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MCBSMetroCity Bankshares, Inc.Hold6.3·$36.26-1.72%
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MetroCity Bankshares, Inc. (MCBS) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $36.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.2% away).

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as... Read more

$36.26+1.3% A.UpsideScore 6.3/10#38 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield2.87%(5y avg 2.92%)Payout35.25%sustainable
Stop $34.16Target $36.71(resistance)A.R:R -1.9:1
Analyst target$35.00-3.5%1 analysts
Range unavailable (1 analysts)

Hold if already holding. Not a fresh buy at $36.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.2% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Fri, Jul 24, 202620d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (3.2% away)

Key Metrics

P/E (TTM)13.0
P/E (Fwd)11.0
Mkt Cap$1.0B
EV/EBITDA
Profit Mgn43.4%
ROE15.2%
Rev Growth44.0%
Beta0.70
Dividend2.87%
Rating analysts6

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

IV86%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.9=NEGATIVEMomentum 5.3<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.3>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 20d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
65 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $32.79Resistance $37.46

Price Targets

$34
$37
A.Upside+1.2%
A.R:R-1.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-17.9% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-24 (20d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is MCBS stock a buy right now?

Hold if already holding. Not a fresh buy at $36.26, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.2% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Target $36.71 (+1.2%), stop $34.16 (−6.1%), A.R:R -1.9:1. Score 6.3/10, moderate confidence.

What is the MCBS stock price target?

Take-profit target: $36.71 (+1.3% upside). Target $36.71 (+1.2%), stop $34.16 (−6.1%), A.R:R -1.9:1. Stop-loss: $34.16.

What are the risks of investing in MCBS?

Analyst target reached - limited upside remaining; Near 52-week high (3.2% away).

Is MCBS overvalued or undervalued?

MetroCity Bankshares, Inc. trades at a P/E of 13.0 (forward 11.0). TrendMatrix value score: 8.7/10. Verdict: Hold.

What do analysts say about MCBS?

6 analysts cover MCBS with a consensus score of 2.2/5. Average price target: $35.

What does MetroCity Bankshares, Inc. do?MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and...

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.

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