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Upturn AI Summary - About
MetroCity Bankshares(MCBS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MCBS
09/25/2026: MCBS (2-star) is a SELL. SELL for 3 days. Simulated Profits (17.10%). Updated daily EoD!
MetroCity Bankshares is a regional bank holding company known for its niche focus on the Asian American community and small business lending. The bank has a solid track record of growth, leveraging an efficient loan origination model in markets across the Southeast. While the company is a notable player in its specific niche, it faces risks related to its concentration in commercial real estate and general competition from larger, more diversified financial institutions. For investors, the company offers a mix of growth and dividend income, though volatility in the banking sector and interest rate environments should be monitored. It is best suited for those seeking regional banking exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the bank has a history of growth, it is subject to the cyclical nature of regional banking. |
| Momentum investor | Mixed fit | Momentum depends on the broader financial sector sentiment and specific interest rate trends. |
| Value investor | Strong fit | The stock often trades at valuations typical of regional banks, which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | The company pays regular dividends, making it suitable for income-seeking investors. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent market and interest rate risks that may exceed those of very conservative investments. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to market interest rate volatility and economic news. |
| Valuation risk | Medium | Investors must monitor if the price adequately reflects the bank's asset quality and earnings power. |
| Competition risk (regional banking competition) | High | Intense competition for loans and deposits can compress margins. |
| Business quality | Medium | The bank has a solid niche franchise, though it lacks the scale of national competitors. |
| Dividend income | Medium | Dividends are dependent on the bank's continued profitability and regulatory compliance. |
| Execution risk | Medium | Successful growth depends on management's ability to integrate acquisitions and manage loan portfolios effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -3.68% | Avg. Invested days 48 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.00B USD | Price to earnings Ratio 12.08 | 1Y Target Price 38 |
Price to earnings Ratio 12.08 | 1Y Target Price 38 | ||
Volume (30-day avg) 74.4K shares | Beta 0.68 | 52 Weeks Range 23.91 - 37.16 | Updated Date 09/25/2026 |
52 Weeks Range 23.91 - 37.16 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 2.88 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank primarily profits from the spread between the interest it earns from loans and the interest it pays to depositors. |
| Non-Interest Income | Service charges, loan fees, and other banking related commissions. | This is supplemental income from fees charged for bank services and loan origination. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.08 | Forward PE - | Enterprise Value 1.12B | Price to Sales(TTM) 5.43 |
Enterprise Value 1.12B | Price to Sales(TTM) 5.43 | ||
Enterprise Value to Revenue 7.67 | Enterprise Value to EBITDA - | Shares Outstanding 28.78M | Shares Floating 22.03M |
Shares Outstanding 28.78M | Shares Floating 22.03M | ||
Percent Insiders 20.83 | Percent Institutions 27.35 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About MetroCity Bankshares
Exchange NASDAQ | Headquarters 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 317 | Website https://www.metrocitybank.bank |
Full time employees 317 | 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, 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; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. 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 banking by telephone, mail and personal appointment. 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 initiation, 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. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.
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