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 Dec 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- PRE-TAX PROFIT(Q) Highest at USD 26.94 MM
- NET PROFIT(Q) Highest at USD 21.13 MM
4
With ROA of 1.60%, it has a fair valuation with a 1.51 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 2.91%, its profits have risen by 12.1% ; the PEG ratio of the company is 0.8
5
High Institutional Holdings at 22.46%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 2.91% in the last 1 year, much lower than market (S&P 500) returns of 20.78%
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.
2.91%
0.68
27.52%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.26%
EBIT Growth (5y)
10.72%
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
36.36%
Pledged Shares
0
Institutional Holding
22.46%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.51
EV to EBIT
6.55
EV to EBITDA
6.38
EV to Capital Employed
1.61
EV to Sales
2.82
PEG Ratio
0.83
Dividend Yield
180.51%
ROCE (Latest)
24.51%
ROE (Latest)
14.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Sideways
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 26.94 MM
NET PROFIT(Q)
Highest at USD 21.13 MM
NII(Q)
Highest at USD 35.92 MM
NET SALES(Q)
Highest at USD 60.26 MM
OPERATING PROFIT(Q)
Highest at USD 28.25 MM
OPERATING PROFIT MARGIN(Q)
Highest at 46.88 %
EPS(Q)
Highest at USD 0.68
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 37.48 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 111.66%
Here's what is working for MetroCity Bankshares, Inc.
Pre-Tax Profit
Highest at USD 26.94 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 21.13 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 35.92 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 60.26 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 28.25 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 46.88 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at USD 0.68
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for MetroCity Bankshares, Inc.
Operating Cash Flow
Lowest at USD 37.48 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 0.64%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 111.66%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 15.9%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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