# MetroCity Bankshares Inc. (MCBS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $35.79, market value $1.0 billion.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 10.1×, 3-yr avg 10.9×). MetroCity Bankshares Inc. trades at 12.4× trailing earnings, well above its own five-year average of 10.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.30**. A PEG of 2.30 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Return on equity: 12.6%**. 12.6% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 4.8%** (3-yr 2.7%/yr, 5-yr 13.4%/yr). Earnings per share rose 4.8%.
- **Free-cash-flow growth (3 yr): -34.6%/yr**. Free cash flow has compounded at -34.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 3.02%** ($1.04 per share, trailing). MetroCity Bankshares Inc. yields 3.02%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%**. 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 19.1%/yr** (1-yr 15.7%). The dividend has compounded at 19.1% a year over five years, doubling roughly every 4 years at that pace.

## Price and momentum
- **Total return (1 yr): 23.8%** (YTD 38.3%, 3-mo 6.8%). The shares are up 23.8% over twelve months including dividends.
- **From 52-week high: -4.5%** (45.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.47** (volatility 24%). Beta of 0.47 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MCBS · Page: https://foliofundamentals.com/stocks/mcbs

Not investment advice.