MCBS vs. NBN

Last updated Apr 2, 2026

Compare and contrast key facts about MetroCity Bankshares, Inc. (MCBS) and Northeast Bank (NBN).

Performance

MCBS vs. NBN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in MetroCity Bankshares, Inc. (MCBS) and Northeast Bank (NBN). The values are adjusted to include any dividend payments, if applicable.

MCBS vs. NBN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
MCBS MetroCity Bankshares, Inc.	10.62%	-14.09%	37.09%	15.34%	-19.27%	95.79%	-15.24%	-45.27%	70.90%	9.94%
NBN Northeast Bank	10.70%	13.35%	66.31%	31.21%	17.95%	58.86%	2.63%	31.69%	-27.59%	-13.26%

Fundamentals

Market Cap MCBS : $780.33M NBN : $966.91M
EPS MCBS : $2.63 NBN : $10.36
PE Ratio MCBS : 11.05 NBN : 11.11
PEG Ratio MCBS : 2.83 NBN : 1.24
PS Ratio MCBS : 4.27 NBN : 2.73
PB Ratio MCBS : 1.43 NBN : 1.80
Total Revenue (TTM) MCBS : $177.94M NBN : $355.21M
Gross Profit (TTM) MCBS : $112.30M NBN : $156.58M
EBITDA (TTM) MCBS : $72.24M NBN : $131.15M

Returns By Period

The year-to-date returns for both investments are quite close, with MCBS having a 10.62% return and NBN slightly higher at 10.70%.

MCBS

• 1D: 1.53%
• 1M: 2.32%
• YTD: 10.62%
• 6M: 6.65%
• 1Y: 9.14%
• 3Y*: 23.52%
• 5Y*: 17.07%
• 10Y*: —

NBN

• 1D: 2.38%
• 1M: 1.85%
• YTD: 10.70%
• 6M: 16.82%
• 1Y: 26.62%
• 3Y*: 50.72%
• 5Y*: 33.61%
• 10Y*: 27.18%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

MCBS vs. NBN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

MCBS

MCBS Risk / Return Rank: 50
MCBS Sharpe Ratio Rank: 53
MCBS Sortino Ratio Rank: 45
MCBS Omega Ratio Rank: 44
MCBS Calmar Ratio Rank: 53
MCBS Martin Ratio Rank: 53

NBN

NBN Risk / Return Rank: 61
NBN Sharpe Ratio Rank: 66
NBN Sortino Ratio Rank: 59
NBN Omega Ratio Rank: 58
NBN Calmar Ratio Rank: 62
NBN Martin Ratio Rank: 62

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

MCBS vs. NBN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for MetroCity Bankshares, Inc. (MCBS) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	MCBS	NBN	Difference
Sharpe ratio Return per unit of total volatility	0.34	0.72	-0.38
Sortino ratio Return per unit of downside risk	0.68	1.19	-0.51
Omega ratio Gain probability vs. loss probability	1.08	1.15	-0.07
Calmar ratio Return relative to maximum drawdown	0.53	0.93	-0.40
Martin ratio Return relative to average drawdown	1.23	2.28	-1.05
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

MCBS vs. NBN - Sharpe Ratio Comparison

The current MCBS Sharpe Ratio is 0.34, which is lower than the NBN Sharpe Ratio of 0.72. The chart below compares the historical Sharpe Ratios of MCBS and NBN, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	MCBS	NBN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.34	0.72	-0.38
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.53	1.03	-0.50
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.67	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.22	0.26	-0.05

Correlation

The correlation between MCBS and NBN is 0.42, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

MCBS vs. NBN - Dividend Comparison

MCBS's dividend yield for the trailing twelve months is around 3.37%, more than NBN's 0.03% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
MCBS MetroCity Bankshares, Inc.	3.37%	3.62%	2.60%	3.00%	2.77%	1.67%	2.77%	4.17%	2.30%	0.75%	0.00%	0.00%
NBN Northeast Bank	0.03%	0.04%	0.04%	0.07%	0.10%	0.11%	0.18%	0.18%	0.24%	0.17%	0.31%	0.38%

Drawdowns

MCBS vs. NBN - Drawdown Comparison

The maximum MCBS drawdown since its inception was -73.23%, roughly equal to the maximum NBN drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for MCBS and NBN.

Drawdown Indicators

	MCBS	NBN	Difference
Max Drawdown Largest peak-to-trough decline	-73.23%	-70.51%	-2.72%
Max Drawdown (1Y) Largest decline over 1 year	-17.58%	-27.57%	+9.99%
Max Drawdown (5Y) Largest decline over 5 years	-48.72%	-29.30%	-19.42%
Max Drawdown (10Y) Largest decline over 10 years	—	-70.25%	—
Current Drawdown Current decline from peak	-14.30%	-8.21%	-6.09%
Average Drawdown Average peak-to-trough decline	-25.31%	-23.83%	-1.48%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.60%	11.28%	-3.68%

Volatility

MCBS vs. NBN - Volatility Comparison

The current volatility for MetroCity Bankshares, Inc. (MCBS) is 5.78%, while Northeast Bank (NBN) has a volatility of 6.39%. This indicates that MCBS experiences smaller price fluctuations and is considered to be less risky than NBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MCBS	NBN	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.78%	6.39%	-0.61%
Volatility (6M) Calculated over the trailing 6-month period	17.61%	26.21%	-8.60%
Volatility (1Y) Calculated over the trailing 1-year period	27.11%	37.10%	-9.99%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.48%	32.92%	-0.44%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	41.41%	40.67%	+0.74%

Financials