Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MCBS
HoldPremium GrowerMetroCity Bankshares, Inc. · Financial Services · United States · $1.0B · Avg Vol: $2M/d
COMPANY DESCRIPTION
MetroCity Bankshares, Inc. is the bank holding company for MetroCity Bank, a community bank primarily serving the Korean-American community and other ethnic minorities in the Atlanta, Georgia metropolitan area. The bank offers a full range of commercial and retail banking services, including deposit products, commercial real estate loans, and business loans. Its competitive moat is built on its deep understanding and strong relationships within its target ethnic communities, providing tailored financial services and fostering loyalty.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 134.7M | 118.0M | 139.7M | 153.4M | 4.4% | 184.5M | 199.6M | 203.8M | 15.3% |
| EPS | 2.58 | 2.05 | 2.55 | 2.67 | 1.1% | 2.88 | 3.13 | 3.15 | 8.7% |
| Shares | 25.2M | 25.2M | 25.4M | 28.8M | +14.5% | 28.8M | — | — | — |
| Debt | 384.3M | 333.7M | 382.9M | 525.3M | 11.0% | 389.6M | — | — | — |
| Equity | 349.4M | 381.5M | 421.4M | 544.2M | 15.9% | — | — | — | — |
| Op CF | 134.7M | 82.1M | 63.5M | 37.7M | -34.6% | 82.1M | — | — | — |
| Inv CF | -651.8M | -110.3M | 5.9M | 126.8M | — | — | — | — | — |
| Fin CF | 255.3M | -6.5M | 35.7M | -30.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MCBS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| MCBS | MetroCity Bankshares, Inc.(you) | $1.0B | 64 | Hold |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | Buy |
| FSBC | Five Star Bancorp | $1.1B | 62 | Hold |
| NBBK | NB Bancorp, Inc. | $984M | 61 | Hold |
| SPFI | South Plains Financial, Inc. | $823M | 64 | Hold |
| TRST | TrustCo Bank Corp NY | $973M | 60 | Hold |
| CCNE | CNB Financial Corporation | $1.0B | 68 | Buy |
| SMBC | Southern Missouri Bancorp, Inc. | $815M | 65 | Hold |
| FCBC | First Community Bankshares, Inc. | $925M | 67 | Buy |
| HTB | HomeTrust Bancshares, Inc. | $776M | 63 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%