.61%

Revenue Next 2Y5.67%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-55.4%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-55.92%

OCF growth 3YN/A

OCF growth 5YN/A

METROCITY BANKSHARES INC (MCBS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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