MetroCity Bankshares, Inc. (MCBS) Key Metrics
MCBS valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $1.01B
- Enterprise value
- $1.13B
- P/E (TTM)
- 12.2 10-yr median 10.2
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 5.5 10-yr median 3.6
- Price / book
- 1.7 10-yr median 1.6
- EV / EBITDA
- — 10-yr median 8.7
- Dividend yield
- 3.07% $1.08 a year
- Beta
- 0.71
MCBS key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsMCBS valuation Price multiples at each fiscal year-end price.
MCBS returns How much profit the business earns on the capital it uses.
MCBS per-share figures Results divided by the shares outstanding at year-end.
MCBS financial health Debt, liquidity and how easily interest is covered.
MCBS efficiency & capital use Working capital cycle and where the cash goes.
MCBS valuation history
MCBS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
MCBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
MCBS cash returned to shareholders
MCBS price vs earnings per share
MCBS key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $690.2M | $817.3M | $613.0M | $555.7M | $710.0M | $372.0M | $433.0M | — | — | — |
| Enterprise value | $812.8M | $946.6M | $787.8M | $769.7M | $762.0M | $334.6M | $222.4M | — | — | — |
| P/E ratio | 10.0 | 12.7 | 11.9 | 8.9 | 11.5 | 10.2 | 9.7 | — | — | — |
| Price / sales | 2.9 | 3.5 | 5.3 | 3.4 | 5.1 | 3.6 | 3.6 | — | — | — |
| Price / book | 1.3 | 1.9 | 1.6 | 1.6 | 2.4 | 1.5 | 2.0 | — | — | — |
| Price / free cash flow | 5.0 | 13.1 | 7.9 | 4.2 | 10.9 | 2.6 | 13.9 | — | — | — |
| Price / operating cash flow | 5.0 | 12.9 | 7.5 | 4.1 | 10.9 | 2.6 | 13.4 | — | — | — |
| EV / sales | 3.4 | 4.0 | 6.8 | 4.7 | 5.5 | 3.2 | 1.8 | — | — | — |
| EV / EBITDA | 8.7 | 10.5 | 10.9 | 8.1 | 8.9 | 6.5 | 3.5 | — | — | — |
| EV / free cash flow | 5.9 | 15.2 | 10.2 | 5.8 | 11.7 | 2.4 | 7.2 | — | — | — |
| Earnings yield | 10.0% | 7.9% | 8.4% | 11.3% | 8.7% | 9.8% | 10.3% | — | — | — |
| Free cash flow yield | 19.9% | 7.6% | 12.6% | 23.8% | 9.2% | 38.2% | 7.2% | — | — | — |
| Dividend yield | 3.6% | 2.6% | 3.0% | 2.8% | 1.7% | 2.8% | 2.4% | — | — | — |
| Shareholder yield (dividends + buybacks) | 4.0% | 2.6% | 3.3% | 4.2% | 2.4% | 3.7% | 2.7% | — | — | — |
| Share price at fiscal year-end | $26.54 | $31.95 | $24.02 | $21.63 | $27.53 | $14.42 | $17.51 | — | — | — |
| Per share | ||||||||||
| Revenue per share | $9.11 | $9.16 | $4.53 | $6.32 | $5.40 | $3.99 | $4.89 | $4.37 | $3.85 | $2.70 |
| Earnings per share | $2.64 | $2.52 | $2.02 | $2.44 | $2.39 | $1.41 | $1.81 | $1.69 | $1.32 | $0.86 |
| Operating cash flow per share | $5.27 | $2.48 | $3.22 | $5.24 | $2.54 | $5.53 | $1.30 | −$6.58 | $6.29 | −$5.94 |
| Free cash flow per share | $5.27 | $2.43 | $3.02 | $5.15 | $2.52 | $5.50 | $1.26 | −$6.69 | $6.04 | −$6.09 |
| Cash per share | $16.07 | $9.92 | $6.30 | $6.63 | $17.77 | $6.16 | $11.57 | $6.09 | $4.78 | $3.88 |
| Book value per share | $20.93 | $16.47 | $14.95 | $13.60 | $11.25 | $9.49 | $8.76 | $6.89 | $5.60 | $4.54 |
| Tangible book value per share | $18.29 | $16.42 | $14.90 | $13.45 | $10.95 | $8.99 | $8.03 | $6.28 | $5.31 | $4.54 |
| Dividends per share | $0.96 | $0.82 | $0.71 | $0.60 | $0.46 | $0.40 | $0.42 | $0.38 | $0.22 | $0.16 |
| Capex per share | $0.03 | $0.05 | $0.19 | $0.09 | $0.01 | $0.02 | $0.04 | $0.12 | $0.24 | $0.15 |
| Debt per share | $20.79 | $14.97 | $13.15 | $14.96 | $19.79 | $4.71 | $3.06 | $0.17 | $5.39 | $4.82 |
| Shares outstanding | 26.0M | 25.6M | 25.5M | 25.7M | 25.8M | 25.8M | 24.7M | 24.5M | 24.1M | 23.6M |
| Change in shares outstanding | +1.7% | +0.2% | −0.7% | −0.4% | −0.0% | +4.3% | +1.0% | +1.4% | +2.1% | 0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 14.2% | 16.1% | 14.1% | 19.6% | 23.1% | 15.8% | 23.2% | 27.2% | 26.3% | 20.5% |
| Return on invested capital (ROIC) | 11.3% | 11.7% | 9.2% | 13.8% | 22.5% | 34.1% | 299.6% | 47.7% | 22.8% | 24.6% |
| Return on assets (ROA) | 1.6% | 1.8% | 1.5% | 1.9% | 2.5% | 2.1% | 2.9% | 3.0% | 2.7% | 2.3% |
| Return on tangible assets | 1.5% | 1.8% | 1.5% | 1.8% | 2.0% | 1.9% | 2.8% | 2.9% | 2.5% | 1.8% |
| Free cash flow margin | 57.8% | 26.5% | 66.7% | 81.5% | 46.7% | 137.9% | 25.7% | −153.1% | 157.0% | −225.7% |
| Income quality (OCF / net income) | 1.99 | 0.98 | 1.59 | 2.15 | 1.06 | 3.92 | 0.72 | −3.89 | 4.76 | −6.95 |
| Financial health | ||||||||||
| Total debt | $540.6M | $382.9M | $335.5M | $384.3M | $510.3M | $121.4M | $75.6M | $4.3M | $130.1M | $114.0M |
| Cash & short-term investments | $418.0M | $253.7M | $160.6M | $170.2M | $458.3M | $158.9M | $286.2M | $149.2M | $115.4M | $91.7M |
| Net debt | $122.6M | $129.2M | $174.8M | $214.1M | $52.1M | −$37.5M | −$210.6M | −$144.9M | $14.7M | $22.3M |
| Debt / equity | 0.99 | 0.91 | 0.88 | 1.10 | 1.76 | 0.50 | 0.35 | 0.03 | 0.96 | 1.06 |
| Debt / assets | 0.11 | 0.11 | 0.10 | 0.11 | 0.16 | 0.06 | 0.05 | 0.00 | 0.10 | 0.10 |
| Net debt / EBITDA | 1.32 | 1.43 | 2.43 | 2.25 | 0.61 | −0.72 | −3.31 | −2.55 | 0.29 | 0.68 |
| Current ratio | 28.64 | 0.10 | 0.06 | 0.07 | 0.21 | 0.11 | 0.22 | 0.12 | — | 0.11 |
| Quick ratio | 28.64 | 0.10 | 0.02 | 0.14 | 0.41 | 0.22 | 0.45 | 0.12 | — | 0.11 |
| Interest coverage | 1.0 | 0.9 | 0.8 | 3.3 | 18.1 | 4.2 | 2.7 | 3.8 | 5.8 | 6.2 |
| Working capital | $423.0M | −$2.47B | −$2.56B | −$2.49B | −$1.79B | −$1.34B | −$1.02B | −$1.09B | $1.25B | −$775.8M |
| Invested capital | $667.0M | $550.6M | $556.3M | $563.5M | $342.3M | $207.4M | $6.1M | $23.7M | $149.8M | $129.6M |
| Tangible asset value | $475.7M | $419.9M | $380.2M | $345.4M | $282.5M | $231.8M | $198.7M | $153.7M | $128.3M | $107.3M |
| Net current asset value | −$3.79B | −$2.90B | −$2.95B | −$2.89B | −$2.35B | −$1.48B | −$1.12B | −$1.11B | $94.8M | −$897.3M |
| Graham number | $35.27 | $30.57 | $26.08 | $27.31 | $24.61 | $17.36 | $18.88 | $16.18 | $12.90 | $9.34 |
| Graham net-net per share | −$145.77 | −$113.64 | −$113.08 | −$116.63 | −$99.94 | −$60.79 | −$51.50 | −$45.40 | −$42.87 | −$37.99 |
| Capital allocation | ||||||||||
| Dividends paid | $24.8M | $21.1M | $18.2M | $15.3M | $11.8M | $10.3M | $10.4M | $9.3M | $5.4M | $3.8M |
| Share buybacks (net) | $2.7M | $10,000 | $2.0M | $8.2M | $5.5M | $3.4M | $1.5M | — | $0 | $0 |
| Dividend payout ratio | 36.2% | 32.6% | 35.3% | 24.4% | 19.1% | 28.3% | 23.2% | 22.5% | 16.9% | 18.6% |
| Dividends + buybacks / free cash flow | 20.1% | 33.9% | 26.2% | 17.7% | 26.7% | 9.7% | 38.1% | — | 3.7% | — |
| Capex / revenue | 0.3% | 0.5% | 4.3% | 1.5% | 0.3% | 0.5% | 0.9% | 2.7% | 6.4% | 5.4% |
| Capex / operating cash flow | 0.5% | 2.0% | 6.0% | 1.7% | 0.6% | 0.4% | 3.4% | — | 3.9% | — |
| Capex / depreciation | 0.19 | 0.43 | 1.84 | 0.61 | 0.14 | 0.18 | 0.40 | 3.18 | 9.97 | 5.94 |
| Stock-based compensation / revenue | 1.2% | 1.1% | 2.1% | 1.2% | 1.0% | 1.8% | 1.3% | 1.4% | 0.8% | 0.8% |
| SG&A / revenue | 17.9% | 15.4% | 26.9% | 20.3% | 23.0% | 26.0% | 23.2% | 24.4% | 20.0% | 25.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 27.8 | 24.1 | 44.7 | 27.2 | 28.5 | 28.0 | 15.2 | 16.6 | 16.7 | 16.8 |
| Days of inventory on hand | — | — | -139.8 | -4,797.2 | -9,857.5 | -5,639.2 | -4,873.7 | — | — | — |
| Days payables outstanding | 28.8 | 14.6 | 13.7 | 21.6 | 6.8 | 13.6 | 17.6 | 18.9 | 11.8 | 19.3 |
| Cash conversion cycle (days) | -1.0 | 9.5 | -108.9 | -4,791.6 | -9,835.8 | -5,624.9 | -4,876.1 | -2.4 | 4.9 | -2.4 |
| Receivables turnover | 13.11 | 15.13 | 8.17 | 13.40 | 12.82 | 13.06 | 24.04 | 22.04 | 21.80 | 21.67 |
| Payables turnover | 12.66 | 24.97 | 26.58 | 16.88 | 54.00 | 26.90 | 20.77 | 19.27 | 30.88 | 18.93 |
| Asset turnover | 0.06 | 0.07 | 0.03 | 0.05 | 0.06 | 0.06 | 0.08 | 0.08 | 0.08 | 0.07 |
| Average receivables | $18.1M | $15.5M | $14.1M | $12.1M | $10.9M | $7.9M | $5.0M | $4.9M | $4.3M | $2.9M |
| Average payables | $7.1M | $3.8M | $3.4M | $1.5M | $213,000 | $556,000 | $1.1M | $825,780 | $378,154 | $276,737 |
| Average inventory | — | — | −$35.0M | −$326.5M | −$310.6M | −$231.1M | −$296.9M | — | — | — |
| Intangibles / total assets | 1.4% | 0.0% | 0.0% | 0.1% | 0.2% | 0.7% | 1.1% | 1.0% | 0.5% | 0.0% |
Computed from MCBS's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
MCBS valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), MetroCity Bankshares traded at 10.0 times earnings, against a 10-year median of 10.2. Based on the latest twelve months, the trailing P/E is 12.2. MetroCity Bankshares earned a return on equity of 14.2% and a return on invested capital of 11.3% in fiscal 2025. It ended the year with $540.6 million of debt and $418.0 million in cash and short-term investments, net debt of $122.6 million. It returned $27.6 million to shareholders: $24.8 million in dividends and $2.7 million in share buybacks, 20% of free cash flow. The share count rose 10.0% from 23.6M to 26.0M over 9 years.
See the MCBS income statement, the MCBS chart for price history, or the MCBS stock overview for the latest quote and news.
MCBS key metrics FAQ
What is MetroCity Bankshares's P/E ratio?
MetroCity Bankshares's trailing P/E ratio is 12.2 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 10.0, compared with a 10-year median of 10.2.
What is MetroCity Bankshares's EV/EBITDA?
MetroCity Bankshares's enterprise value was 8.7 times EBITDA at the end of fiscal 2025 (enterprise value $812.8 million, EBITDA $92.9 million).
What is MetroCity Bankshares's return on equity?
MetroCity Bankshares's return on equity (ROE) was 14.2% in fiscal 2025: net income of $68.7 million on average shareholders' equity of $482.9 million.
What is MetroCity Bankshares's ROIC?
MetroCity Bankshares's return on invested capital was 11.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does MetroCity Bankshares have?
MetroCity Bankshares had total debt of $540.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.99 and $122.6 million of net debt (1.32 times EBITDA).
What is MetroCity Bankshares's dividend yield?
MetroCity Bankshares's forward dividend yield is 3.07%. MetroCity Bankshares paid $24.8 million in dividends in fiscal 2025 ($0.96 per share), a payout ratio of 36.2%.
Does MetroCity Bankshares buy back its shares?
Yes. MetroCity Bankshares spent $2.7 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.7% over the year, to 26.0M..
What is MetroCity Bankshares's free cash flow yield?
MetroCity Bankshares generated $137.0 million of free cash flow in fiscal 2025, a free cash flow yield of 19.9% on its market value at year-end ($690.2 million).
What is MetroCity Bankshares's current ratio?
MetroCity Bankshares's current ratio was 28.64 at the end of fiscal 2025: current assets were 28.64 times current liabilities.