MetroCity Bankshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from MetroCity Bankshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$32Sales grew 14% in 3 years; of every extra $100 of sales, $32 became extra profit.
Higher than 59% of Financial Services companies in United States.
Asset Productivity Ratio
+14% / +39%In 3 years sales changed by +14% while total assets changed by +39%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 61% of Financial Services companies in United States.
Tangible Net Worth Ratio
87%Of every $100 of net worth, $87 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 58% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
MetroCity Bankshares, Inc. owes $0.87 for every $1 it owns. Net profit rose 6% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.3Investors pay $12.3 for every $1 of MetroCity Bankshares, Inc.'s yearly profit, lower than 54% of Financial Services companies in United States.
P/B ratio
1.80The share price is 1.80 times MetroCity Bankshares, Inc.'s book value per share, higher than 75% of Financial Services companies in United States.
Market cap
$1.0 BThe total market value of all of MetroCity Bankshares, Inc.'s shares at today's price (share price × number of shares), larger than 56% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$568 MWhat MetroCity Bankshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.73Net worth divided by the number of shares. The share price of $35.43 is 1.8 times this, which is the P/B above.
Return on equity (ROE)
15.9%MetroCity Bankshares, Inc. earned 15.9% on its shareholders' money over the last year, higher than 78% of Financial Services companies in United States.
Owes vs Owns
0.87×MetroCity Bankshares, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.13%MetroCity Bankshares, Inc. pays 3.13% of its share price as dividends a year, higher than 56% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+6%Net profit rose 6% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Profit margin
44.7%MetroCity Bankshares, Inc. keeps $45 of every $100 of revenue as net profit.
Questions
What is MetroCity Bankshares, Inc.'s P/E ratio?
Investors pay $12.3 for every $1 of MetroCity Bankshares, Inc.'s yearly profit, lower than 54% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For MetroCity Bankshares, Inc.: $1.0 B ÷ $568 M (30 Jun 2026) = 1.8.
What is MetroCity Bankshares, Inc.'s return on equity?
MetroCity Bankshares, Inc. earned 15.9% on its shareholders' money over the last year, higher than 78% of Financial Services companies in United States.
How much does MetroCity Bankshares, Inc. owe compared with what it owns?
MetroCity Bankshares, Inc. owes $0.87 for every $1 it owns (high), higher than 62% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does MetroCity Bankshares, Inc. pay a dividend?
Yes. MetroCity Bankshares, Inc. pays 3.13% of its share price as dividends a year, higher than 56% of dividend-paying Financial Services companies in United States.
Is MetroCity Bankshares, Inc.'s revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.