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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
10/23/2026: MCBS (2-star) is currently NOT-A-BUY. Pass it for now.
MetroCity Bankshares is a regional financial institution specializing in serving Asian-American communities through commercial and consumer banking services. The company has a solid reputation for its focused lending model, particularly within commercial real estate, which has driven consistent growth. Its primary opportunity lies in expanding its unique business model into new high-growth regions. However, risks include concentration in commercial real estate and sensitivity to interest rate fluctuations. The stock may be a strong fit for value-oriented investors seeking regional exposure, though potential investors should monitor regulatory developments and interest rate trends that could impact its margins.
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 high growth potential in niche markets, it is still a regional player subject to cyclical banking sector constraints. |
| Momentum investor | Mixed fit | The stock can experience momentum during periods of favorable interest rate outlooks, but requires a positive upturn signal for entry. |
| Value investor | Strong fit | The company often trades at valuation multiples that may appeal to value investors looking for consistent earnings growth. |
| Dividend investor | Mixed fit | It offers a reliable dividend, though it is not primarily positioned as a high-yield income stock. |
| Low-risk investor | Weak fit | Regional banking stocks carry inherent risks related to interest rates and CRE exposure that may exceed the tolerance of low-risk investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to interest rate fluctuations and macro sentiment. |
| Valuation risk | Medium | Market pricing of the stock depends heavily on future interest rate cycles. |
| Competition risk (CRE banking) | High | Heavy reliance on CRE lending makes competition for loan quality intense. |
| Business quality | Medium | The bank has a solid niche but operates in a capital-intensive industry. |
| Dividend income | Medium | Dividends are stable but secondary to reinvestment for growth. |
| Execution risk | Medium | Managing growth while maintaining asset quality is critical for long-term success. |
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 PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 1.03B USD | Price to earnings Ratio 12.41 | 1Y Target Price 38 |
Price to earnings Ratio 12.41 | 1Y Target Price 38 | ||
Volume (30-day avg) 102.8K shares | Beta 0.71 | 52 Weeks Range 23.91 - 37.16 | Updated Date 10/24/2026 |
52 Weeks Range 23.91 - 37.16 | Updated Date 10/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.88 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Real Estate Lending | Interest and fees from construction and income-producing property loans. | The bank primarily profits from lending money to businesses for properties. |
| Consumer & Mortgage Lending | Residential mortgages and consumer loans. | The bank earns income from the interest paid by individuals on home loans. |
| Geography (US Southeast/Mid-Atlantic) | Branches and regional loan production offices. | Most revenue is generated in specific regions with high growth and population density. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When After Market | Estimate 0.84 | Actual 0.67 |
Profitability
Profit Margin 43.28% | Operating Margin (TTM) 61.08% |
Management Effectiveness
Return on Assets (TTM) 1.96% | Return on Equity (TTM) 15.91% |
Valuation
Trailing PE 12.41 | Forward PE - | Enterprise Value 1.15B | Price to Sales(TTM) 5.55 |
Enterprise Value 1.15B | Price to Sales(TTM) 5.55 | ||
Enterprise Value to Revenue 7.77 | 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 27.42 |
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.
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