MetroCity Bankshares, Inc.
MCBSFinancial ServicesNASDAQBanks - Regional
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Daily timeframeMetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. Valued at $1.04B, MCBS is a small-cap name in its sector. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit.
Market Cap
$1.04B
Beta
0.70
P/E (TTM)
13.09
P/E (Fwd)
10.99
EPS (TTM)
$2.78
EPS (Fwd)
$3.31
ROE
15.2%
ROA
1.8%
Cash
$392.6M
Total Debt
$439.8M
Free CF
—
52W Change
24.2%
Annual Financials
Cash vs Debt
MetroCity Bankshares, Inc. carries $439.8M in total debt against $392.6M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 15.2% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $134.7M to $153.4M.
As with any equity investment, MCBS carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for MetroCity Bankshares, Inc. and its sector.