Stocks · Financial Services · Banks - Regional
MetroCity Bankshares, Inc. MCBS
$35.07 -0.45% Close, Oct 5, 2026 · NASDAQ · Market cap $1.01B
Strong growthStrong trend
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 12.7% in a year.
- The stock is in an uptrend: above its 200-day average for 136 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $262.5M, up 11.9% from a year earlier, accelerating from 7.4% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 34%
- EPS growth (TTM, YoY)Bottom 41%
- FCF growth (TTM, YoY)Top 14%
- Revenue growth, 3-year CAGRBottom 45%
- Revenue growth accelerationTop 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 7%
- Gross marginBottom 42%
- Operating marginTop 18%
- Cash conversion (OCF / net income)Bottom 35%
- Accruals (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 48%
- Interest coverBottom 49%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 35%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 36%
- Sales / enterprise valueBottom 30%
- P/E vs own 5-year history (lower is better)Bottom 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 31%
- Trend checklist (0–4)Top 26%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 20%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 50%
- Maximum drawdown, 3 yearsBottom 46%
- Beta vs S&P 500 (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 48%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.4% | 11.9% | ↑ |
| EPS growth (YoY) | 7.8% | 12.5% | ↑ |
| Gross margin | 61.3% | 62.3% | ↑ |
| Operating margin | 38.0% | 36.5% | ↓ |
| FCF margin | 14.2% | 28.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.9% | 7.4% | ↑ | Top 34% |
| EPS growth (TTM, YoY) | 12.5% | 7.8% | ↑ | Bottom 41% |
| Gross margin | 62.3% | 61.3% | ↑ | Bottom 42% |
| Operating margin | 36.5% | 38.0% | ↓ | Top 18% |
| Net margin | 30.5% | 28.2% | ↑ | — |
| Free-cash-flow margin | 28.5% | 14.2% | ↑ | — |
| Return on invested capital | 17.2% | — | Top 7% | |
| Revenue growth, 3-year CAGR | 13.5% | — | Bottom 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +9.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.45×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.84%
- Net buyback yield (TTM)
- 0.73%
- Shareholder yield
- 3.58%
- Share count change, 1 year
- +12.7%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -4.7%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | -6.2% | +1.3% | -3.1% | -1.7% | — |
| Apr 24, 2026 | +0.0% | -0.3% | +1.3% | +3.7% | +15.0% |
| Jan 30, 2026 | -6.8% | +2.8% | +9.3% | +2.5% | +19.1% |
| Oct 17, 2025 | -5.6% | +2.2% | +1.9% | +1.9% | +4.0% |
| Jul 18, 2025 | +3.2% | -0.1% | +1.1% | -1.8% | -10.5% |
| Apr 18, 2025 | +3.3% | +1.9% | +2.3% | +8.2% | +7.3% |
| Jan 21, 2025 | +3.3% | +2.1% | -0.2% | -0.0% | -16.2% |
| Oct 18, 2024 | +1.6% | -2.0% | -7.0% | +5.1% | -1.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.76 | $0.81 | -6.2% | $49.8M |
| Apr 24, 2026 | $0.77 | $0.77 | +0.0% | $50.8M |
| Jan 30, 2026 | $0.68 | $0.73 | -6.8% | $43.7M |
| Oct 17, 2025 | $0.67 | $0.71 | -5.6% | $38.0M |
| Jul 18, 2025 | $0.65 | $0.63 | +3.2% | $37.9M |
| Apr 18, 2025 | $0.63 | $0.61 | +3.3% | $36.0M |
| Jan 21, 2025 | $0.63 | $0.61 | +3.3% | $35.4M |
| Oct 18, 2024 | $0.65 | $0.64 | +1.6% | $36.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 10.9× | 76th | Top 35% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 11.3× | — | — | Top 36% |
| EV / Sales | 4.41× | — | — | Bottom 30% |
| Free-cash-flow yield | 7.40% | — | — | Bottom 46% |
| Earnings yield | 8.21% | — | — | Top 35% |
P/E over the past five years
Range 6.1× – 14.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.3%
- Earnings per share growth (TTM)
- +12.5%
- Change in P/E multiple
- +15.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 136
- 50-day average slope (20 days)
- -1.2%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -0.7%
- Distance from 200-day average
- +9.7%
- RSI (14)
- 50.3
- Relative volume
- 1.26×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.85
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -5.4%
- Maximum drawdown, 3 years
- -30.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | May 4, 2023 | -51.1% | 331 days | 303 days (Jul 19, 2024) |
| Nov 11, 2024 | Nov 18, 2025 | -30.3% | 255 days | 150 days (Jun 26, 2026) |
| Jul 30, 2024 | Aug 12, 2024 | -16.8% | 9 days | 47 days (Oct 17, 2024) |
| Mar 12, 2021 | Apr 20, 2021 | -14.1% | 26 days | 22 days (May 20, 2021) |
| Dec 8, 2021 | Dec 21, 2021 | -12.9% | 9 days | 12 days (Jan 7, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.01B
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $2.88
- Revenue (TTM)
- $262.5M
- Dividend yield
- 3.08%
- 52-week range
- $24.53 – $37.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $139.2M | $162.3M | $209.4M | $234.4M | $237.0M |
| Gross profit | $127.7M | $137.4M | $118.0M | $139.1M | $147.0M |
| Operating income | $82.6M | $91.2M | $72.0M | $87.3M | $92.9M |
| Net income | $61.7M | $62.6M | $51.6M | $64.5M | $68.7M |
| EPS (diluted) | $2.39 | $2.55 | $2.02 | $2.52 | $2.64 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $60.4M | $56.4M | $58.0M | $59.8M | $60.2M | $60.9M | $71.0M | $70.4M |
| Net income | $16.7M | $16.2M | $16.3M | $16.8M | $17.3M | $18.3M | $22.3M | $22.1M |
| EPS (diluted) | $0.65 | $0.63 | $0.63 | $0.65 | $0.67 | $0.68 | $0.77 | $0.76 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $65.4M | $134.7M | $82.1M | $63.5M | $137.0M |
| Capital expenditure | -$384,000 | -$2.4M | -$4.9M | -$1.3M | -$674,000 |
| Free cash flow | $65.0M | $132.3M | $77.2M | $62.2M | $137.0M |
| Dividends paid | -$11.8M | -$15.3M | -$18.2M | -$21.1M | -$24.8M |
| Net share buybacks | -$5.5M | -$8.2M | -$2.0M | -$10,000 | -$3.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $280.6M
- Total assets
- $4.52B
- Total liabilities
- $3.95B
- Total debt
- $403.3M
- Net debt
- $148.9M
- Shareholders’ equity
- $567.9M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 29, 2026 | $0.29 | Aug 7, 2026 |
| Apr 29, 2026 | $0.29 | May 8, 2026 |
| Feb 4, 2026 | $0.25 | Feb 13, 2026 |
| Oct 29, 2025 | $0.25 | Nov 7, 2025 |
| Jul 30, 2025 | $0.25 | Aug 8, 2025 |
| Apr 30, 2025 | $0.23 | May 9, 2025 |
| Jan 29, 2025 | $0.23 | Feb 7, 2025 |
| Oct 30, 2024 | $0.23 | Nov 8, 2024 |
Short interest
- Shares sold short
- 826,370
- Days to cover
- 13.13
- Change vs previous report
- +4.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 3, 2019
- 2-for-1