MCBS
MetroCity Bankshares, Inc.Financial Services·Banks - Regional
$32.66
$936M market cap
Revenue
$131.9M
Free Cash Flow
$35.0M
Rev Growth
+0.0%
FCF Margin
26.6%
P/FCF
26.7x
EV/FCF
27.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and onli
2-Year Price History
$32.63+43.9%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 71.0 | 23.9 | 23.9 | 22.3 | 35.0 | 35.0 | -0.0 | 400.6 | 439.5 | 29.1 | 10.2% | 0.9x | -- |
| Act | 2025-Q4 | 60.9 | 23.4 | 23.4 | 18.3 | 0.2 | 0.0 | -0.2 | 418.0 | 540.6 | 26.8 | 10.2% | 1.0x | -- |
Valuation & Metrics
Market Stats
Price$32.66
Market Cap$936M
Enterprise Value$975M
P/S Ratio7.1x
P/FCF26.7x
EV/FCF27.8x
FCF Margin (TTM)26.6%
FCF Yield3.7%
Dividend Yield (TTM)3.9%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$131.9M
Net Income$40.6M
Free Cash Flow$35.0M
Revenue Growth (YoY)+0.0%
EBITDA Margin35.8%
Net Margin30.8%
FCF Margin26.6%
CapEx % of Revenue0.2%
SBC % of Revenue0.0%
ROIC10.2%
WC Change % Rev-8.1%
Interest Coverage0.9x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.5M
Days to Cover5.5
Change (vs Prior)+21.0%
Need at least 2 settlement dates for chart
Employees
Headcount240
Revenue / Employee$549,467
Gross Profit / Employee$337,817
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
7.9%(+1.9% YoY)
96 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.3%(+1.9% YoY)
11 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.1% YoY)
3 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $43.1M | $28.91 | +$2.6M | +$2.0M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $25.2M | $28.67 | +$25.2M | +$25.2M | — | $4.04T |
| AMERICAN CENTURY COMPANIES INC | $17.9M | $25.93 | +$2.3M | +$7.0M | +0.7% | $193.48B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $14.9M | $24.37 | +$2.0M | +$2.6M | +2.3% | $1.61T |
| DIMENSIONAL FUND ADVISORS LPPassive | $14.3M | $21.65 | +$622K | +$2.1M | -0.4% | $480.92B |
| STATE STREET CORPPassive | $13.6M | $22.78 | +$830K | +$1.2M | -0.2% | $2.89T |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $6.3M | $24.86 | +$365K | +$189K | -0.2% | $113.45B |
| NORTHERN TRUST CORPPassive | $6.0M | $26.73 | +$720K | +$1.3M | -0.2% | $755.34B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5.1M | $26.33 | +$713K | +$945K | +0.7% | $645.81B |
| GOLDMAN SACHS GROUP INC | $4.6M | $24.91 | +$2.6M | +$3.0M | -0.2% | $760.93B |
| VANGUARD FIDUCIARY TRUST COPassive | $3.9M | $28.67 | +$3.9M | +$3.9M | — | $395.83B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $3.7M | $28.67 | +$3.7M | +$3.7M | — | $1.91T |
| MORGAN STANLEY | $3.6M | $22.17 | +$726K | +$1.3M | -0.3% | $1.65T |
| Bank of New York Mellon Corp | $3.4M | $23.70 | −$7K | +$515K | -0.2% | $543.21B |
| HoldCo Asset Management, LP | $2.9M | $26.08 | +$0 | +$2.9M | -0.9% | $1.34B |
| De Lisle Partners LLP | $2.4M | $23.40 | +$0 | +$135K | -0.7% | $836M |
| Creative Planning | $2.1M | $28.30 | +$1.1M | +$2.1M | -0.7% | $144.46B |
| CITADEL ADVISORS LLC | $1.8M | $27.63 | +$1.1M | +$1.3M | -0.4% | $138.22B |
| Cape Investment Advisory, Inc. | $1.7M | $15.35 | +$7K | +$7K | -0.6% | $301M |
| ADVISOR GROUP HOLDINGS, INC. | $1.7M | $27.51 | +$14K | +$33K | -0.3% | $67.63B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.03%
avg per quarter
Holders (ex-self)
+0.03%
excl. this stock
Buyers (this Q)
+0.04%
63 buyers · $0.06B in
Sellers (this Q)
-0.08%
28 sellers · $0.00B out
alpha coverage: 83% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-1.4%
how holders react when this stock falls
On quiet Qs
+0.6%
−10% to +10% baseline
On rallies (+10%+)
+5.0%
how they react when this stock rises
Holders' portfolio flow this Q
+2.0%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.4%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-2.8%
Holder mid (any stock)
-1.7%
Holder rally (any stock)
-3.1%
Biggest decreases this quarter
CIBC Bancorp USA Inc.exited−$612KJANE STREET GROUP, LLCexited−$519KQube Research & Technologies Ltdexited−$497KTEACHER RETIREMENT SYSTEM OF TEXASexited−$338KTCW GROUP INCexited−$210KINTECH INVESTMENT MANAGEMENT LLCexited−$201KSG Americas Securities, LLCexited−$144KNuveen, LLC−$41Kα+0.0AMALGAMATED BANKexited−$16KBank of New York Mellon Corp−$7Kα-0.2
New buyers this quarter
Top-5 holders · 57.8%
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
AMERICAN CENTURY COMPANIES INC--
GEODE CAPITAL MANAGEMENT, LLC--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
AMERICAN CENTURY COMPANIES INC625KMANUFACTURERS LIFE INSURANCE COMPANY, THE221KCHARLES SCHWAB INVESTMENT MANAGEMENT INC178KGOLDMAN SACHS GROUP INC160KBank of New York Mellon Corp119KBANK OF AMERICA CORP /DE/22KMORGAN STANLEY125KHoldCo Asset Management, LP101KDe Lisle Partners LLP84KJPMORGAN CHASE & CO9K
Analyst Coverage
Analyst Coverage
Analyst Ratings
3
Hold: 3Consensus: Hold
Corporate
Order Flow (FINRA, ~3w lag)
3.9%retail-2.9pp
18.1%dark+3.5pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
MetroCity Bankshares: Entity metadata indicates standard registration with zero substantive financial disclosure.
Overall Risk
5/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10