MetroCity Bankshares (MCBS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
MetroCity Bankshares stock (MCBS) is currently trading at $28.59. MetroCity Bankshares PE ratio is 10.42. MetroCity Bankshares PS ratio (Price-to-Sales) is 5.08. Analyst consensus price target for MCBS is $31.00. WallStSmart rates MCBS as Hold.
- MCBS PE ratio analysis and historical PE chart
- MCBS PS ratio (Price-to-Sales) history and trend
- MCBS intrinsic value — DCF, Graham Number, EPV models
- MCBS stock price prediction 2025 2026 2027 2028 2029 2030
- MCBS fair value vs current price
- MCBS insider transactions and insider buying
- Is MCBS undervalued or overvalued?
- MetroCity Bankshares financial analysis — revenue, earnings, cash flow
- MCBS Piotroski F-Score and Altman Z-Score
- MCBS analyst price target and Smart Rating
MetroCity Bankshares
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MCBS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · MetroCity Bankshares (MCBS)
MCBS trades at a significant discount to its Graham intrinsic value of $53.01, offering a 45% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
MetroCity Bankshares (MCBS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Fundamentals are solid but monitor weak areas for improvement.
MetroCity Bankshares (MCBS) Key Strengths (4)
Keeps $62 of every $100 in revenue after operating costs
Keeps $44 of every $100 in revenue as net profit
Trading at 1.46x book value, attractively priced
Strong revenue growth at 24.30% annually
Supporting Valuation Data
MetroCity Bankshares (MCBS) Areas to Watch (5)
Premium valuation at 5.1x annual revenue
Modest earnings growth at 8.30%
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Supporting Valuation Data
MetroCity Bankshares (MCBS) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.46) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 61.50%, Profit Margin at 44.00%. Growth metrics are encouraging with Revenue Growth at 24.30%.
The Bear Case
The primary concerns are Price/Sales, EPS Growth, Institutional Own.. Some valuation metrics including Price/Sales (5.08) suggest expensive pricing. Growth concerns include EPS Growth at 8.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 24.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Price/Sales, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MCBS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MCBS's Price-to-Sales ratio of 5.08x sits near its historical average of 5.45x (50th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 50% below its historical high of 10.23x set in Aug 2018, and 111% above its historical low of 2.41x in Apr 2020. Over the past 12 months, the PS ratio has expanded from ~3.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for MetroCity Bankshares (MCBS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
MetroCity Bankshares is a strong growth company balancing expansion with improving profitability. Revenue reached 156M with 24% growth year-over-year. Profit margins are strong at 44.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1420.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 44.0% and operating margin of 61.5% demonstrate strong pricing power and operational efficiency.
Free cash flow is -1,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can MetroCity Bankshares maintain 24%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 339.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact MetroCity Bankshares.
Bottom Line
MetroCity Bankshares offers an attractive blend of growth (24% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About MetroCity Bankshares(MCBS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
MetroCity Bankshares, Inc. is the banking holding company for Metro City Bank offering banking products and services in Georgia, United States. The company is headquartered in Doraville, Georgia.