ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / MCBS / earnings
MBWM (56) BFST (70) EGBN (54) CCNE (65) ⌘ Pro Terminal →

MetroCity Bankshares Inc. (MCBS) Next Earnings Date & Expected ±4.4% Move

$36.70 +2.34% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.78

MetroCity Bankshares Inc. (MCBS) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.03B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MCBS Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MCBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, MetroCity Bankshares Inc. (NASDAQ: MCBS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $36.70 (+2.34% 1D, market cap $1.03B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MCBS ranks #339 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MCBS compare to MBWM and BFST in the Financials sector?
▼

Within the Financials sector (Major Banks), MCBS carries a Roarable C (62/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 12.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a D+ grade (56/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.03B) and BFST (Business First Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 11.8x, ROIC 9.8%, cap $1.04B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MCBS?
▼

Per MCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001747068), MetroCity Bankshares Inc. generated $2.00B in revenue (+32.7% YoY), $68.5M in net income, and $37.0M in free cash flow against $4.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $36.78 (+0.23%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 1.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C-
Cash (9)Whales (13)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$44 Bull$37 Base$29 Bear
📬 FREE MCBS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCBS)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY MCBS SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$34.64+0.7% Next Q
Q2 (-2Q)
57
Grade C$34.89+3.2% Next Q
Q3 (-1Q)
59
Grade C$36.00+1.9% Next Q
Current
62
Grade C$36.70+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MCBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, MCBS faces multiple-compression risk if 15.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($35.12) or 200D SMA ($32.82) invalidates the momentum regime and cuts Target Base ($37.36) toward Bear Floor ($29.14).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MCBS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MCBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.4% Swing Band

±$1.61 Expected Swing
$35.09 (-4.4%)Spot $36.70$38.31 (+4.4%)
MODEL EARNINGS SETUP GAUGE

MCBS Quantitative Pre-Earnings Setup: 62/100

Trailing EPS: $2.38 • YoY Revenue Growth: 12.4%

Model Bullish Setup (62/100)Model Risk Weight (38/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$2.00B$68.5M$37.0M52%
FY 20242024-12-31$1.51B$64.5M$62.2M52%
FY 20232023-12-31$312.0M$51.6M$82.1M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating MCBS & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on MCBS
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
MCBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.25%⚡ TESTING RESISTANCE
2026-11-03O $36.03H $36.70L $35.86C $36.70VOL 62.1K
RES: $36.83SUP: $34.17SMA50: $35.12SMA200: $32.82
$38.10$35.44$32.77$30.11$27.44RES $36.83SUP $34.17$36.702026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MCBS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MCBS Butterfly Map → + Track MCBS →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
7.3%/yr Implied 5Y Growth

vs. +32.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MCBS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MCBS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MCBS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MCBS)

Financials Rank #339 of 1097 ⚔️ MBWM vs MCBS Full Matrix →

1. Head-to-Head Financials Peer Comparison (MCBS vs. MBWM, BFST, EGBN, CCNE)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, MetroCity Bankshares Inc. (MCBS) ranks #339 by composite RQD confidence (62/100, grade C) and #544 by equity capitalization ($1.03B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. BFST currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with MCBS at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MCBS ACTIVE
MetroCity Bankshares Inc.
C 62/100 15.1x — 12.6% +2.34% $1.03B Benchmark Subject
MBWM
Mercantile Bank Corporation
D+ 56/100 11.8x — 12.2% +2.32% $1.03B /mbwm-vs-mcbs →
BFST
Business First Bancshares Inc.
B- 70/100 11.8x — 9.8% +2.89% $1.04B /bfst-vs-mcbs →
EGBN
Eagle Bancorp Inc.
D+ 54/100 — — -12.2% +2.67% $1.01B /egbn-vs-mcbs →
CCNE
CNB Financial Corporation
C 65/100 16.0x — 7.6% +3.10% $1.05B /ccne-vs-mcbs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001747068 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MetroCity Bankshares Inc. (MCBS) reported GAAP revenue of $2.00B (+32.7% vs. FY2024 revenue of $1.51B , and +541.9% cumulative change since FY2023) , GAAP net income of $68.5M, operating cash flow of $37.7M, and free cash flow of $37.0M (-40.5% YoY). On the balance sheet, MCBS closed FY2025 with $4.77B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.00B $68.5M $37.7M $37.0M $4.77B —
FY2024 (FY) 2024-12-31 $1.51B $64.5M $63.5M $62.2M $3.59B —
FY2023 (FY) 2023-12-31 $312.0M $51.6M $82.1M $82.1M — —

3. MCBS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MCBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, MetroCity Bankshares Inc. (NASDAQ: MCBS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $36.70 (+2.34% 1D, market cap $1.03B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MCBS ranks #339 in composite RQD confidence.

How does MCBS compare to MBWM and BFST in the Financials sector?

Within the Financials sector (Major Banks), MCBS carries a Roarable C (62/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 12.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a D+ grade (56/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.03B) and BFST (Business First Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 11.8x, ROIC 9.8%, cap $1.04B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MCBS?

Per MCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001747068), MetroCity Bankshares Inc. generated $2.00B in revenue (+32.7% YoY), $68.5M in net income, and $37.0M in free cash flow against $4.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MCBS trading relative to its 50-day, 200-day, and 52-week technical levels?

MCBS last traded at $36.70 (+2.34% on volume of 121,910 shares), positioning the stock +4.50% above its 50-day simple moving average ($35.12) and +11.82% above its 200-day simple moving average ($32.82). Across its 52-week range of $24.53 to $37.46, MCBS sits at the 94.1% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($35.09 to $38.31).

Direct Sub-Reports: MCBS RQD Cockpit MCBS 12M Forecast MCBS Earnings & Move MCBS Dividends & DRIP MCBS Insiders & 13F MCBS Whale Options MCBS Profit Sankey MCBS News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

MCBS — MetroCity Bankshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

MetroCity Bankshares Inc. (MCBS) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $36.70 (+2.34% 1D, market capitalization $1.03B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 12.6%, gross margin of —, operating margin of —, and free cash flow yield of 3.57%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector and Major Banks industry, with a market capitalization of $1.0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), MetroCity Bankshares Inc. (MCBS) reported $2.00B in annual revenue (up from $1.51B in FY2024, +32.7% YoY) and $68.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($312.0M revenue, $51.6M net income) through FY2025, MCBS scaled operating cash flow to $37.7M and free cash flow to $37.0M, backed by $4.77B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 3.57% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $24.53 – $37.46 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context provided is the Financials sector and Major Banks industry classification.

  • Key Question #1: Can MCBS sustain or expand its — operating margin and 12.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.00B and free cash flow of $37.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MCBS's 14.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MCBS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for MetroCity Bankshares Inc. (MCBS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MCBS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MCBS Bull vs. Bear Conversation Board — What's Your Call at $36.70?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MCBS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MCBS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $43.03 (+20.0%)
📌 Pinned Debate

Insider conviction scores 16 of 20 and net income rose from $51.6M to $68.5M over FY 2023–FY 2025 while the stock trades at 15.1x trail

Long MCBS at $35.86 targeting $43.03. Insider conviction scores 16 of 20 and net income rose from $51.6M to $68.5M over FY 2023–FY 2025 while the stock trades at 15.1x trailing earnings.. Institutional whale score is 13/20 and the risk/reward vs. the $24.53 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@TapeReader_Pro Agree on the RQD 62/100 quality, though with 1.0 beta I'm scaling in with half-size at $35.86 and keeping dry powder in case we test $33.35.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $26.89 (-25.0%)
Spot @ $35.86

Free cash flow fell from $82.1M to $37.0M over FY 2023–FY 2025 and the Fundamental Cash Engine pillar scores only 9 of 20.

Sitting on the sidelines or leaning short MCBS above $35.86. Free cash flow fell from $82.1M to $37.0M over FY 2023–FY 2025 and the Fundamental Cash Engine pillar scores only 9 of 20.. Until Fundamental Cash Engine (9/20) and FCF yield (3.57%) inflect higher, upside is capped near $37.46.

LIVE TAPE