profit from every $100 of sales.
$0$100
MetroCity Bankshares
$36.20-0.44% today
+37.7% in 1 year
1-year low $24.711-year high $37.07
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.14 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What MetroCity Bankshares sold, what it kept, and what it did with the cash.
Sales went from $135 million in 2022 to $153 million in 2025, with $68.5 million of profit last year.
SalesProfit
MetroCity Bankshares handed back 74% of the cash it generated last year.
$25M
Free cash flow 2025$37M
Bought back its own shares$3M
Paid as dividends$25M
Cash vs. debt$371M vs. $525M
MetroCity Bankshares vs. similar companies
MetroCity Bankshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| MetroCity Bankshares | 15.1× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads MetroCity Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 135 | 118 | 140 | 153 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 63 | 52 | 65 | 69 | |
| 2.55 | 2.02 | 2.52 | 2.64 | |
| – | – | – | – | |
| – | – | – | – | |
| 46.5% | 43.7% | 46.2% | 44.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,427 | 3,503 | 3,594 | 4,768 |
| Cash | 151 | 142 | 236 | 371 |
| Total debt | 384 | 334 | 383 | 525 |
| Total liabilities | 3,078 | 3,121 | 3,173 | 4,224 |
| 349 | 382 | 421 | 544 | |
| 26 | 26 | 26 | 26 | |
| – | – | – | – | |
| 17.9% | 13.5% | 15.3% | 12.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 135 | 82 | 64 | 38 | |
| 2 | 5 | 1 | 1 | |
| 132 | 77 | 62 | 37 | |
| Dividends paid | 15 | 18 | 21 | 25 |
| 8 | 2 | 0 | 3 | |
| 2 | 2 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.1×
- 11.0×
- 13.02
- 1.6×
- 6.8×
- 6.6%
- 3.3%
Profitability
- 44.7%
- 1.5%
- 7.6%
- 15.1%
- 1.6%
Growth
- +4.4%
- +1.2%
- +19.1%
- +0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 33%of 749
Top 24%of 603
Bottom 44%of 881
Bottom 33%of 884
Bottom 45%of 933
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.77 | 0.77 | +0.0% |
| Jan 30, 2026 | 0.68 | 0.73 | −6.8% |
| Oct 17, 2025 | 0.67 | 0.71 | −5.6% |
| Jul 18, 2025 | 0.65 | 0.63 | +3.2% |
| Apr 18, 2025 | 0.63 | 0.61 | +3.3% |
| Mar 10, 2025 | 0.63 | – | – |
| Oct 18, 2024 | 0.65 | 0.64 | +1.6% |
| Jul 19, 2024 | 0.66 | 0.59 | +11.9% |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+19.1%2020 to 2025
Raised5 yearsin a row, in our data
Paid per share, each year
$0.08 in 2016 → $0.96 in 2025
How safe it looks
36.3% of its profit
Room to growStretchedMore than it earns: 67.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
60Pass
Benjamin Graham
73Pass
Philip Fisher
62Pass
Peter Lynch
21No pass
Joel Greenblatt
15No pass
Charlie Munger
60Pass
Terry Smith
61Pass
Questions about MetroCity Bankshares
Is MetroCity Bankshares a good stock to buy?
A strong, very profitable business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the MetroCity Bankshares AI analysis
What does MetroCity Bankshares do?
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It is in Banks - Regional.
Does MetroCity Bankshares pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 36% of its yearly profit. In 2025 it paid out $24.8 million in dividends.
Is MetroCity Bankshares stock halal?
No. MetroCity Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has MetroCity Bankshares stock done over the past year?
Up 37.7% over the past twelve months, to $36.20. It traded between $24.71 and $37.07 and is 2.3% below its high.
Who are MetroCity Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with MetroCity Bankshares's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.