GoAI
Get started
MetroCity Bankshares, Inc. logo

MetroCity Bankshares, Inc.

MCBS

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Regular session

$35.735

+$0.135 · +0.38%

Aug 24, 10:12 AM ETData delayed

MCBS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

54

Fair Value

Momentum

60

Neutral

Sentiment

70

Bullish

Risk resilience

77

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

MetroCity Bankshares, Inc. functions as the parent company for Metro City Bank, delivering a comprehensive suite of banking and financial solutions throughout the United States. Its services cater to a diverse client base, including individuals, small and medium-sized enterprises, larger businesses, and local government bodies. The bank facilitates a variety of deposit accounts, such as personal and business checking, savings, certificates of deposit, and money transfer capabilities. Furthermore, it extends credit through construction and development loans, commercial real estate financing, industrial and business loans, single-family home mortgages, Small Business Administration (SBA) loans, and other consumer credit products. Customers also benefit from modern conveniences like online banking, treasury management, wire transfers, automated clearing house (ACH) services, and broader cash management solutions. Founded in 2006 and headquartered in Doraville, Georgia, the company maintains a physical presence with 19 full-service branch locations spanning Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Nack Young Paek
Listed since
Sep 5, 2019
Employees
317

Market position

Day range

Current $35.735

52-week range

Current $35.735

Open
$35.59
Previous close
$35.60
Volume
2.86K
0.03× average
Average volume
84.18K
Average daily volume
Market cap
1.02B USD
Beta
0.69
Market reference 1
50-day average
$35.5745
+0.45% above average
200-day average
$30.7083
+16.37% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
12.24×
P/B (TTM)
1.81×
P/S (TTM)
3.9×
Dividend yield
3.02%

Profitability & efficiency

Gross margin
62.35%
Operating margin
36.55%
Net margin
30.49%

Financial health

Debt / equity
0.71×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%72%45%18%Gross margin, FY2021: 91.74%Gross margin, FY2022: 84.69%Gross margin, FY2023: 56.38%Gross margin, FY2024: 59.36%Gross margin, FY2025: 62.00%Operating margin, FY2021: 59.35%Operating margin, FY2022: 56.21%Operating margin, FY2023: 34.37%Operating margin, FY2024: 37.25%Operating margin, FY2025: 39.21%Net margin, FY2021: 44.32%Net margin, FY2022: 38.58%Net margin, FY2023: 24.65%Net margin, FY2024: 27.52%Net margin, FY2025: 28.99%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.74%. Gross margin FY2022 84.69%. Gross margin FY2023 56.38%. Gross margin FY2024 59.36%. Gross margin FY2025 62.00%. Operating margin FY2021 59.35%. Operating margin FY2022 56.21%. Operating margin FY2023 34.37%. Operating margin FY2024 37.25%. Operating margin FY2025 39.21%. Net margin FY2021 44.32%. Net margin FY2022 38.58%. Net margin FY2023 24.65%. Net margin FY2024 27.52%. Net margin FY2025 28.99%.

Income trends

Revenue

237.03M USD+1.11%

Operating income

92.93M USD+6.43%

Net income

68.71M USD+6.51%
Income trends across reported periods255.57M USD181.4M USD107.24M USD33.07M USDRevenue, FY2021: 139.21M USDRevenue, FY2022: 162.29M USDRevenue, FY2023: 209.38M USDRevenue, FY2024: 234.43M USDRevenue, FY2025: 237.03M USDOperating income, FY2021: 82.62M USDOperating income, FY2022: 91.22M USDOperating income, FY2023: 71.97M USDOperating income, FY2024: 87.31M USDOperating income, FY2025: 92.93M USDNet income, FY2021: 61.7M USDNet income, FY2022: 62.6M USDNet income, FY2023: 51.61M USDNet income, FY2024: 64.5M USDNet income, FY2025: 68.71M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 139.21M USD. Revenue FY2022 162.29M USD. Revenue FY2023 209.38M USD. Revenue FY2024 234.43M USD. Revenue FY2025 237.03M USD. Operating income FY2021 82.62M USD. Operating income FY2022 91.22M USD. Operating income FY2023 71.97M USD. Operating income FY2024 87.31M USD. Operating income FY2025 92.93M USD. Net income FY2021 61.7M USD. Net income FY2022 62.6M USD. Net income FY2023 51.61M USD. Net income FY2024 64.5M USD. Net income FY2025 68.71M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue237.03M USD234.43M USD209.38M USD162.29M USD139.21M USD
Cost of goods sold90.06M USD95.28M USD91.33M USD24.84M USD11.5M USD
Gross profit146.97M USD139.15M USD118.05M USD137.44M USD127.71M USD
Selling, general, and administrative42.46M USD36.2M USD32.12M USD32.9M USD32.06M USD
Operating expenses54.04M USD51.83M USD46.08M USD46.23M USD45.09M USD
Interest income220.83M USD212.91M USD192.83M USD147.22M USD108.74M USD
Interest expense90.38M USD94.77M USD91.35M USD27.61M USD4.57M USD
Depreciation and amortization—2.96M USD2.69M USD3.88M USD2.81M USD
Operating income92.93M USD87.31M USD71.97M USD91.22M USD82.62M USD
Net income68.71M USD64.5M USD51.61M USD62.6M USD61.7M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy00%
Hold3100%
Sell00%
Strong sell00%

MCBS peers

Interactive Brokers Group, Inc. logo

IBKR

Interactive Brokers Group, Inc.

$94.275

+0.43%

CME Group Inc. logo

CME

CME Group Inc.

$278.43

+1.25%

Robinhood Markets, Inc. logo

HOOD

Robinhood Markets, Inc.

$107.25

-0.81%

Strive Inc. Perp. Pfd. Series A logo

SATA

Strive Inc. Perp. Pfd. Series A

$100.01

-0.01%

Nasdaq, Inc. logo

NDAQ

Nasdaq, Inc.

$98.7687

+0.56%

PayPal Holdings, Inc. logo

PYPL

PayPal Holdings, Inc.

$62.0988

+0.89%

ETFs holding MCBS

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
24.36M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$376.73-0.40%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
24.08M
Weight
0.08%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.54+0.07%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
21.4M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.48-0.49%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
8.74M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.74-0.73%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
5.16M
Weight
0.03%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$382.99-1.13%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
4.63M
Weight
0.03%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.65-0.50%
Schwab U.S. Small-Cap ETF logoSchwab U.S. Small-Cap ETFSCHA
Market value
3.58M
Weight
0.02%
AUM
23.1B USD
Expense ratio
0.03%
Price / 1D
$34.425-1.18%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
3.11M
Weight
0.02%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$82.81-0.25%

Continue in GoAI

Research MCBS

research.disclaimer