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MetroCity Bankshares (MCBS)



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Upturn Advisory Summary
08/14/2025: MCBS (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $34
1 Year Target Price $34
0 | Strong Buy |
0 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.16% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.metrocitybank.bank |
Full time employees 240 | Website https://www.metrocitybank.bank |
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.

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