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
Positive results in Jun 25
- ROCE(HY) Highest at 1.83%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 32.18 MM
4
With ROA of 1.57%, it has a fair valuation with a 1.67 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 -23.76%, its profits have risen by 31% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 24.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -23.76% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
MetroCity Bankshares, Inc.
-20.98%
0.46
28.16%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.99%
EBIT Growth (5y)
5.99%
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
32.92%
Pledged Shares
0
Institutional Holding
24.53%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.67
EV to EBIT
9.09
EV to EBITDA
8.78
EV to Capital Employed
1.58
EV to Sales
3.66
PEG Ratio
0.36
Dividend Yield
152.49%
ROCE (Latest)
17.34%
ROE (Latest)
15.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 1.83%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 32.18 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 35.15%
CREDIT DEPOSIT RATIO(HY)
Highest at 116.06%
PRE-TAX PROFIT(Q)
Highest at USD 23.67 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 27.5 MM
ROCE(HY)
Lowest at 1.83%
Here's what is working for MetroCity Bankshares, Inc.
NII
Highest at USD 32.18 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)
Pre-Tax Profit
Highest at USD 23.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Credit Deposit Ratio
Highest at 116.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 35.15%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 19.91%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for MetroCity Bankshares, Inc.
Operating Cash Flow
Lowest at USD 27.5 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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