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MCBS
Upturn stock ratingUpturn stock rating

MetroCity Bankshares (MCBS)

Upturn stock ratingUpturn stock rating
$28.79
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: MCBS (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $34

1 Year Target Price $34

Analysts Price Target For last 52 week
$34 Target price
52w Low $23.83
Current$28.79
52w High $35.29

Analysis of Past Performance

Type Stock
Historic Profit 14.16%
Avg. Invested days 50
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 720.93M USD
Price to earnings Ratio 10.98
1Y Target Price 34
Price to earnings Ratio 10.98
1Y Target Price 34
Volume (30-day avg) 1
Beta 0.65
52 Weeks Range 23.83 - 35.29
Updated Date 08/15/2025
52 Weeks Range 23.83 - 35.29
Updated Date 08/15/2025
Dividends yield (FY) 3.09%
Basic EPS (TTM) 2.57

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-18
When Before Market
Estimate 0.63
Actual 0.65

Profitability

Profit Margin 45.51%
Operating Margin (TTM) 63.53%

Management Effectiveness

Return on Assets (TTM) 1.83%
Return on Equity (TTM) 15.67%

Valuation

Trailing PE 10.98
Forward PE -
Enterprise Value 870006720
Price to Sales(TTM) 4.97
Enterprise Value 870006720
Price to Sales(TTM) 4.97
Enterprise Value to Revenue 8.08
Enterprise Value to EBITDA -
Shares Outstanding 25537700
Shares Floating 18882865
Shares Outstanding 25537700
Shares Floating 18882865
Percent Insiders 24.65
Percent Institutions 24.58

ai summary icon Upturn AI SWOT

MetroCity Bankshares

stock logo

Company Overview

overview logo History and Background

MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Duluth, Georgia. It operates as the bank holding company for Metro City Bank, providing commercial banking services to businesses and individuals, particularly those within the Asian-American community.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial banking products, including commercial real estate loans, small business loans, lines of credit, and term loans.
  • Retail Banking: Provides retail banking services such as checking and savings accounts, certificates of deposit, and personal loans.
  • SBA Lending: Offers Small Business Administration (SBA) loans to support small businesses.

leadership logo Leadership and Structure

Nack Paek serves as the Chairman, President and CEO. The bank operates with a typical corporate structure including a board of directors and executive management team overseeing various departments such as lending, operations, and finance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: CRE loans are a primary revenue generator. Market share data is not publicly available, but competition includes larger regional and national banks. Competitors: Wells Fargo (WFC), Bank of America (BAC), Truist Financial (TFC).
  • Small Business Loans: Small business loans cater to local businesses. Market share data is not publicly available, but competition includes local banks and credit unions. Competitors: Synovus Financial (SNV), United Community Banks (UCBI).
  • SBA Loans: Provides SBA loans that cater to small businesses. Market share data is not publicly available but is highly competitive. Competitors: Live Oak Bancshares (LOB), NewtekOne (NEWT)

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by technology. Community banks are facing pressure to innovate and compete with larger institutions and fintech companies.

Positioning

MetroCity Bankshares focuses on serving the Asian-American community in the Southeast U.S., providing a niche market and competitive advantage through cultural understanding and personalized service.

Total Addressable Market (TAM)

The TAM for banking services in the Southeast U.S. is estimated to be in the hundreds of billions of dollars. MetroCity Bankshares, with its focus on the Asian-American community, targets a significant portion of this TAM.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships within the Asian-American community
  • Experienced management team
  • Solid capital base
  • Focus on niche markets

Weaknesses

  • Limited geographic diversification
  • Higher concentration of commercial real estate loans
  • Smaller scale compared to larger competitors
  • Reliance on specific demographics

Opportunities

  • Expansion into new geographic markets with significant Asian-American populations
  • Development of new digital banking products and services
  • Increased SBA lending activity
  • Strategic acquisitions of smaller banks

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates and potential economic downturn
  • Regulatory changes
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • BAC
  • SNV

Competitive Landscape

MetroCity Bankshares benefits from a strong understanding of the Asian-American community, offering culturally relevant services. However, it faces stiff competition from larger national banks with greater resources and broader product offerings. Its niche focus allows it to provide personalized service, but its geographic concentration poses a risk.

Growth Trajectory and Initiatives

Historical Growth: Historical growth rate requires historical prices to calculate. Example: Revenue Growth: [0.10, 0.10, 0.10]

Future Projections: Analyst estimates needed to do this projection. Example: Revenue Projection: [130000000, 140000000, 150000000]

Recent Initiatives: Recent Initiatives require to be populated. Example: Focus on expanding digital banking services, targeting commercial loan growth, and improving operational efficiency.

Summary

MetroCity Bankshares has a strong niche serving the Asian-American community, which has led to solid customer relationships. Limited geographic diversification and a smaller scale relative to larger competitors are considerable challenges. Opportunities lie in digital banking and expansion, but macroeconomic conditions and competitive pressures remain threats. The bank's success will depend on its ability to leverage its niche market while managing risks and adapting to evolving industry dynamics.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Analyst Reports (Hypothetical)

Disclaimers:

This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and hypothetical values for demonstration purposes.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About MetroCity Bankshares

Exchange NASDAQ
Headquaters Doraville, GA, United States
IPO Launch date 2017-10-19
Chairman & CEO Mr. Nack Young Paek
Sector Financial Services
Industry Banks - Regional
Full time employees 240
Full time employees 240

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 accounts, 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; letters of credit; and commercial and industrial, residential mortgage, and small business administration loans. 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 telephone banking services. 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, 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. The company was founded in 2006 and is headquartered in Doraville, Georgia.