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MCBS 
MetroCity Bankshares (MCBS)
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Upturn Advisory Summary
11/05/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $31
1 Year Target Price $31
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.83% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 669.34M USD | Price to earnings Ratio 10.12 | 1Y Target Price 31 |
Price to earnings Ratio 10.12 | 1Y Target Price 31 | ||
Volume (30-day avg) 1 | Beta 0.73 | 52 Weeks Range 23.61 - 34.95 | Updated Date 11/6/2025 |
52 Weeks Range 23.61 - 34.95 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.65% | Basic EPS (TTM) 2.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 0.67 | Actual 0.68 |
Profitability
Profit Margin 45.22% | Operating Margin (TTM) 62.68% |
Management Effectiveness
Return on Assets (TTM) 1.85% | Return on Equity (TTM) 15.62% |
Valuation
Trailing PE 10.12 | Forward PE - | Enterprise Value 865455296 | Price to Sales(TTM) 4.54 |
Enterprise Value 865455296 | Price to Sales(TTM) 4.54 | ||
Enterprise Value to Revenue 7.82 | Enterprise Value to EBITDA - | Shares Outstanding 25537746 | Shares Floating 18882865 |
Shares Outstanding 25537746 | Shares Floating 18882865 | ||
Percent Insiders 24.65 | Percent Institutions 24.42 |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
History and Background
MetroCity Bankshares, Inc. was founded in 2006. It operates as the holding company for Metro City Bank, which provides various banking products and services. The bank has grown through organic expansion and acquisitions, focusing on serving the Asian-American community.
Core Business Areas
- Commercial Banking: Offers a range of loan products, including commercial real estate loans, business loans, and lines of credit, focusing on small to medium-sized businesses.
- Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts, along with other retail banking services to individuals.
- International Banking: Facilitates international trade and provides services to customers with international business interests, including wire transfers and foreign exchange services.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes departments for lending, retail banking, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses looking to acquire or refinance real estate. Market share data is not publicly available at a granular level for specific loan types. Competitors include other regional and national banks such as Bank of America (BAC), Wells Fargo (WFC), and smaller community banks.
- Revenue: Revenue data is not publicly available at a granular level
- Business Loans: Loans and lines of credit for working capital, equipment purchases, and other business needs. Market share data is not publicly available at a granular level for specific loan types. Competitors include other regional and national banks such as Bank of America (BAC), Wells Fargo (WFC), and smaller community banks.
- Revenue: Revenue data is not publicly available at a granular level
- Revenue: Revenue data is not publicly available at a granular level
- SBA Loans: Loans guaranteed by the Small Business Administration, providing financing options for small businesses. Market share data is not publicly available at a granular level. Competitors include other regional and national banks such as Bank of America (BAC), Wells Fargo (WFC), and smaller community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by digital banking trends. Competition is intense, and banks are focusing on efficiency, innovation, and customer experience.
Positioning
MetroCity Bankshares positions itself as a community-focused bank, particularly serving the Asian-American demographic. Its competitive advantages include its cultural understanding, personalized service, and strong relationships within its target market.
Total Addressable Market (TAM)
The TAM for banking services targeting the Asian-American community is significant and growing, reflecting the increasing economic power of this demographic. MetroCity Bankshares is well-positioned to capture a share of this market due to its specialization and cultural affinity.
Upturn SWOT Analysis
Strengths
- Strong presence in the Asian-American community
- Experienced management team
- Solid loan portfolio
- Commitment to customer service
- Strategic geographic locations
Weaknesses
- Geographic concentration in specific markets
- Smaller size compared to larger national banks
- Limited product diversification
- Higher expense ratio compared to peers
Opportunities
- Expansion into new geographic markets with significant Asian-American populations
- Increased adoption of digital banking solutions
- Strategic partnerships with fintech companies
- Growth in commercial lending
- Increased wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates increasing funding costs
- Regulatory changes and compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOKF
- CASH
- EWBC
Competitive Landscape
MetroCity Bankshares faces intense competition from larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its focus on serving the Asian-American community and its commitment to customer service.
Major Acquisitions
Global Bank
- Year: 2017
- Acquisition Price (USD millions): 62.5
- Strategic Rationale: Expanded market presence in the Atlanta metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. The bank has consistently grown its loan portfolio and deposit base.
Future Projections: Future growth is expected to be driven by continued expansion into new markets, increased adoption of digital banking, and growth in commercial lending.
Recent Initiatives: Recent initiatives include investments in technology to enhance digital banking capabilities and expansion into new geographic markets.
Summary
MetroCity Bankshares is a community-focused bank with a strong presence in the Asian-American market, offering commercial and retail banking services. It faces competition from larger banks but leverages its cultural understanding for a competitive edge. Its growth has been driven by organic expansion and strategic acquisitions, but its geographic concentration and size pose limitations. Continued investment in technology and strategic expansion are vital for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data should be verified with official sources.
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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