METROCITY BANKSHARES INC (MCBS)
Financials · Regional Banks · NASDAQ
MetroCity Bankshares is a community-focused bank holding company with a concentrated portfolio in commercial and residential real estate lending.
What METROCITY BANKSHARES INC does
MetroCity Bankshares, Inc. is a bank holding company that operates through its wholly owned subsidiary, Metro City Bank. The company provides a range of commercial and retail banking products and services, with a significant emphasis on commercial and residential real estate lending.
Themes: community banking, real estate lending
Fundamentals
- Price$34.68 as of 2026-10-08 close
- Market cap$998M as of 2026-08-04 (share count; price 2026-10-08)
- 1-year return+28.7% 2025-10-08 close $26.94 → 2026-10-08 close $34.68
- P/E12.05 as of 2026-10-08
- ROE+12.6% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+35.4% as of 2026-09-03
- Beta0.78 as of 2026-09-03
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.3%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How MCBS compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, MCBS's dividend was covered by reported results (earnings payout 36%, free-cash-flow payout 67%). This describes past coverage, not a forecast.
- Earnings payout36% dividends / net income
- Free-cash-flow payout67% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How METROCITY BANKSHARES INC looks technically
METROCITY BANKSHARES INC (MCBS) is trading 8.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 155 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 8.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $35.29 | $35.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $31.97 | $31.97 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 33.82. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 155 trading days ago — a "golden cross", a bullish long-term signal | 155 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 29.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30) | 45.7 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($33.82 to $35.45) — its "stochastic" reading is 53 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 52.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $37.46 | $37.46 |
|---|---|---|
| From the 52-week high | it is 7.4% below its 52-week high (its highest price of the past year) | -7.4% |
| Above the 52-week low | it is 41.4% above its 52-week low (its lowest price of the past year) | +41.4% |
| Below the 52-week high | it is 7.4% below its highest point of the past year | 7.4% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $37.46 (set on 2026-07-02) | $37.46 |
| Given back of the 52-week move | over the past year its closes ranged ($24.71 to $37.07), and it has given back roughly a quarter of its rise from last year’s low — 19% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $29.04 to $29.43. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.3% |
| From the all-time high | it is 7.4% below its all-time high | -7.4% |
| Nearest price level | it is sitting right on a support level at $34.65 — a price it turned at five times since 2025-01-03, most recently on 2026-09-10. Since 2024-10-08 it has 12 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.1% |
| All-time low | its lowest closing price on record is $8.31 (set on 2020-05-14) | $8.31 |
| Above the all-time low | it is 317.3% above its all-time low | +317.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 88% of it) | 12th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6465 between its high and its low — about 1.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6465 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $34.22 and $35.62 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $34.22 – $34.92 – $35.62 |
| Typical daily range (% of price) | its price moves about 1.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.9% |
| Stretch from the 200-day average | it is trading 4.2 daily ranges above its 200-day average price (8.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.17× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|---|---|
| Gap filled | a 2.4% gap down opened on 2026-07-27 has been "filled" 39 sessions ago — price traded back through the level the gap left behind, and it took 13 sessions to close | 39 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.0 percentage points (the stock lost 2.0% while the market gained 1.0%) | -3.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 4.8 percentage points (the stock lost 1.0% while the market gained 3.8%) | -4.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.5 percentage points (the stock gained 15.9% while the market gained 17.5%) | -1.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 13.8 percentage points (the stock gained 28.7% while the market gained 15.0%) | +13.8% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.7% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.1% of the share price, which is taken to mean a barrier that gives way easily. | -1.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $32.21 — a volume-weighted average of daily closes over 188 sessions, not a true tick-by-tick VWAP. | +7.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-24 (its 8-K), so the typical buyer over that stretch is under water. That average is $35.26 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -1.6% |
Descending triangle, either side — forming · entry $34.96 · 65 sessions in
Price levels it has turned at before
MCBS last closed at $34.68 on 2026-10-08. Since 2024-10-08 it has turned at 12 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $34.65 | Support | 0.1% below the last close | turned there five times · 2025-01-03 to 2026-09-10 |
| $33.74 | Support | 2.7% below the last close | turned there twice · 2026-05-08 to 2026-10-01 |
| $35.74 | Resistance | 3.1% above the last close | turned there five times · 2024-11-11 to 2026-09-04 |
| $33.10 | Support | 4.6% below the last close | turned there 8 times · 2024-10-18 to 2026-07-27 |
| $37.06 | Resistance | 6.9% above the last close | turned there four times · 2026-07-02 to 2026-08-13 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $33.82.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 6 trading days, since 2026-10-01.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · Printed a bullish engulfing pair · Least volatile (2% or less typical daily range) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$38.00 range $38.00 – $38.00
Analyst estimates, as of 2026-10-03. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for MCBS
- Consensus EPS estimate$0.84 next reporting period, as of 2026-10-03
- Estimate change, 30 days$0.00 (0.0%) from $0.84, on 2026-08-29, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of loan portfolio in real estate loans, which makes the company sensitive to fluctuations in real estate market values.","Sensitivity to changes in interest rates, which can impact loan demand, funding costs, and net interest margins.","Risks associated with general economic conditions, including inflation, employment levels, and the potential for economic downturns in the local markets served."]
What changed in the latest 10-Q
AI-assisted comparison of MCBS's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference period change: 'December 31, 2025 through March 31, 2026' and 'three months ended March 31, 2026 and 2025' (newer filing, filed 2026-05-08)
- Added bullet point: 'uncertainties surrounding geopolitical events, trade policy, taxation policy, and monetary policy which continue to impact the outlook for future economic growth, including U.S. imposition of tariffs and consideration of responsive actions by these nations or the expansion of import fees and tariffs among a larger group of nations, which is bringing greater ambiguity to the outlook for future economic growth' (newer filing, filed 2026-05-08)
- Removed:
- Removed reference period: 'December 31, 2024 through September 30, 2025' and 'three and nine months ended September 30, 2025 and 2024' (older filing, filed 2025-11-07)
- Removed phrase: 'a sustained increase in commodity prices,' from the first general economic conditions bullet point (older filing, filed 2025-11-07)
- Removed phrase: 'including in our construction and development, commercial and industrial and owner-occupied commercial real estate loan categories' from the bullet point about attracting sufficient loans (older filing, filed 2025-11-07)
- Removed bullet point: 'our focus on small and mid-sized businesses;' (older filing, filed 2025-11-07)
- Reworded:
- Modified first bullet point: older version stated 'slowdowns in economic growth, the threat of recession' while newer version states 'a sustained increase in commodity prices, slowdowns in economic growth, the threat of recession' (comparison between 2025-11-07 and 2026-05-08 filings shows the newer filing relocated commodity prices reference)
- Notes:
- The text of the older filing appears truncated at the end of the risk factor listing, making complete comparison of all remaining bullet points not fully assessable
- The opening paragraph dates and periods differ due to normal quarterly updates and are not substantive content changes
Risk Factors
- Added:
- In newer filing (2026-05-08): Reference to '2025 Form 10-K' instead of '2024 Form 10-K'
- In newer filing (2026-05-08): New paragraph describing September 17, 2025 announcement of continuation of share repurchase program expiring September 30, 2025, authorizing repurchase of 923,976 shares, with program period October 1, 2025 to September 30, 2026
- Removed:
- In older filing (2025-11-07): Reference to '2024 Form 10-K'
- In older filing (2025-11-07): Descriptive language about how repurchases can be made (from time-to-time in open market or through privately negotiated transactions) and conditions
- In older filing (2025-11-07): Statement that repurchase program may be modified, suspended or discontinued and does not obligate Company to purchase shares
- In older filing (2025-11-07): Reference to table summarizing repurchases for three months ended September 30, 2025
- Reworded:
- Older filing refers to 'Prior Share Repurchase Plan' as '2024 Prior Share Repurchase Plan'; newer filing refers to it as 'Prior Share Repurchase Plan'
- Older filing: 'Securities and Exchange Commission rules'; newer filing: 'SEC rules'
- Older filing: 'stock repurchases'; newer filing: 'share repurchases'
- Newer filing text appears truncated at end with incomplete sentence 'Repurchases can be m', whereas older filing continues with full sentence structure
- Notes:
- The newer filing's Item 2 section appears incomplete/truncated, ending mid-sentence, which limits full comparison of this section
- Risk factors statement in newer filing references '2025 Form 10-K' while older references '2024 Form 10-K', reflecting expected annual update
- The newer filing shows a new repurchase program announcement from September 2025 that would not have existed in the older November 2025 filing
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for MCBS — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding MCBS as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 2,389,320
- Reported value $85,752,704
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about MCBS's institutional holders → See what each manager we track holds →
Short interest (FINRA)
MCBS had 826,370 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
MCBS had 2.87% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 13.13 days to cover at the same settlement.
- Reported short interest (shares) 826,370
- Short interest (% of shares outstanding) 2.87%
- Prior settlement (shares) 789,900
- Reported change 4.62%
- Days to cover (reported) 13.13
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
METROCITY BANKSHARES INC is found in…
Frequently asked questions
What does METROCITY BANKSHARES INC (MCBS) do?
MetroCity Bankshares, Inc. is a bank holding company that operates through its wholly owned subsidiary, Metro City Bank. The company provides a range of commercial and retail banking products and services, with a significant emphasis on commercial and residential real estate lending.
What sector is METROCITY BANKSHARES INC (MCBS) in?
METROCITY BANKSHARES INC (MCBS) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does MCBS pay a dividend?
Yes — METROCITY BANKSHARES INC (MCBS) pays a dividend, with an indicated yield of about 3.32% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Is METROCITY BANKSHARES INC (MCBS) overbought or oversold right now?
METROCITY BANKSHARES INC (MCBS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 46, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on MCBS come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.