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MetroCity Bankshares(NASDAQ) MCBS

Current Price$35.93
Market Cap$1.03BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+708%
5 Year+130%
1 Year+22%
1 Month+5%
MetroCity Bankshares last closing stock price
MetricPriceDate
Last closeUSD 35.942026-07-22
MetroCity Bankshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.31%USD 35.832026-07-15
1 month+5.21%USD 34.162026-06-22
3 month+14.82%USD 31.302026-04-23
Year to date+37.79%USD 26.082025-12-31
1 year+22.33%USD 29.382025-07-22
3 year+97.93%USD 18.162023-07-21
5 year+130.21%USD 15.612021-07-23
Since inception+708.29%USD 4.492017-01-19

MetroCity Bankshares Financials at a Glance

Market Cap

$1.03BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$251.84M

Net Income (TTM)

$74.72M

EPS (TTM)

$2.77

P/E Ratio

12.95

Dividend

$1.04

Beta (Volatility)

0.88 (Low)

Price

$35.93

Volume

2,761

Open

$35.74

Previous Close

$35.93

Daily Range

$35.60 - $36.03

52-Week Range

$24.53 - $37.46

Estimated Earnings Date

Jul 21, 2026

MCBS News

No articles available.

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About MetroCity Bankshares

MetroCity helps small business owners and individuals manage their money through everyday banking. The bank provides loans and accounts specifically for people in diverse, multi-ethnic communities. It makes banking easier by offering services in many different languages to fit its customers' needs.

What MetroCity Offers

  • Residential Real Estate: Home loans for individuals; accounts for 58.3% of the total loan portfolio as of December 31, 2025.
  • Commercial Real Estate: Loans for business properties like hotels, retail stores, and warehouses; makes up 38.3% of the total loan portfolio.
  • Commercial and Industrial: Working capital and equipment loans for small businesses; represents 2.4% of the total loan portfolio.
  • Construction and Development: Funding for building new projects like offices and hotels; accounts for 1.0% of the total loan portfolio.
  • Business Services: Government-backed Small Business Administration loans and treasury management tools for growing companies.

Expansion and Strategic Moves

  • Completed the acquisition of First IC Corporation on December 1, 2025, for approximately $202.3 million.
  • Expanded its footprint to 29 full-service branches across eight states, including New York, Texas, and California.
  • Integrated $239.8 million in Small Business Administration loans serviced for others through the First IC deal.
  • Sold $310.2 million in residential mortgage loans to third-party investors during 2025.

A Specialized Way to Bank

MetroCity uses a culturally competent approach by hiring staff who speak the specific languages of the communities they serve. The bank maintains a growth model that focuses on opening low-cost branches in vibrant metropolitan markets.

The Latest Financial Facts

  • Revenue reached $71 million in Q1 2026, up 22.4% from $58 million in Q1 2025.
  • Net income rose to $22.3 million in Q1 2026, a 36.9% increase year-over-year.
  • Total assets reached $4.77 billion as of December 31, 2025.
  • Core deposits made up 75.2% of the $3.65 billion total deposit base at the end of 2025.
  • Operating income hit $23.9 million in Q1 2026, up 8.1% from the previous year.

Bottom Line

MetroCity has evolved from a local Georgia lender into a multi-state institution serving specialized ethnic niche markets. Its recent acquisition of First IC and disciplined branch expansion have significantly increased its total assets and deposit base.

AI Generated • May 2, 2026

Industry

Banks

Sector

Financials

Employees

317

CEO

Nack Y. Paek, MBA

Website

www.metrocitybank.bank

Headquarters

Doraville, GA 30340, US

MCBS Financials

Key Financial Metrics (TTM)

Gross Margin

62.49%

Operating Margin

37.61%

Net Income Margin

29.67%

Return on Equity

15.09%

Return on Capital

8.57%

Return on Assets

1.59%

Earnings Yield

7.72%

Dividend Yield

2.89%

Payout Ratio

35.07%

Stock Overview

Market Cap

$1.03BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

28.66M

Volume

2.76K

Avg. Volume

84.56K

Financials (TTM)

Gross Profit

$157.37M

Operating Income

$94.72M

EBITDA

$96.54M

Operating Cash Flow

$66.18M

Capital Expenditure

-$604.00K

Free Cash Flow

$65.57M

Cash & ST Invst.

$400.57M

Total Debt

$439.52M

MetroCity Bankshares Performance Analysis

MetroCity Bankshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 166,424,00016.8%
20232023-12-31USD 210,996,00026.8%
20242024-12-31USD 235,941,00011.8%
20252025-12-31USD 245,666,0004.1%
MetroCity Bankshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.1%
Q32025-09-300.7%
Q42025-12-311.2%
Q12026-03-3116.6%
MetroCity Bankshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.441.9%
20232023-12-31USD 2.02-17.0%
20242024-12-31USD 2.5224.7%
20252025-12-31USD 2.644.5%
MetroCity Bankshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.2%
Q32025-09-303.1%
Q42025-12-311.5%
Q12026-03-3113.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$70.99M

+22.4%

Gross Profit

$44.49M

+23.5%

Gross Margin

62.67%

N/A

Market Cap

$1.03BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$3.25M

N/A

Employees

317

N/A

Net Income

$22.31M

+36.9%

EBITDA

$23.86M

+4.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$400.57M

+39.2%

Total Debt

$439.52M

+1.5%

Accounts Receivable

$20.30M

+23.0%

Inventory

$0.00

N/A

Long Term Debt

$436.59M

+0.8%

Short Term Debt

$2.92M

+40.2%

Return on Assets

1.59%

N/A

Return on Invested Capital

2.02%

N/A

Free Cash Flow

$35.02M

+195.8%

Operating Cash Flow

$35.02M

+194.0%

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Questions About MCBS

What is the current price of MetroCity Bankshares?

MetroCity Bankshares is trading at $35.93 per share.

What is the 52-week range for MetroCity Bankshares?

Over the past 52 weeks, MetroCity Bankshares has traded between $24.53 and $37.46.

How much debt does MetroCity Bankshares have?

As of the most recent reporting period, MetroCity Bankshares reported total debt of $439.52M.

How much cash does MetroCity Bankshares have on hand?

MetroCity Bankshares does not have cash on hand data available.

What is MetroCity Bankshares’s dividend yield?

MetroCity Bankshares currently has a dividend yield of 2.89%.

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