MetroCity Bankshares, Inc. MCBS | NASDAQ

Dividends

Company Overview:

Market Cap: $1.06B
Trailing PE: 12x
FWD PE *: 11.7x
Payout Ratio (TTM): 25.1%
52-Week Range: $24.53 - $37.46

* Forward PE is based on street estimates.

7.2 Year MCBS Performance Metrics:

Total Return (with DRIP): 200.1% (16.51% CAGR)
Total Return (no DRIP): 173.4% (15.01% CAGR)
Share Price: 139.2% (12.90% CAGR)
Yield on Cost (with DRIP): 10.19%
Total Invested: $10,000
Total Value (with DRIP): $30,005
Total Return $ (with DRIP): $20,005
Dividend Increase: 163.6% (14.83% CAGR)
Dividend Yield (FWD): 3.40% ($1.24)
MCBS 7.2-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
MCBS Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
MCBS Price CAGR:1Y: 39.05%2Y: 3.28%5Y: 6.37%10Y: 12.90%
MCBS Dividend Charts
MCBS - Dividends
MCBS Dividend CAGR:1Y: 24.00%2Y: 16.10%5Y: 17.23%10Y: 20.55%
MCBS - Dividend Payout Ratio
MCBS Dividend Payout Ratio CAGR:1Y: -12.07%2Y: 6.61%5Y: 13.79%10Y: 0.00%
MCBS - Dividend to Free Cash Flow Ratio
MCBS Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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MCBS - Chart 1
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MCBS - Chart 3

MCBS Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue
MCBS Revenue CAGR:1Y: 95.18%2Y: 10.73%5Y: 14.46%10Y: 17.84%
Earnings Per Share (EPS)
MCBS EPS CAGR:1Y: 25.37%2Y: 13.68%5Y: 4.94%10Y: 15.43%
Net Income
MCBS Net Income CAGR:1Y: 40.70%2Y: 20.62%5Y: 7.56%10Y: 17.56%
EBITDA
MCBS EBITDA CAGR:1Y: 118.22%2Y: 52.15%5Y: 18.93%10Y: 0.00%
Free Cash Flow
MCBS Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Free Cash Flow / Share
MCBS Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Operating Income
MCBS Operating Income CAGR:1Y: 17.33%2Y: 11.10%5Y: 3.84%10Y: 12.42%
Gross Profit
MCBS Gross Profit CAGR:1Y: 24.67%2Y: 14.97%5Y: 4.94%10Y: 12.83%
Shares Outstanding
MCBS Shares Outstanding CAGR:1Y: 12.50%2Y: 6.35%5Y: 2.45%10Y: 2.08%
Share Buybacks
MCBS Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Stock-Based Comp
MCBS Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Expenses
MCBS Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue vs Net Income
EPS vs FCF / Share
EPS vs PE Ratio
FCF vs FCF / Share
FCF vs Stock Based Comp
Cash & Debt
Revenue by Segment
MCBS Revenue CAGR:1Y: 95.18%2Y: 10.73%5Y: 14.46%10Y: 17.84%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates
MCBS Actual Revenue CAGR:1Y: 95.18%2Y: 10.73%5Y: 14.46%10Y: 17.84%
EPS: Actual + Estimates
MCBS Actual EPS CAGR:1Y: 25.37%2Y: 13.68%5Y: 4.94%10Y: 15.43%
NET INCOME: Actual + Estimates
MCBS Actual Net Income CAGR:1Y: 40.70%2Y: 20.62%5Y: 7.56%10Y: 17.56%
EBITDA: Actual + Estimates
MCBS Actual EBITDA CAGR:1Y: 118.22%2Y: 52.15%5Y: 18.93%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin
MCBS Net Profit Margin CAGR:1Y: 14.25%2Y: 8.94%5Y: -6.03%10Y: -0.24%
Gross Profit Margin
MCBS Gross Profit Margin CAGR:1Y: 1.23%2Y: 3.84%5Y: -8.31%10Y: -4.25%
Price to Earnings
MCBS Price to Earnings CAGR:1Y: 0.22%2Y: -6.26%5Y: 5.13%10Y: -5.88%
Price To Sales Ratio
MCBS Price To Sales Ratio CAGR:1Y: 13.43%2Y: 2.31%5Y: -1.13%10Y: -6.07%
Return on Capital Employed
MCBS Return on Capital Employed CAGR:1Y: 6.26%2Y: 0.48%5Y: 26.38%10Y: 11.51%
Return on Invested Capital
MCBS Return on Invested Capital CAGR:1Y: 27.43%2Y: 9.09%5Y: 29.59%10Y: -9.93%

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MCBS Dividends Info:

Annual Dividend: $1.24
Forward Yield: 3.4%
Ex-Dividend Date: 2026-11-04
Lifetime Dividends / Share: $6.14

Projected Future Returns & Dividends for MCBS

Based on past 7.2-year performance, here are MCBS growth metrics:

Share price CAGR of +12.88%
Dividend CAGR of +20.61%

Using MCBS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

MCBS (DRIP)MCBS - No DRIP
Current Price$36.50$36.50
Start Shares273.97273.97
Start Value$10,000$10,000
  
After 10 years:
Final Share Count435.45273.97
Dividends Payment$2.02$2.02
Annual Dividends$3,518$2,213
Yield on cost35.18%22.13%
Share Price$122.55$122.55
Total Dividends$11,987$9,089
Final Value$53,365$42,665

Estimated Future Value + Dividends - MCBS

NOTE: Above numbers are our estimate based on MCBS's Dividend and Price CAGR over past 7.2 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Company Info

MetroCity Bankshares, Inc. (MCBS) had its IPO on 2019-09-05, and is traded on NASDAQ stock exchange.

MetroCity Bankshares, Inc. functions as the parent company for Metro City Bank, delivering a comprehensive suite of banking and financial solutions throughout the United States. Its services cater to a diverse client base, including individuals, small and medium-sized enterprises, larger businesses, and local government bodies. The bank facilitates a variety of deposit accounts, such as personal and business checking, savings, certificates of deposit, and money transfer capabilities. Furthermore, it extends credit through construction and development loans, commercial real estate financing, industrial and business loans, single-family home mortgages, Small Business Administration (SBA) loans, and other consumer credit products. Customers also benefit from modern conveniences like online banking, treasury management, wire transfers, automated clearing house (ACH) services, and broader cash management solutions. Founded in 2006 and headquartered in Doraville, Georgia, the company maintains a physical presence with 19 full-service branch locations spanning Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia.

MCBS website: https://www.metrocitybank.bank


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DCF Model — MCBS

Value from:
Pay up to today
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vs current price $36.50
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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →