MetroCity Bankshares Inc. (MCBS) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, MetroCity Bankshares Inc. (NASDAQ: MCBS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $36.70 (+2.34% 1D, market cap $1.03B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCBS ranks #338 in composite RQD confidence.
Within the Financials sector (Major Banks), MCBS carries a Roarable C (62/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 12.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a D+ grade (56/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.03B) and BFST (Business First Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 11.8x, ROIC 9.8%, cap $1.04B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).
Per MCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001747068), MetroCity Bankshares Inc. generated $2.00B in revenue (+32.7% YoY), $68.5M in net income, and $37.0M in free cash flow against $4.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±4.4% realized swing band)
Capital intensity & 0% operating margin leave 11 pts on the table
Even with a 62/100 (C) score, MCBS faces multiple-compression risk if 15.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($35.12) or 200D SMA ($32.82) invalidates the momentum regime and cuts Target Base ($37.36) toward Bear Floor ($29.14).
MetroCity Bankshares Inc. (MCBS) surged +2.34% to $36.70, trading at 94% of its 52-week range ($24.53 – $37.46). Solid steady margins (13% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
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Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MCBS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MCBS. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, MetroCity Bankshares Inc. (MCBS) ranks #338 by composite RQD confidence (62/100, grade C) and #543 by equity capitalization ($1.03B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. BFST currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with MCBS at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| MCBS
ACTIVE
MetroCity Bankshares Inc. | C | 62/100 | 15.1x | — | 12.6% | +2.34% | $1.03B | Benchmark Subject |
| MBWM Mercantile Bank Corporation | D+ | 56/100 | 11.8x | — | 12.2% | +2.32% | $1.03B | /mbwm-vs-mcbs → |
| BFST Business First Bancshares Inc. | B- | 70/100 | 11.8x | — | 9.8% | +2.89% | $1.04B | /bfst-vs-mcbs → |
| EGBN Eagle Bancorp Inc. | D+ | 54/100 | — | — | -12.2% | +2.67% | $1.01B | /egbn-vs-mcbs → |
| CCNE CNB Financial Corporation | C | 65/100 | 16.0x | — | 7.6% | +3.10% | $1.05B | /ccne-vs-mcbs → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), MetroCity Bankshares Inc. (MCBS) reported GAAP revenue of $2.00B (+32.7% vs. FY2024 revenue of $1.51B , and +541.9% cumulative change since FY2023) , GAAP net income of $68.5M, operating cash flow of $37.7M, and free cash flow of $37.0M (-40.5% YoY). On the balance sheet, MCBS closed FY2025 with $4.77B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.00B | $68.5M | $37.7M | $37.0M | $4.77B | — |
| FY2024 (FY) | 2024-12-31 | $1.51B | $64.5M | $63.5M | $62.2M | $3.59B | — |
| FY2023 (FY) | 2023-12-31 | $312.0M | $51.6M | $82.1M | $82.1M | — | — |
As of 2026-11-03, MetroCity Bankshares Inc. (NASDAQ: MCBS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $36.70 (+2.34% 1D, market cap $1.03B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCBS ranks #338 in composite RQD confidence.
Within the Financials sector (Major Banks), MCBS carries a Roarable C (62/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 12.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a D+ grade (56/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.03B) and BFST (Business First Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 11.8x, ROIC 9.8%, cap $1.04B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).
Per MCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001747068), MetroCity Bankshares Inc. generated $2.00B in revenue (+32.7% YoY), $68.5M in net income, and $37.0M in free cash flow against $4.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
MCBS last traded at $36.70 (+2.34% on volume of 121,910 shares), positioning the stock +4.50% above its 50-day simple moving average ($35.12) and +11.82% above its 200-day simple moving average ($32.82). Across its 52-week range of $24.53 to $37.46, MCBS sits at the 94.1% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($35.09 to $38.31).
MCBS scores 62 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." Across the five pillars, the Fundamental Cash Engine scores 9 of 20 (ROIC 12.6%; FCF yield 3.57%), which is the weakest pillar and signals that the cash-generation case is modest relative to the rating's scale. Whale/13F Flow scores 13 of 20 for institutional accumulation and options positioning, a middling reading. Insider Conviction is the strongest pillar at 16 of 20, reflecting SEC Form 4 and Congressional PTR cluster flow. Macro Regime Fit scores 11 of 20, consistent with a Beta of 1.0 and the sector sensitivity noted in the rating. Forensic Balance Sheet scores 13 of 20, citing an Altman Z of 2.5, a Piotroski F of 4/9, and a Debt/Equity of 0.5.
For a prospective investor evaluating the stock today, the upside case rests mainly on insider and flow signals rather than on the cash engine, which the rating scores lowest. The valuation tradeoff is that a 15.1 trailing P/E and 14 forward P/E sit against a 3.57% FCF yield, so the market is pricing earnings more richly than free cash flow alone supports. The rating's own verdict of "Hold" reflects this balance: no single pillar is decisively negative, but none is strongly positive either. This is educational framing of the rating, not personalized advice.
. Is a NASDAQ-listed issuer in the Financials sector and Major Banks industry, with a market capitalization of $1.0B. How the company makes money is —
Reported net income rose from $51.6M (FY 2023) to $64.5M (FY 2024) and $68.5M (FY 2025), while FCF declined from $82.1M to $62.2M to $37.0M over the same span. Cash grew from $249.9M to $383.7M across FY 2024 to FY 2025. Revenue, operating income, and debt are reported as — or N/A and cannot be assessed. ROIC is 12.6%. The Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5.
Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context provided is the Financials sector and Major Banks industry classification.
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Yahoo! Finance Canada report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering MetroCity Bankshares Inc. (MCBS) market action, institutional positioning, and fundamental catalysts.
Long MCBS at $35.86 targeting $43.03. Insider conviction scores 16 of 20 and net income rose from $51.6M to $68.5M over FY 2023–FY 2025 while the stock trades at 15.1x trailing earnings.. Institutional whale score is 13/20 and the risk/reward vs. the $24.53 52-week low is skewed heavily in favor of bulls.
@TapeReader_Pro Agree on the RQD 62/100 quality, though with 1.0 beta I'm scaling in with half-size at $35.86 and keeping dry powder in case we test $33.35.
Sitting on the sidelines or leaning short MCBS above $35.86. Free cash flow fell from $82.1M to $37.0M over FY 2023–FY 2025 and the Fundamental Cash Engine pillar scores only 9 of 20.. Until Fundamental Cash Engine (9/20) and FCF yield (3.57%) inflect higher, upside is capped near $37.46.
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