MCBS

MetroCity BanksharesC

Nasdaq / Banks

At close

2026-07-23

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 -0.1.

What can break

Credit quality worsens as acquired First IC balances season, pushing nonperforming assets and reserves higher.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $31.00 · Bull $35.00 · Bear $27.00

Data freshness

Prices

As of 2026-07-23

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-23 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-17 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-23

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $38.00

Why

Momentum63 · Δ7d -11.6

Value55 · Δ7d -0.1

Sentiment44 · Δ7d -0.9

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-11.6

Δ21d

-4.7

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+0.1

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

-0.9

Δ21d

-0.4

Why this grade

Composite grade C. Momentum 63.0 / Value 54.9 / 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 2026-07-23 • Updated nightlySource: Internal modelMethodology