MetroCity Bankshares

MetroCity Bankshares

MCBS · NASDAQ · Financial Services / Banks - Regional

36.50USD+0.24 (+0.66%)

Price History

Full chart

Market Stats

Previous Close36.26
Open36.44
Day Range36.16 – 37.12
52-Week Range23.91 – 37.16
Volume91.02K
Market Cap1.01B
P/E (TTM)12.15
Forward P/E0.00
EPS2.88
Dividend Yield3.09%
Beta0.68
50-Day Avg35.51
200-Day Avg31.78

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Nack Young Paek
  • Employees317
  • Headquarters5114 Buford Highway, Doraville, GA, United States, 30340, USA
  • Websitehttps://www.metrocitybank.bank

Leadership

  • Mr. Nack Young PaekChairman & CEO · b. 1943
  • Mr. Abdul MohdnorExecutive VP & Chief Compliance Officer · b. 1970

Financials

Income Statement

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue30.09M35.29M47.63M63.81M92.92M107.02M120.92M102.96M139.21M162.29M115.64M234.43M237.03M
Growth (%)-+17.26%+34.98%+33.97%+45.61%+15.18%+12.99%-14.86%+35.21%+16.58%-28.74%+102.72%+1.11%
Cost of Revenue-03.58M5.24M11.68M15.91M22.24M14.96M11.50M24.84M91.33M95.28M90.06M
Gross Profit30.09M35.29M44.05M58.57M81.24M91.11M98.68M88.00M127.71M137.44M211.03M139.15M146.97M
Gross Margin100.00%100.00%92.48%91.79%87.43%85.13%81.61%85.47%91.74%84.69%182.49%59.36%62.00%
Operating Expense13.71M15.46M18.01M26.16M31.19M35.11M37.82M39.24M45.09M46.23M139.06M51.83M54.04M
Operating Income16.38M19.83M26.04M32.42M50.05M56.00M60.87M48.76M82.62M91.22M71.97M87.31M92.93M
Operating Margin54.44%56.18%54.68%50.80%53.86%52.33%50.34%47.36%59.35%56.21%62.24%37.25%39.21%
EBITDA16.93M20.36M26.65M33.00M50.64M56.85M63.59M51.69M85.43M95.09M71.97M90.27M92.93M
EBITDA Margin56.26%57.70%55.94%51.71%54.50%53.12%52.58%50.21%61.37%58.60%62.24%38.51%39.21%
Net Income10.10M12.50M16.61M20.22M31.90M41.33M44.72M36.39M61.70M62.60M51.61M64.50M68.70M
Net Income Margin33.57%35.42%34.88%31.68%34.33%38.62%36.98%35.35%44.32%38.58%44.63%27.52%28.99%
Interest Expense-03.58M5.24M8.62M14.68M22.24M11.49M4.57M27.61M91.35M94.77M90.38M
Interest Expense % of Total Revenue-0.00%7.52%8.21%9.28%13.71%18.39%11.16%3.28%17.01%78.99%40.42%38.13%

Balance Sheet

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets514.99M582.59M671.38M1.10B1.29B1.43B1.63B1.90B3.11B3.43B3.50B3.59B4.77B
Total Liabilities453.70M509.51M581.82M992.80M1.15B1.26B1.42B1.65B2.82B3.08B3.12B3.17B4.22B
Total Equity61.29M73.08M89.56M107.26M135.12M168.61M216.72M244.83M290.22M349.42M381.52M421.35M544.36M
Cash17.71M32.81M40.32M63.80M94.37M130.26M270.50M140.74M432.52M150.96M142.15M236.34M370.83M
Total Debt18.44M15.98M15.45M114.04M130.08M4.26M75.61M121.39M510.32M384.28M335.46M382.94M540.61M
Net Debt724.11K-16.84M-24.87M50.24M30.67M-126.01M-194.89M-19.35M77.80M233.31M193.31M146.60M169.78M

Cash Flow

Currency: USD2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow8.12M7.02M16.74M-140.54M151.81M-160.99M32.20M142.56M65.43M134.69M82.10M63.50M137.01M
Investing Cash Flow-54.04M-46.63M-78.87M-239.56M-277.94M109.34M-18.29M-477.86M-930.55M-651.82M-110.27M5.87M-109.98M
Financing Cash Flow42.54M53.76M71.32M403.58M155.40M94.17M124.08M209.58M1.16B255.27M-6.51M35.70M-27.84M
Capital Expenditure509.78K246.62K3.19M3.46M5.91M2.85M1.10M537.00K384.00K2.35M4.93M1.29M674.00K
Free Cash Flow7.61M6.78M13.55M-144.00M145.90M-163.85M31.10M142.02M65.05M132.34M77.17M62.22M137.01M
Dividends Paid461.14K1.96M2.66M3.77M5.40M9.29M10.37M10.29M11.79M15.29M18.20M21.05M24.84M
FCF to OCF93.72%96.49%80.96%102.46%96.11%101.77%96.59%99.62%99.41%98.25%93.99%97.97%100.00%
Dividend Paid to FCF6.06%28.97%19.66%-2.62%3.70%-5.67%33.33%7.24%18.13%11.55%23.58%33.84%18.13%

Earnings

Report DateSep 21, 2018Aug 28, 2019Oct 24, 2019Jan 24, 2020Apr 24, 2020Jul 24, 2020Oct 23, 2020Jan 22, 2021Apr 23, 2021Jul 23, 2021Oct 22, 2021Jan 24, 2022Apr 22, 2022Jul 22, 2022Oct 21, 2022Jan 23, 2023Apr 21, 2023Jul 21, 2023Oct 20, 2023Jan 23, 2024Apr 19, 2024Jul 19, 2024Oct 18, 2024Jan 21, 2025Apr 18, 2025Jul 18, 2025Oct 17, 2025Jan 30, 2026Apr 24, 2026Jul 24, 2026Oct 16, 2026
EPS Estimate0.000.000.480.460.400.250.310.340.410.530.610.660.700.720.670.600.500.500.500.480.530.590.640.610.610.630.670.730.770.820.84
EPS Actual0.610.530.500.420.380.300.360.370.500.560.660.680.760.630.660.520.620.500.450.440.570.660.650.630.630.650.680.780.810.76-
Surprise--4.17%-8.70%-5.00%20.00%16.13%8.82%21.95%5.66%8.20%3.03%8.57%-12.50%-1.49%-13.33%24.00%0.00%-10.00%-8.33%7.55%11.86%1.56%3.28%3.28%3.17%1.49%6.85%5.19%-7.32%-
Timing--After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap1.01B
Enterprise Value1.12B
Trailing P/E12.15
Forward P/E0.00
Price / Sales5.46
Price / Book1.75
EPS2.88
Book Value19.73
Revenue (TTM)184.52M
Gross Profit (TTM)184.52M
Profit Margin43.28%
Operating Margin61.08%
Return on Equity15.91%
Return on Assets1.96%
Shares Outstanding28.78M
Shares Float22.03M
Beta0.68
Dividend Yield3.09%
Dividend Rate1.08
Payout Ratio35.64%

Analyst Ratings

Hold
Based on 1 analystsTarget 38.00
  • Hold
    1

Ownership Breakdown

Institutions
27.35%
Insiders
20.83%
Retail / Other
51.82%

Top Institutional Holders

  • BlackRock Inc
    1.50M5.22%
  • Vanguard Capital Management, LLC
    878.20K3.05%
  • American Century Companies Inc
    737.10K2.56%
  • Dimensional Fund Advisors, Inc.
    552.27K1.92%
  • Geode Capital Management, LLC
    518.37K1.80%
  • State Street Corp
    474.28K1.65%
  • Manufacturers Life Insurance Co
    220.55K0.77%
  • Northern Trust Corp
    209.91K0.73%
  • Charles Schwab Investment Management Inc
    178.01K0.62%
  • The Goldman Sachs Group Inc
    159.65K0.55%
  • Vanguard Fiduciary Trust Co
    135.87K0.47%
  • Vanguard Portfolio Management, LLC
    129.78K0.45%
  • Morgan Stanley - Brokerage Accounts
    125.22K0.44%
  • Bank of New York Mellon Corp
    119.24K0.41%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    688.47K2.39%
  • Avantis US Small Cap Value ETF
    685.50K2.38%
  • iShares Russell 2000 ETF
    604.68K2.10%
  • Fidelity Small Cap Index
    253.74K0.88%
  • iShares Russell 2000 Growth ETF
    146.19K0.51%
  • Vanguard Russell 2000 ETF
    134.35K0.47%

Dividends

20264×
0.31Nov 4, 20260.29Jul 29, 20260.29Apr 29, 20260.25Feb 4, 2026
20254×
0.25Oct 29, 20250.25Jul 30, 20250.23Apr 30, 20250.23Jan 29, 2025
20244×
0.23Oct 30, 20240.20Jul 31, 20240.20Apr 30, 20240.20Jan 30, 2024
20234×
0.18Oct 31, 20230.18Aug 2, 20230.18May 2, 20230.18Jan 31, 2023
20224×
0.15Nov 1, 20220.15Aug 2, 20220.15May 3, 20220.15Feb 1, 2022
20214×
0.14Nov 2, 20210.12Aug 2, 20210.10May 3, 20210.10Feb 2, 2021

Stock Splits

  • Sep 3, 20192:1