Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
MCBS 
MetroCity Bankshares (MCBS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: MCBS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Very few follow this stock; limited insights, higher-risk early investing.
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 9.99% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 741.10M USD | Price to earnings Ratio 11.29 | 1Y Target Price 34 |
Price to earnings Ratio 11.29 | 1Y Target Price 34 | ||
Volume (30-day avg) 1 | Beta 0.67 | 52 Weeks Range 23.83 - 35.29 | Updated Date 09/17/2025 |
52 Weeks Range 23.83 - 35.29 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.11% | Basic EPS (TTM) 2.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.29 | Forward PE - | Enterprise Value 865154560 | Price to Sales(TTM) 5.11 |
Enterprise Value 865154560 | Price to Sales(TTM) 5.11 | ||
Enterprise Value to Revenue 8.04 | Enterprise Value to EBITDA - | Shares Outstanding 25537700 | Shares Floating 18882865 |
Shares Outstanding 25537700 | Shares Floating 18882865 | ||
Percent Insiders 24.65 | Percent Institutions 24.59 |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
History and Background
MetroCity Bankshares, Inc. (MCBS) was founded in 2006 in Georgia, focusing on serving the Korean-American community. It has since grown to serve a broader customer base.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and other banking services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other retail banking services to individuals.
- SBA Lending: Specializes in small business administration lending programs, offering government-backed financing to small businesses.
Leadership and Structure
Nack Paek serves as the Chairman, President, and CEO. The company operates with a traditional hierarchical structure, with various departments reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are key offerings for businesses, providing capital for expansion, operations, and other needs. While specific market share is difficult to pinpoint, MCBS competes with larger national and regional banks. Competitors: Wells Fargo, Bank of America, and regional banks.
- SBA Loans: MetroCity Bankshares is active in SBA lending, providing loans to small businesses backed by the Small Business Administration. Specific market share data is not readily available. Competitors: Live Oak Bank, Celtic Bank.
- Real Estate Lending: Metrocity provides Real Estate lending including mortgage options. Specific market share data is not readily available. Competitors: JP Morgan Chase, Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, evolving regulatory landscape, and increasing competition from fintech companies.
Positioning
MetroCity Bankshares is a community-focused bank serving a diverse customer base, with a strong presence in the Korean-American community. Its competitive advantages include personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast is estimated to be in the billions of dollars. MetroCity Bankshares is positioned to capture a portion of this TAM by focusing on specific market segments and providing tailored financial solutions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Strong focus on customer service
- Solid balance sheet
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Reliance on specific market segments
Opportunities
- Expansion into new markets
- Increased SBA lending activity
- Leveraging technology to improve efficiency
- Acquisitions of smaller community banks
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BOKF
- HBAN
- FFWM
Competitive Landscape
MetroCity Bankshares competes with larger regional and national banks, as well as other community banks. It differentiates itself through its focus on customer service and local market knowledge.
Major Acquisitions
No Recent Significant Acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No recent major acquisitions reported.
Growth Trajectory and Initiatives
Historical Growth: MetroCity Bankshares has experienced steady growth in assets and loans in recent years.
Future Projections: Analyst estimates suggest continued growth for MetroCity Bankshares, driven by expansion into new markets and increased lending activity.
Recent Initiatives: Recent initiatives include expanding its branch network and investing in technology to enhance customer experience.
Summary
MetroCity Bankshares demonstrates solid fundamentals with its community focus and growing presence. It leverages its strong customer relationships and specialized lending services. However, limited geographic footprint and competition pose significant challenges. Strategic expansion and adaptation to technological advancements are critical for sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions are subject to change.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.