Metrocity Bankshares

MCBS · NASDAQ

$34.89+$0.41 (+1.19%)TodayMarket closed · Oct 20, 4:14 PM ET

Prev close $34.48

MCBS analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 3 analysts

Average $38.76 (+11.1% upside)

Low: $38.38
Now: $34.89
High: $39.90

Upgrades and downgrades

The latest rating actions, newest first

MCBS analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Keefe, Bruyette & Woods	Apr 9, 2026	Maintains	Market Perform	$32.00 → $33.00	63%
Keefe, Bruyette & Woods	Mar 23, 2026	Maintains	Market Perform	$31.00 → $32.00	63%
Keefe, Bruyette & Woods	Oct 21, 2025	Maintains	Market Perform	$33.00 → $31.00	63%

The case for and against

Updated Jan 11, 2025

Bull case

MetroCity Bankshares Inc. has demonstrated a robust financial performance, reflected in a notable 15% increase in its quarterly dividend, now yielding 3% and supporting a healthy payout ratio. The bank's profitability is underscored by a projected 15% return on tangible common equity (ROTCE) for the upcoming fiscal years and a strong capital position, with a Common Equity Tier 1 (CET1) ratio of 19.1%. Additionally, the implementation of strategic interest rate swaps has led to significant margin expansion and a solid 25% growth in earnings per share (EPS), positioning the bank favorably within its competitive landscape.

Bear case

MetroCity Bankshares Inc. has experienced a notable decline in loan origination, with a 3% drop in loans quarter-over-quarter, exacerbated by the sale of $100mm in residential mortgage loans and a deferral of loan closings to the next quarter. Deposits also saw a significant reduction of 10% linked-quarter, contributing to an increase in the loan-to-deposit ratio to 113%, indicating potential liquidity risks. Furthermore, the overall banking sector is under strain, with pressures on net interest income leading to lower EPS estimates and a decline in both valuation and investor sentiment, which raises concerns about the company's future financial performance.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.