METROCITY BANKSHARES INC (MCBS)
Financials · Community Banking · NASDAQ
A multi-state community bank focused on retail and commercial lending with significant real estate exposure and operations across the Southeast and Mid-Atlantic regions.
What METROCITY BANKSHARES INC does
MetroCity Bankshares, Inc. is a bank holding company with a wholly owned subsidiary, Metro City Bank, that provides commercial and retail banking services to customers across Alabama, Florida, Georgia, New Jersey, New York, Texas, and Virginia. The company offers traditional banking products including deposit accounts, commercial and consumer loans, and related financial services to both commercial and retail customers in its primary market areas.
Themes: ["Community banking","Multi-market retail and commercial banking","Real estate lending","Deposit gathering","Digital banking transformation"]
Fundamentals
- Price$35.54 as of 2026-07-09 close
- Market cap$1.0B as of 2026-07-10
- 1-year return+18.8% as of 2026-07-09 close
- P/E13.73 as of 2026-07-10
- Net margin+45.1% as of 2026-07-10
- ROE+15.1% as of 2026-07-10
- Debt / equity0.00 as of 2026-07-10
- Revenue growth (YoY)+35.4% as of 2026-07-10
- Beta0.69 as of 2026-07-10
Dividend: yield +3.3%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration of loan portfolio in real estate loans exposes the company to weakness in residential and commercial real estate markets, collateral value fluctuations, and secondary mortgage market volatility.","Intense competition from larger national and regional banks, credit unions (which benefit from tax exemptions), and emerging fintech companies and alternative payment providers threatens market share and margin pressure.","Sensitivity to economic conditions, interest rate changes, inflation, and potential recession in primary markets could reduce loan demand, increase deposit costs, compress net interest margins, and deteriorate credit quality."]
Competitors & peers
- National banks (larger regional and national competitors not specified by name in filing)
- Regional banks operating in the Southeast and Mid-Atlantic
- Credit unions
- Community banks serving distinct ethnic communities
- Fintech companies and alternative payment providers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.