MetroCity Bankshares, Inc.(MCBS)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
MCBS Stock Analysis & AI Quality Score
AI stock analysis and institutional research for MetroCity Bankshares, Inc. (MCBS), a Financials sector company. MCBS is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), MetroCity Bankshares, Inc. reports quarterly revenue of $50.8M, net income of $22.3M, an operating margin of 59.4%. 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.
Revenue
Q1 2026
$50.8M
Net Income
Q1 2026
$22.3M
Free Cash Flow
Q1 2026
$45.8M
Operating Margin
Q1 2026
59.4%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+6.2% YoYEPS (Diluted)
+4.8% YoYTotal Assets
+32.7% YoYOp. Cash Flow
-40.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2018 |
|---|---|---|---|---|---|---|
| Net Income | $68.5M +6.2% | $64.5M +25.0% | $51.6M -17.6% | $62.6M +72.0% | $36.4M -12.0% | $41.3M |
| EPS (Diluted) | $2.64 +4.8% | $2.52 +24.8% | $2.02 -17.2% | $2.44 +73.0% | $1.41 +66.9% | $0.84 |
| Total Assets | $4.77B +32.7% | $3.59B +2.6% | $3.50B +2.2% | $3.43B +80.6% | $1.90B +32.4% | $1.43B |
| Operating Cash Flow | $37.7M -40.6% | $63.5M -22.7% | $82.1M -39.0% | $134.7M -5.5% | $142.6M +188.6% | $-161.0M |
AI Insight: MCBS Financial Trends
Q1 2026 net income surged to $22M — the highest in the observed period — while equity jumped to $554M, signaling a meaningful step-change in profitability.
• Net income climbed from a trough of $16M in Q4 2024–Q1 2025 to $22M in Q1 2026, a 38% rise.
• Equity expanded steadily from $407M in Q2 2024 to $554M in Q1 2026, a $147M cumulative build.
• Operating cash flow swung to $46M in Q1 2026 after two negative prints in Q3 2024 and Q4 2025.
⚠ Operating CF turned sharply negative in Q3 2024 (-$11M) and Q4 2025 (-$5M); volatility warrants monitoring.
⚠ Revenue and total debt data are absent across all periods, limiting full balance-sheet and margin analysis.
AI Insight: MCBS Ratio Trends
MCBS profitability rebounded sharply in Q1 2026, but TTM ROIC of 18.2% still trails the 22–23% peak seen in mid-2024.
• ROE recovered to 16.1% in Q1 2026 after collapsing to 13.3% in Q4 2025, nearly reversing the prior-quarter drop.
• ROIC rebounded from 17.0% in Q4 2025 to 21.8% in Q1 2026, though still below the 22.9% peak in Q2 2024.
• ROA stabilized at 1.9% in Q1 2026, matching the Q2–Q3 2025 level after dipping to 1.5% in Q4 2025.
⚠ Q4 2025 showed a sharp broad-based deterioration — ROE -2.2pp, ROIC -4.4pp, ROA -0.4pp — worth monitoring for recurrence.
⚠ TTM ROIC of 18.2% lags the latest quarterly run-rate of 21.8%, suggesting prior weak quarters continue to weigh on trailing returns.
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Available Research
13F Pro tracks comprehensive data for MetroCity Bankshares, Inc. including:
Top Institutional Holders of MCBS
BlackRock, Inc.
$43.1M1,503,240 shVANGUARD CAPITAL MANAGEMENT LLC
$25.2M878,195 shAMERICAN CENTURY COMPANIES INC
$17.9M625,052 shGEODE CAPITAL MANAGEMENT, LLC
$14.9M518,374 shDIMENSIONAL FUND ADVISORS LP
$14.3M498,788 shSTATE STREET CORP
$13.6M474,280 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$6.3M220,552 shNORTHERN TRUST CORP
$6.0M209,905 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$5.1M178,014 shGOLDMAN SACHS GROUP INC
$4.6M159,651 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $43.1M | 1,503,240 |
| VANGUARD CAPITAL MANAGEMENT LLC | $25.2M | 878,195 |
| AMERICAN CENTURY COMPANIES INC | $17.9M | 625,052 |
| GEODE CAPITAL MANAGEMENT, LLC | $14.9M | 518,374 |
| DIMENSIONAL FUND ADVISORS LP | $14.3M | 498,788 |
| STATE STREET CORP | $13.6M | 474,280 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $6.3M | 220,552 |
| NORTHERN TRUST CORP | $6.0M | 209,905 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5.1M | 178,014 |
| GOLDMAN SACHS GROUP INC | $4.6M | 159,651 |
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Popular Research
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.
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.