MCBS
MetroCity Bankshares, Inc.
Financial Services · Banks - Regional · NMS
$32.78
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$939.5M
Trailing P/E
11.79
Forward P/E
9.93
Rev Growth
+44.0%
Profit Margin
43.4%
ROE
15.2%
Analyst Target
$35.00
Recommendation
NONE
About MetroCity Bankshares, Inc.

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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 84.0
Score Combined: 61.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality88.7
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: SILVER · Score: 55.5 · Rank: #800
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$984.7M
Price/Book
1.73
Beta
0.723
Analysts
1
Total Revenue (TTM)
$171.7M
Total Debt
$439.8M
Earnings Growth
+22.2%
Dividend Yield
317.0%
Short Ratio
5.34
Short % Float
0.0%
Employees
317

Elite Intelligence

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Trade Consideration
The Opportunity
Score 61.1 (P96 — top 3.6% of scored tickers). Unknown Moat. Ethical FAIL. 1 analysts at None.
Price: $32.78 | Target: $35.00 (+7%)
Score
61
Moat
Unknown
Conviction
Standard
Upside
+7%
The Fundamentals
Revenue Growth+44.0%
Profit Margin43.4%
ROE15.2%
Forward P/E9.9
Market Cap$939.5M
Position Sizing Scenarios
Stop: $27.86 (-15%) | Entry: $32.78
SharesCostProfit to TargetR:R
To Consensus ($35.00, 1 analysts)
10$327.80+$22.20 (7%)0.5R
50$1,639.00+$111.00 (7%)0.5R
100$3,278.00+$222.00 (7%)0.5R
Risk Factors
  • Elevated short interest (5.34 days to cover)
The Verdict
MetroCity Bankshares, Inc. holds a unknown competitive moat and is growing revenue at +44.0%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
62.5
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.8%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.0%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.99
above 1.0 is good
Max Drawdown
-28.0%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
60
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.3x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Monday
Worst Day
Thursday
Best Month
Nov
Worst Month
Oct
Fri-Mon Effect
-0.23304140856340855
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.1%
3M Return
+14.4%
6M Return
+27.3%
12M Return
+19.8%
Momentum Rank
#1329
Momentum Signal
UP

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