Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
MetroCity Bankshares (MCBS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: MCBS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 16.15% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 701.63M USD | Price to earnings Ratio 10.96 | 1Y Target Price 36 |
Price to earnings Ratio 10.96 | 1Y Target Price 36 | ||
Volume (30-day avg) 38646 | Beta 0.57 | 52 Weeks Range 21.25 - 35.89 | Updated Date 04/1/2025 |
52 Weeks Range 21.25 - 35.89 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 2.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.85% | Operating Margin (TTM) 59.94% |
Management Effectiveness
Return on Assets (TTM) 1.82% | Return on Equity (TTM) 16.07% |
Valuation
Trailing PE 10.96 | Forward PE - | Enterprise Value 811872704 | Price to Sales(TTM) 4.99 |
Enterprise Value 811872704 | Price to Sales(TTM) 4.99 | ||
Enterprise Value to Revenue 7.78 | Enterprise Value to EBITDA - | Shares Outstanding 25402800 | Shares Floating 18187122 |
Shares Outstanding 25402800 | Shares Floating 18187122 | ||
Percent Insiders 26.45 | Percent Institutions 24.52 |
Analyst Ratings
Rating 3 | Target Price 36 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
MetroCity Bankshares
Company Overview
History and Background
MetroCity Bankshares, Inc. was founded in 2006. It has grown through organic expansion and strategic acquisitions, focusing on serving the Korean-American community and other ethnic markets.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit.
- Retail Banking: Provides deposit accounts, personal loans, and other retail banking services to individuals and families.
- SBA Lending: Participates in the Small Business Administration (SBA) loan programs to support small businesses.
Leadership and Structure
The company is led by a board of directors and a management team with experience in banking and finance. The organizational structure includes various departments such as lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. While specific market share data is difficult to obtain, MetroCity Bankshares competes with other regional and national banks in this segment. Competitors include Bank of America (BAC) and Wells Fargo (WFC). Revenue from Commercial Real Estate Loans is significant portion of total revenue, but unavailable.
- SBA 7(a) Loans: Offers SBA 7(a) loans to small businesses. Market share data for MetroCity Bankshares in the SBA lending market is not publicly available. Competitors include Live Oak Bancshares (LOB) and Celtic Bank. Revenue is hard to calculate due to this segment being part of a larger pool
- Business Loans: Provides loans to businesses for various purposes, such as working capital, equipment financing, and expansion. Competitors include other regional and national banks, such as Truist Financial (TFC) and PNC Financial Services (PNC). Revenue is hard to calculate due to this segment being part of a larger pool
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
MetroCity Bankshares positions itself as a community bank with a focus on serving the Korean-American community and other ethnic markets. Its competitive advantages include its local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking in the US is substantial, estimated to be in the hundreds of billions of dollars. MetroCity Bankshares is positioned to capture a portion of this TAM by focusing on its niche markets.
Upturn SWOT Analysis
Strengths
- Strong presence in the Korean-American community
- Experienced management team
- Focus on customer service
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Relatively small size compared to larger banks
- Dependence on niche markets
- Higher operating costs
Opportunities
- Expansion into new markets
- Increased demand for SBA loans
- Growth in the Korean-American population
- Digital transformation of banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PACW
- CASH
- TCBI
Competitive Landscape
MetroCity Bankshares faces competition from larger regional and national banks, as well as other community banks. Its advantage lies in its focus on the Korean-American community, but it needs to compete on price and services to retain customers.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable. (Requires current real-time financial data to populate)
Future Projections: Future projection data unavailable. (Requires current real-time financial data to populate)
Recent Initiatives: Recent initiatives data unavailable. (Requires current real-time financial data to populate)
Summary
MetroCity Bankshares is a community bank focused on serving the Korean-American community, which provides a stable customer base and revenue stream. Limited diversification and relatively small size are key weakness as they rely on a niche. Growth opportunities exist in expansion into new markets and increased SBA loan demand. It is going up against larger banks and economic downturns.
Similar Companies
- PACW
- CASH
- TCBI
- FFWM
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MetroCity Bankshares
Exchange NASDAQ | Headquaters Doraville, GA, United States | ||
IPO Launch date 2017-10-19 | Chairman & CEO Mr. Nack Young Paek | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 240 | Website https://www.metrocitybank.bank |
Full time employees 240 | Website https://www.metrocitybank.bank | ||
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking accounts, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; letters of credit; and commercial and industrial, residential mortgage, and small business administration loans. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and telephone banking services. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company was founded in 2006 and is headquartered in Doraville, Georgia.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.