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MCBS 
MetroCity Bankshares (MCBS)
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Upturn Advisory Summary
12/03/2025: 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 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 682.88M USD | Price to earnings Ratio 10.32 | 1Y Target Price 31 |
Price to earnings Ratio 10.32 | 1Y Target Price 31 | ||
Volume (30-day avg) 1 | Beta 0.73 | 52 Weeks Range 23.61 - 34.27 | Updated Date 12/3/2025 |
52 Weeks Range 23.61 - 34.27 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 2.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.22% | Operating Margin (TTM) 62.68% |
Management Effectiveness
Return on Assets (TTM) 1.85% | Return on Equity (TTM) 15.62% |
Valuation
Trailing PE 10.32 | Forward PE - | Enterprise Value 877977856 | Price to Sales(TTM) 4.63 |
Enterprise Value 877977856 | Price to Sales(TTM) 4.63 | ||
Enterprise Value to Revenue 7.63 | Enterprise Value to EBITDA - | Shares Outstanding 25480661 | Shares Floating 18825877 |
Shares Outstanding 25480661 | Shares Floating 18825877 | ||
Percent Insiders 24.71 | Percent Institutions 24.87 |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
History and Background
MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia. It operates as the bank holding company for Metro City Bank, providing banking products and services to individuals, small businesses, and corporations. The bank primarily serves the Korean-American community and other ethnic groups in the Atlanta metropolitan area and beyond. Significant milestones include expanding its branch network and growing its loan portfolio.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, lines of credit, and deposit accounts to businesses.
- Retail Banking: Provides retail banking services such as checking and savings accounts, mortgage loans, and personal loans to individual customers.
- Small Business Banking: Offers specialized banking services tailored to the needs of small businesses, including business loans, deposit accounts, and cash management services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure includes various departments such as lending, operations, and compliance, all reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of MetroCity Bankshares's lending portfolio. Market share data specific to MetroCity Bankshares for commercial loans is not readily available. Competitors include larger national and regional banks like Bank of America (BAC), Wells Fargo (WFC), and smaller community banks.
- Residential Mortgages: MetroCity Bankshares offers residential mortgage loans to individuals. Market share data specific to the bank is not readily accessible. Competition includes companies like Rocket Mortgage, United Wholesale Mortgage and other local banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and heightened competition from both traditional banks and fintech companies. The trend towards digitalization and mobile banking is also shaping the industry.
Positioning
MetroCity Bankshares is positioned as a community bank focused on serving the Korean-American and other ethnic communities. Its competitive advantages include its understanding of the specific needs of its target market and its strong relationships with local businesses and individuals.
Total Addressable Market (TAM)
The total addressable market for community banking in the regions MetroCity Bankshares operates in is estimated to be in the billions of dollars. MetroCity Bankshares is positioned to capture a portion of this market by focusing on its niche customer base and providing personalized services.
Upturn SWOT Analysis
Strengths
- Strong relationships with the Korean-American community
- Experienced management team
- Focus on niche markets
- Growing loan portfolio
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on niche markets
Opportunities
- Expansion into new markets with similar demographics
- Increased adoption of digital banking technologies
- Growing demand for small business loans
- Strategic acquisitions of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan quality
- Changes in regulatory requirements
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PBCT
Competitive Landscape
MetroCity Bankshares competes with larger national banks, regional banks, and other community banks. Its advantages include its focus on the Korean-American community and its personalized customer service. Its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed by examining MetroCity Bankshares's financial statements over the past few years. This information is not available for generating this JSON.
Future Projections: Future projections depend on analyst estimates which would be located at financial websites like yahoo finance.
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, and investments in digital banking technologies. Such information requires current research.
Summary
MetroCity Bankshares is a community bank focusing on the Korean-American community. A strong point is the focus on its niche markets, but there is a need for geographic diversification. Competition from larger banks poses a threat. Future growth will depend on expanding into new markets and leveraging digital banking technologies.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (when available)
- Industry Reports
Disclaimers:
This analysis is based on limited publicly available information. Actual financial performance and market conditions may vary. This is not financial advice.
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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