- ISIN
- US59165J1051
- CUSIP
- 59165J105
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Oct 19, 2017
Highlights
- Market Cap
- $992.38M
- Enterprise Value
- $931.22M
- EPS (TTM)
- $2.79
- PE Ratio
- 12.26
- PEG Ratio
- 3.14
- Total Revenue (TTM)
- $180.85M
- Gross Profit (TTM)
- $112.88M
- EBITDA (TTM)
- $72.68M
- Year Range
- $24.53 - $35.30
- ROA (TTM)
- 1.69%
- ROE (TTM)
- 1.62%
Share Price Chart
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Performance
MCBS Performance Chart
MetroCity Bankshares, Inc. (MCBS) is up 31.0% since the beginning of the year. At $34 per share, MCBS is trading 3.2% below its 52-week high of $35. Investors who bought $1,000 worth of MCBS shares 5 years ago would now be looking at an investment worth $2,201.
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Returns By Period
MetroCity Bankshares, Inc. (MCBS) has returned 30.96% so far this year and 30.70% over the past 12 months.
MetroCity Bankshares, Inc.
- 1D
- -0.03%
- 1M
- 4.70%
- YTD
- 30.96%
- 6M
- 26.62%
- 1Y
- 30.70%
- 3Y*
- 27.66%
- 5Y*
- 17.09%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
MCBS Monthly Returns History
Based on dividend-adjusted daily data since Oct 19, 2017, MCBS's average daily return is +0.08%, while the average monthly return is +1.30%. At this rate, an investment would double in approximately 4.5 years.
Historically, 58% of months were positive and 42% were negative. The best month was Jun 2020 with a return of +24.0%, while the worst month was Sep 2019 at -44.6%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 5 months.
On a daily basis, MCBS closed higher 41% of trading days. The best single day was Aug 28, 2018 with a return of +18.3%, while the worst single day was Sep 4, 2019 at -50.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.14% | 0.60% | 2.03% | 12.57% | 2.09% | 4.59% | 30.96% | ||||||
| 2025 | -2.70% | -1.88% | -8.95% | 0.83% | 1.34% | 2.29% | -2.59% | 8.48% | -7.52% | -6.63% | 4.06% | -0.41% | -14.09% |
| 2024 | 0.29% | 1.67% | 2.72% | -7.15% | 7.27% | 7.10% | 20.49% | -3.04% | -0.10% | -2.66% | 16.09% | -6.96% | 37.09% |
| 2023 | -5.66% | -0.25% | -15.27% | -4.33% | 1.64% | 8.89% | 19.84% | -8.29% | 0.92% | 2.76% | -0.30% | 20.22% | 15.34% |
| 2022 | -6.32% | -5.19% | -3.41% | -13.20% | 0.39% | 0.00% | 1.97% | -2.77% | -1.75% | 13.29% | 1.81% | -3.87% | -19.27% |
| 2021 | -1.25% | 1.05% | 7.63% | 4.10% | 8.17% | 1.74% | 14.05% | 4.33% | 1.26% | 12.06% | 15.16% | 2.34% | 95.79% |
Benchmark Metrics
MetroCity Bankshares, Inc. has an annualized alpha of 7.95%, beta of 0.84, and R2 of 0.15 versus S&P 500 Index. Calculated based on daily prices since October 19, 2017.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (57.58%) than losses (54.26%) - typical of diversified or defensive assets.
- R2 of 0.15 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 7.95%
- Beta
- 0.84
- R²
- 0.15
- Upside Capture
- 57.58%
- Downside Capture
- 54.26%
Return for Risk
Risk / Return Rank
MCBS ranks 73 for risk / return — better than 73% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for MetroCity Bankshares, Inc. (MCBS) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| MCBS | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.82 | ||
| Sortino ratioReturn per unit of downside risk | -0.89 | ||
| Omega ratioGain probability vs. loss probability | 1.22 | 1.37 | -0.15 |
| Calmar ratioReturn relative to maximum drawdown | 1.75 | 2.78 | -1.03 |
| Martin ratioReturn relative to average drawdown | 4.25 | 12.44 | -8.19 |
Dividends
Dividend History
MetroCity Bankshares, Inc. provided a 3.04% dividend yield over the last twelve months, with an annual payout of $1.04 per share. The company has been increasing its dividends for 5 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.04 | $0.96 | $0.83 | $0.72 | $0.60 | $0.46 | $0.40 | $0.73 | $0.76 | $0.15 |
Dividend yield | 3.04% | 3.62% | 2.60% | 3.00% | 2.77% | 1.67% | 2.77% | 4.17% | 2.30% | 0.75% |
Monthly Dividends
The table displays the monthly dividend distributions for MetroCity Bankshares, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.25 | $0.00 | $0.29 | $0.00 | $0.00 | $0.54 | ||||||
| 2025 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.96 |
| 2024 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.83 |
| 2023 | $0.18 | $0.00 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.18 | $0.00 | $0.00 | $0.72 |
| 2022 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.60 |
| 2021 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.14 | $0.00 | $0.46 |
Dividend Yield & Payout
Dividend Yield
MetroCity Bankshares, Inc. has a dividend yield of 3.04%, which is quite average when compared to the overall market.
Payout Ratio
MetroCity Bankshares, Inc. has a payout ratio of 25.43%, which is quite average when compared to the overall market. This suggests that MetroCity Bankshares, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the MetroCity Bankshares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the MetroCity Bankshares, Inc. was 73.23%, occurring on May 14, 2020. Recovery took 1046 trading sessions.
The current MetroCity Bankshares, Inc. drawdown is 1.13%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2020 bear market2020 | -73.23%May 2020 | 1y 3mo | 4y 2mo | 5y 5moJan 2019 - Jul 2024 |
2025 selloff2025 | -27.98%Apr 2025 | 4mo 23d | 1y 2mo | 1y 6moNov 2024 - Jun 2026 |
2024 correction2024 | -16.24%Aug 2024 | 12d | 2mo 6d | 2mo 18dJul 2024 - Oct 2024 |
2024 pullback2024 | -8.45%Oct 2024 | 7d | 12d | 19dOct 2024 - Nov 2024 |
2024 pullback2024 | -4.25%Nov 2024 | 0s | 4d | 4dNov 2024 - Nov 2024 |
Drawdown Indicators
| MCBS | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -73.23% | -56.78% | -16.45% |
Max Drawdown (1Y)Largest decline over 1 year | -17.58% | -9.10% | -8.48% |
Max Drawdown (3Y)Largest decline over 3 years | -27.98% | -18.90% | -9.08% |
Max Drawdown (5Y)Largest decline over 5 years | -48.72% | -25.43% | -23.29% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -1.13% | -1.80% | +0.67% |
Average DrawdownAverage peak-to-trough decline | -24.77% | -10.71% | -14.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.25% | 2.03% | +5.22% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of MetroCity Bankshares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how MetroCity Bankshares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for MCBS, comparing it with other companies in the Banks - Regional industry. Currently, MCBS has a P/E ratio of 12.3. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for MCBS compared to other companies in the Banks - Regional industry. MCBS currently has a PEG ratio of 3.1. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for MCBS relative to other companies in the Banks - Regional industry. Currently, MCBS has a P/S ratio of 5.1. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for MCBS in comparison with other companies in the Banks - Regional industry. Currently, MCBS has a P/B value of 0.2. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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