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MCBS

MetroCity BanksharesC
Nasdaq / Banks
Last Price
At close
2026-07-21
View Chart
Current thesis
MetroCity enters 2026 with strong reported profitability, improved net interest margin, and a materially larger post-First-IC balance sheet; if acquired loans and deposits remain sticky and credit stays contained, the stock can re-rate modestly above its current level.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.7.
What can break
Credit quality worsens as acquired First IC balances season, pushing nonperforming assets and reserves higher.
Momentum
62
Value
55
Sentiment
44
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $31.00 · Bull $35.00 · Bear $27.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $38.00
Why
Momentum62 · Δ7d -9.1
Value55 · Δ7d -0.7
Sentiment44 · Δ7d -3.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
62
26% active weight
Current posture
7d trendSoftening
Δ7d
-9.1
Δ21d
+2.8
Value
55
39% active weight
Current posture
7d trendFlat
Δ7d
-0.7
Δ21d
+0.2
Sentiment
44
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.3
Δ21d
-4.6
Why this grade

Composite grade C. Momentum 62.2 / Value 55.0 / Sentiment 44.1

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$1.04B
Beta
0.73
Shares Out
28.66M
P/E (TTM)
10.3
P/S (TTM)
5.21
P/FCF (TTM)
20.81
Rev YoY
+33.9%
EPS YoY
+21.2%
Gross Margin
-
Op Margin
+61.4%
Net Debt
$154.47M
Current Ratio
0.50
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology