MetroCity Bankshares Expectations for 2026 | Price, Valuation & Forecast

MetroCity Bankshares

NasdaqGS:MCBS

$ 31,14

$-0,21 (-0,67%)

31,14 $

$-0,21 (-0,67%)

End-of-day quote: 04/10/2026

MetroCity Bankshares Stock Value

The analyst rating for NasdaqGS:MCBS is currently Hold.

Hold

MetroCity Bankshares Company Info

EPS Growth 5Y

14,46%

Market Cap

$0,90 B

Long-Term Debt

$0,51 B

Short Interest

5,61%

Quarterly earnings

04/17/2026

Dividend

$0,99

Dividend Yield

3,19%

Founded

2006

Industry

Financials

Country

United States

ISIN Number

US59165J1051

Website

http://www.metrocitybank.bank

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$33,00

5.97%

Last Update: 04/11/2026

Analysts: 1

Highest Price Target $33,00

Average Price Target $33,00

Lowest Price Target $33,00

In the last five quarters, MetroCity Bankshares’s Price Target has risen from $22,30 to $23,00 - a 3,14% increase. One analysts predict that MetroCity Bankshares’s share price will increase in the coming year, reaching $33,00. This would represent an increase of 5,97%.

Top growth stocks in the financials sector (5Y.)

What does MetroCity Bankshares do?

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides commercial banking products and services. The company operates full-service branch locations in multi-ethnic communities in Alabama, Florida, Georgia, New York, New Jersey, Texas and Virginia. The company is a full-service commercial bank focused on delivering personalized service in an efficient and reliable manner to the small- to medium-sized businesses and individuals in its markets, predominan...

The company is a full-service commercial bank focused on delivering personalized service in an efficient and reliable manner to the small- to medium-sized businesses and individuals in its markets, predominantly Asian-American communities in growing metropolitan markets in the Eastern U.S. and Texas. The company offers a suite of loan and deposit products tailored to meet the needs of the businesses and individuals already established in its communities, as well as first generation immigrants who desire to establish and grow their own businesses, purchase a home, or educate their children in the United States. Through its diverse and experienced management team and talented employees, the company is able to speak the language of its customers and provide them with services and products in a culturally competent manner.

Lending Activities

The company maintains a diversified loan portfolio based on the type of customer (i.e., businesses compared to individuals), type of loan product (e.g., construction and development loans, commercial real estate loans (both owner occupied and non-owner occupied), commercial and industrial loans, residential mortgage loans, SBA loans, etc.), geographic location and industries in which its business customers are engaged (e.g., retail, hospitality, etc.). The company principally focuses its lending activities on loans that it originates from borrowers located in its market areas. The company seeks to be the premier provider of lending products to the small to medium-sized businesses and individual borrowers in the communities that it serves. Lending activities primarily originate from the relationships and efforts of its bankers, with an emphasis on providing banking solutions tailored to meet its customers’ needs while maintaining its underwriting standards.

Construction and Development Loans: The company’s construction and development loans consists of commercial construction and land acquisition and development construction loans.

Commercial Real Estate Loans: The company offers commercial real estate loans collateralized by real estate, which may be owner occupied or non-owner occupied real estate.

The company’s commercial real estate loans are secured by a wide variety of property types, such as retail operations, hospitality, specialty service operations and warehouses for wholesale distribution. The company originates both fixed-rate and adjustable-rate loans with terms up to 25 years. Fixed-rate loans have provisions which allow the company to call the loan after three to five years. The company’s conventional commercial real estate loans, or non-SBA guaranteed commercial real estate loans, carried a weighted average maturity of 4.88 year as of December 31, 2024.

Commercial and Industrial Loans: The company provides a mix of variable and fixed rate commercial and industrial loans. The company’s commercial and industrial loans are typically made to small and medium-sized businesses for working capital needs, business expansions and for trade financing. The company extends commercial business loans on an unsecured and secured basis advanced for working capital, accounts receivable and inventory financing, machinery and equipment purchases, and other business purposes. Generally, short-term loans have maturities ranging from six months to one year, and term loans have maturities ranging from five to ten years. Loans are generally intended to finance current transactions and typically provide for periodic principal payments, with interest payable monthly. The company also provides trade finance-related services to its customers, such as domestic and international letters of credit, international collection (documents against acceptance and documents against payment) and export advice. The company issues standby letters of credit on behalf of its customers to facilitate trade and other financial guarantees. All trade finance related services are denominated in U.S. currency and all facilities are fully collateralized with no foreign exchange or credit exposure.

SBA Loans: A significant portion of its commercial real estate portfolio consists of SBA and USDA loans. The company’s SBA loans are typically made to retail businesses, including car wash stations, grocery stores, poultry farms, warehouses, convenience stores, hospitality and service businesses, car dealers, beauty supplies, restaurants, and beer, wine, and liquor stores for acquisition of business properties, working capital needs and business expansions. The company’s SBA loans are typically secured by commercial real estate and can have any maturity up to 25 years.

In addition, as part of its commercial and industrial loan product offering, the company originates SBA loans to provide working capital and to finance inventory, equipment and machinery purchases and acquisitions. The company retains the servicing rights on the sold portions of the SBA and USDA loans the company originates.

Residential Real Estate Loans: The company originates mainly non-conforming residential mortgage loans through its branch network. During 2024, its primary loan products offered were a three-year, five-year and ten-year hybrid adjustable-rate mortgages which reprice annually after the initial term based on the weekly average of the one-year constant maturity treasury (CMT) plus a fixed spread, as well as 15-year and 30-year fixed rate products.

On occasion, the company sells a portion of its non-conforming residential mortgage loans to third party investors. The loans are sold with no representation or warranties if the loan pays off early.

Consumer and Other Loans: These loans represent a very small portion of its overall portfolio and primarily consists of overdrafts and consumer lines of credit.

Other Products and Services

The company offers banking products and services that are competitively priced with a focus on convenience and accessibility. The company offers a full suite of online banking solutions including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay. The company offers ATMs and banking by telephone, mail and personal appointment. The company offers debit cards with no ATM surcharges or foreign ATM fees for checking customers, direct deposit, cashier’s checks, as well as treasury management services, wire transfer services and automated clearing house (ACH) services.

The company offers a full array of commercial treasury management services designed to be competitive with banks of all sizes. Treasury management services include balance reporting (including current day and previous day activity), transfers between accounts, wire transfer initiation, ACH origination and stop payments. Cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts.

Securities

The company’s investment portfolio consists primarily of the U.S. government agency securities, mortgage-backed securities backed by government-sponsored entities, and taxable and tax exempt municipal securities. The company also has equity securities that consist of its investment in a mutual fund that invests in high quality fixed income bonds, mainly government agency securities whose proceeds are designed to positively impact community development throughout the United States.

Deposits

The company offers traditional depository products, including checking, savings, money market and certificates of deposits, to individuals, businesses, municipalities and other entities through its branch network throughout its market areas. Deposits at the bank are insured by the FDIC up to statutory limits.

Regulation and Supervision

The company is registered as a bank holding company with the Federal Reserve under the Bank Holding Company Act of 1956, as amended (the ‘BHC Act’).

As such, the company is subject to comprehensive supervision and regulation by the Federal Reserve and are subject to its regulatory reporting requirements.

As a public company that files periodic reports with the SEC, under the Exchange Act, the company is subject to the Sarbanes-Oxley Act of 2002 (‘Sarbanes-Oxley Act’), which addresses, among other issues, corporate governance, auditing and accounting, executive compensation and enhanced and timely disclosure of corporate information. The company’s policies and procedures are designed to comply with the requirements of the Sarbanes-Oxley Act.

The Dodd-Frank Act required the banking agencies and the SEC to establish joint rules or guidelines for financial institutions with more than $1 billion in assets, such as the company and the bank, which prohibit incentive compensation arrangements that the agencies determine to encourage inappropriate risks by the institution.

The company and its subsidiaries are subject to oversight by the SEC, the Financial Industry Regulatory Authority (‘FINRA’), the PCAOB, the Nasdaq Stock Market and various state securities regulators.

The bank is subject to comprehensive supervision and regulation by the FDIC and is subject to its regulatory reporting requirements. The bank also is subject to certain Federal Reserve regulations. In addition, as discussed in more detail below, the bank and any other of the company’s subsidiaries that offer consumer financial products and services are subject to regulation and potential supervision by the CFPB. Authority to supervise and examine the company and the bank for compliance with federal consumer laws remains largely with the Federal Reserve and the FDIC, respectively.

The bank’s deposits are insured by the FDIC’s DIF up to the limits under applicable law, which currently are set at $250,000 per depositor, per insured bank, for each account ownership category. The bank is subject to FDIC assessments for its deposit insurance.

The bank is subject to the provisions of the Community Reinvestment Act (‘CRA’), which imposes a continuing and affirmative obligation, consistent with their safe and sound operation, to help meet the credit needs of entire communities where the bank accepts deposits, including low- and moderate-income neighborhoods.

The bank is also subject to, among other things, the provisions of the Equal Credit Opportunity Act (the ‘ECOA’) and the Fair Housing Act (the ‘FHA’), both of which prohibit discrimination based on race or color, religion, national origin, sex, and familial status in any aspect of a consumer or commercial credit or residential real estate transaction.

History

MetroCity Bankshares, Inc. was founded in 2006. The company was incorporated in 2014.

MetroCity Bankshares Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking and Financial Services:** 100% (2026) MetroCity Bankshares, Inc. is a financial institution whose revenues come entirely from the banking and financial services sector. The company offers a variety of banking services, including deposits, loans, and other financial products. **TOP 3 Mark...

At which locations are the company’s products manufactured?

**Production:** No physical production MetroCity Bankshares, Inc. is a financial institution and not a production company. The company offers banking services such as loans, deposits, and other financial products. Therefore, there is no physical production of goods or products, but rather the provi...

What strategy does MetroCity Bankshares pursue for future growth?

**Growth Strategy:** Diversification of services and geographical expansion (estimated 2026) MetroCity Bankshares, Inc. is pursuing a strategy of diversifying its financial services to appeal to a broader range of customers. This includes introducing new products and services tailored to the specif...

Which raw materials are imported and from which countries?

**Current specific import data for MetroCity Bankshares, Inc. is not available.** MetroCity Bankshares, Inc. is a financial institution and not a manufacturing or processing industry. Therefore, it does not import raw materials or materials in the conventional sense. Financial institutions like Me...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 12.5% (2025) **Net Interest Margin:** 3.8% (2025) **Cost-Income Ratio:** 55% (2025) MetroCity Bankshares, Inc. shows a solid return on equity of 12.5%, indicating efficient capital utilization. This metric is an indicator that the company is able to achieve a good...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 45% (2026, estimated) **Insider Buys/Sells:** No significant transactions in the last quarter (2026, estimated) The institutional investor share in MetroCity Bankshares, Inc. is estimated to be around 45%. This suggests that almost half of the shares are held by l...

What percentage market share does MetroCity Bankshares have?

**Market share of MetroCity Bankshares, Inc.:** Estimate: <1% (2026) **Top competitors and their market shares:** 1. JPMorgan Chase & Co.: ~10% 2. Bank of America Corp.: ~9% 3. Wells Fargo & Co.: ~8% 4. Citigroup Inc.: ~7% 5. U.S. Bancorp: ~3% 6. Truist Financial Corp.: ~2% 7. PNC Financ...

Is MetroCity Bankshares stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 7.2% (2025) **Return on Equity:** 12% (2025) MetroCity Bankshares, Inc. recorded a solid revenue growth of 8.5% in 2025, attributed to successful business expansion and effective customer acquisition. The 7.2% profit growth indicates that the...

Does MetroCity Bankshares pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.5% (estimated for 2026) **Dividend History:** Regular payouts for several years MetroCity Bankshares, Inc. has been paying a consistent dividend in recent years. The estimated 3.5% dividend yield for 2026 suggests an attractive payout compared to many other banks. The r...

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MetroCity Bankshares Stock Value

MetroCity Bankshares Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does MetroCity Bankshares do?

MetroCity Bankshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

MetroCity Bankshares Stock Value

MetroCity Bankshares Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does MetroCity Bankshares do?

MetroCity Bankshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.