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Upturn AI SWOT - About
MetroCity Bankshares (MCBS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: MCBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $34
Year Target Price $34
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.66% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 721.40M USD | Price to earnings Ratio 11.01 | 1Y Target Price 34 |
Price to earnings Ratio 11.01 | 1Y Target Price 34 | ||
Volume (30-day avg) - | Beta 0.62 | 52 Weeks Range 24.04 - 35.59 | Updated Date 06/29/2025 |
52 Weeks Range 24.04 - 35.59 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.24% | Basic EPS (TTM) 2.58 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 46.02% | Operating Margin (TTM) 61.54% |
Management Effectiveness
Return on Assets (TTM) 1.81% | Return on Equity (TTM) 16.05% |
Valuation
Trailing PE 11.01 | Forward PE - | Enterprise Value 852351808 | Price to Sales(TTM) 5.02 |
Enterprise Value 852351808 | Price to Sales(TTM) 5.02 | ||
Enterprise Value to Revenue 8.07 | Enterprise Value to EBITDA - | Shares Outstanding 25401500 | Shares Floating 18746821 |
Shares Outstanding 25401500 | Shares Floating 18746821 | ||
Percent Insiders 24.79 | Percent Institutions 24.3 |
Analyst Ratings
Rating 3 | Target Price 34 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
History and Background
MetroCity Bankshares, Inc. is the bank holding company for Metro City Bank. Founded in 2006, the bank primarily serves the Korean-American community in the Atlanta metropolitan area and beyond. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial real estate lending, small business loans, lines of credit, and equipment financing.
- Retail Banking: Provides retail banking services such as checking and savings accounts, certificates of deposit, and residential mortgage loans.
- International Banking: Facilitates international trade finance and remittance services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other executive officers. The organizational structure typically consists of various departments such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate Loans target small to medium businesses for their property needs. Market share data is difficult to determine precisely. Competitors include larger regional and national banks like Truist (TFC) and Bank of America (BAC) along with other community banks.
- Market Share (%): Unknown
- Market Share (%): Unknown
- SBA Loans: SBA Loans are government guaranteed loans for small businesses. Data on market share is unavailable. Competitors include Live Oak Bancshares (LOB) and Celtic Bank.
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment and increased regulatory scrutiny. Competition among banks is high, with a focus on digital transformation and customer experience.
Positioning
MetroCity Bankshares is positioned as a community bank focusing on the Korean-American demographic and small to medium businesses. Its competitive advantage lies in its specialized knowledge and services catered to this niche market.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast United States is estimated to be in the billions. MetroCity Bankshares is positioned to capture a segment of this TAM by leveraging its focus on the Korean-American community.
Upturn SWOT Analysis
Strengths
- Strong focus on the Korean-American market
- Experienced management team
- Solid loan portfolio quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on a specific demographic
Opportunities
- Expansion into new markets with significant Korean-American populations
- Increased demand for SBA loans and commercial real estate financing
- Technological advancements to enhance customer service
Threats
- Increased competition from larger banks
- Economic downturn affecting small businesses
- Regulatory changes impacting the banking industry
Competitors and Market Share
Key Competitors
- BAC
- WFC
- USB
- PNC
- MTB
Competitive Landscape
MetroCity Bankshares competes with larger national and regional banks as well as other community banks. Its advantage lies in its specialized knowledge of the Korean-American market, but it faces challenges due to its smaller size and limited geographic reach.
Major Acquisitions
Global Bank Corporation
- Year: 2016
- Acquisition Price (USD millions): 27
- Strategic Rationale: Expand market share in the Korean-American community.
Growth Trajectory and Initiatives
Historical Growth: Historically, MetroCity Bankshares has demonstrated consistent growth in assets, loans, and deposits. It has expanded through both organic means and acquisitions.
Future Projections: Analyst estimates suggest continued growth in loan originations and net interest income, driven by the bank's focus on its target market.
Recent Initiatives: Recent initiatives include investment in digital banking platforms and expansion of lending services to better serve its customer base.
Summary
MetroCity Bankshares is a community bank with a strong niche in the Korean-American market, demonstrating consistent growth. It faces competition from larger institutions and needs to diversify geographically. Recent initiatives and strategic acquisitions could lead to further expansion. It should watch for economic changes that can affect its small business base.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated. Real-time financial data may vary.
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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