MetroCity Bankshares, Inc.

$ 34.17 1.01 %

MetroCity Bankshares, Inc. functions as the parent company for Metro City Bank, delivering a comprehensive suite of banking and financial solutions throughout the United States. Its services cater to a diverse client base, including individuals, small and medium-sized enterprises, larger businesses, and local government bodies. The bank facilitates a variety of deposit accounts, such as personal and business checking, savings, certificates of deposit, and money transfer capabilities. Furthermore, it extends credit through construction and development loans, commercial real estate financing, industrial and business loans, single-family home mortgages, Small Business Administration (SBA) loans, and other consumer credit products. Customers also benefit from modern conveniences like online banking, treasury management, wire transfers, automated clearing house (ACH) services, and broader cash management solutions. Founded in 2006 and headquartered in Doraville, Georgia, the company maintains a physical presence with 19 full-service branch locations spanning Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia.

CEO: Nack Young Paek - https://www.metrocitybank.bank

Price objectif

-

Recommandation

Hold

DCF

$ 33.47

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MCBS vs S&P500

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Quick ratio

134.88

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

12.29

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.78

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

15.09 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.49 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.33

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.79

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

2.29

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

35.07 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
0.49 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
127.94 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.09 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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