What is the 13F Pro Quality Score for MCBS?

13F Pro ranks MetroCity Bankshares, Inc. (MCBS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View MCBS's current score at https://13fpro.ai/company/MCBS (free sign-up required for the full ranking).

Where does 13F Pro source MCBS data?

All MetroCity Bankshares, Inc. fundamentals and ownership data come directly from SEC EDGAR. MetroCity Bankshares, Inc. files with the SEC under CIK 1747068. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is MCBS in?

MetroCity Bankshares, Inc. (MCBS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is MCBS research updated on 13F Pro?

MCBS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

MetroCity Bankshares, Inc.(MCBS)Stock Analysis

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SEC EDGAR: CIK 1747068 MCBS stock profile & AI dashboard →

13F Pro Quality Score

63.7/100

Rank #593 of 2,960 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

80.5/100

Profitability

96.2/100

Balance Sheet

52.7/100

Earnings Quality

35.6/100

Free Cash Flow

93.0/100

Institutional Flow

59.0/100

Revenue Scale

22.6/100

Dilution Risk

41.2/100

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Why MCBS Scores 64/100

exact factor attribution · 2026-09-11

MCBS's composite is driven by profitability and revenue growth, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.2 pts

96th pct

Revenue growth

+8.1 pts

81th pct

Free cash flow

+6.5 pts

93th pct

Earnings growth

+1.4 pts

72th pct

Institutional flow

+0.6 pts

59th pct

Capital efficiency

+0.4 pts

53th pct

Shareholder dilution

-0.6 pts

41th pct

Earnings quality

-1.4 pts

36th pct

Scale

-5.5 pts

23th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

MCBS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for MetroCity Bankshares, Inc. (MCBS), a Financials sector company. 13F Pro's AI-powered ranking engine scores MCBS at 63.7/100 on a 32-signal composite quality model, placing it at rank #593 of 2,960 stocks — the top 25% of the AI-ranked universe. MCBS scores in the top quartile across profitability (96.2), free cash flow (93.0), revenue growth (80.5). Areas of concern include revenue scale (22.6) and earnings quality (35.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 41.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), MetroCity Bankshares, Inc. reports quarterly revenue of $49.8M, net income of $22.1M, an operating margin of 61.5%. Top institutional holders of MCBS by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, AMERICAN CENTURY COMPANIES, based on the most recent SEC filings. MCBS trades on the Nasdaq exchange and files with the SEC under CIK 1747068. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MCBS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for MetroCity Bankshares, Inc. directly from SEC EDGAR. MetroCity Bankshares, Inc.'s 13F Pro composite quality score has ranged between 35 and 64 since 2026, currently 63.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about MetroCity Bankshares, Inc.

Quirks, history, and lore behind MCBS — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · listed on Nasdaq · headquartered in Georgia · focused on commercial banking for small and mid-sized businesses.
2
The Numbers
A small-cap institution with total assets in the low single-digit billions — not a Wall Street titan, but a quietly profitable Southern regional bank.
3
The History
Founded in the early 2000s, it grew steadily through organic lending rather than splashy acquisitions — the tortoise strategy of community banking.
4
The Secret
It leans heavily on commercial real estate and business loans, keeping its deposit base local and its ambitions refreshingly un-global.
5
The Lore
Despite its modest size, it has posted consistently high return on equity that makes many larger banks blush — proving you don't need skyscrapers to run a tight ship.
6
The Giveaway
Its ticker spells out the city in its name: MCBS — the bank that puts "Metro" and "City" right in its corporate title, serving the suburbs of Atlanta, Georgia.

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Revenue

Q2 2026

$49.8M

Net Income

Q2 2026

$22.1M

Operating Margin

Q2 2026

61.5%

ROIC

Q2 2026

21.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.2% YoY

$155.6MFY 2025

FY22 $137.7MFY23 $119.7MFY24 $141.2MFY25 $155.6M

Net Income

+6.2% YoY

$68.5MFY 2025

FY22 $62.6MFY23 $51.6MFY24 $64.5MFY25 $68.5M

EPS (Diluted)

+4.8% YoY

$2.64FY 2025

FY22 $2.44FY23 $2.02FY24 $2.52FY25 $2.64

Total Assets

+32.7% YoY

$4.77BFY 2025

FY22 $3.43BFY23 $3.50BFY24 $3.59BFY25 $4.77B

Op. Cash Flow

-40.6% YoY

$37.7MFY 2025

FY22 $134.7MFY23 $82.1MFY24 $63.5MFY25 $37.7M

Free Cash Flow

-40.5% YoY

$37.0MFY 2025

FY22 $132.3MFY23 $77.2MFY24 $62.2MFY25 $37.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$155.6M +10.2%	$141.2M +18.0%	$119.7M -13.1%	$137.7M -0.1%	$137.9M +47.7%	$93.3M
Net Income	$68.5M +6.2%	$64.5M +25.0%	$51.6M -17.6%	$62.6M +1.5%	$61.7M +69.5%	$36.4M
EPS (Diluted)	$2.64 +4.8%	$2.52 +24.8%	$2.02 -17.2%	$2.44 +2.1%	$2.39 +69.5%	$1.41
Total Assets	$4.77B +32.7%	$3.59B +2.6%	$3.50B +2.2%	$3.43B +10.3%	$3.11B +63.7%	$1.90B
Operating Cash Flow	$37.7M -40.6%	$63.5M -22.7%	$82.1M -39.0%	$134.7M +105.9%	$65.4M -54.1%	$142.6M
Free Cash Flow	$37.0M -40.5%	$62.2M -19.4%	$77.2M -41.7%	$132.3M +103.4%	$65.0M -54.2%	$142.0M

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Available Research

13F Pro tracks comprehensive data for MetroCity Bankshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of MCBS

BlackRock, Inc.
$65.1M1,812,566 sh
VANGUARD CAPITAL MANAGEMENT LLC
$34.3M955,631 sh
AMERICAN CENTURY COMPANIES INC
$26.5M737,102 sh
GEODE CAPITAL MANAGEMENT, LLC
$21.4M595,243 sh
DIMENSIONAL FUND ADVISORS LP
$19.8M552,274 sh
STATE STREET CORP
$18.3M509,910 sh
NORTHERN TRUST CORP
$8.2M227,360 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$7.9M219,175 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$6.6M183,392 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$5.7M160,050 sh

Fund	Value	Shares
BlackRock, Inc.	$65.1M	1,812,566
VANGUARD CAPITAL MANAGEMENT LLC	$34.3M	955,631
AMERICAN CENTURY COMPANIES INC	$26.5M	737,102
GEODE CAPITAL MANAGEMENT, LLC	$21.4M	595,243
DIMENSIONAL FUND ADVISORS LP	$19.8M	552,274
STATE STREET CORP	$18.3M	509,910
NORTHERN TRUST CORP	$8.2M	227,360
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$7.9M	219,175
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$6.6M	183,392
VANGUARD PORTFOLIO MANAGEMENT LLC	$5.7M	160,050

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Is MCBS a good stock to buy?

13F Pro's AI-powered analysis of MetroCity Bankshares, Inc. (MCBS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for MCBS are available on the MCBS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. MCBS is classified as a small company.

Which hedge funds own MCBS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling MCBS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of MetroCity Bankshares, Inc.'s investment landscape.