ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is MetroCity Bankshares, Inc. ?
1
High Management Efficiency with a high ROA of 1.52%
2
The Bank has a high Capital Adequacy Ratio of 17.79% signifying high buffers against its risk based assets
3
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT(Q) Highest at USD 31.89 MM
- OPERATING PROFIT MARGIN(Q) Highest at 44.93 %
4
With ROA of 0.95%, it has a attractive valuation with a 1.49 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 22.09%, its profits have risen by 10.9% ; the PEG ratio of the company is 1.1
5
High Institutional Holdings at 23.37%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.91% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to MetroCity Bankshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is MetroCity Bankshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
MetroCity Bankshares, Inc.
22.09%
1.66
26.52%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.26%
EBIT Growth (5y)
10.07%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.43%
Pledged Shares
0
Institutional Holding
23.37%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.49
EV to EBIT
9.63
EV to EBITDA
9.28
EV to Capital Employed
1.42
EV to Sales
4.06
PEG Ratio
1.11
Dividend Yield
155.88%
ROCE (Latest)
14.80%
ROE (Latest)
13.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 31.89 MM
OPERATING PROFIT MARGIN(Q)
Highest at 44.93 %
PRE-TAX PROFIT(Q)
Highest at USD 31.89 MM
NET PROFIT(Q)
Highest at USD 23.55 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 44.49 MM
NET SALES(Q)
Highest at USD 70.99 MM
EPS(Q)
Highest at USD 0.77
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for MetroCity Bankshares, Inc.
Operating Profit
Highest at USD 31.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 44.93 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 31.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 23.55 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.42%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 44.49 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 70.99 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 70.99 MM has Grown at 35.17%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 0.77
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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