Metrocity Bankshares, Inc. (MCBS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$36.08-1.42%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · MCBS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 18.5% |
| Our one-year growth estimate | diamond | -19.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 38.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
MCBS — earnings miss
Dated 2026-10-23
of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.
Why it matters: SBA loan sales fell to $9.7 million in Q3 from $27.1 million in Q2. A rebound would support fee income.
Supportive ifQuarterly SBA loan sales exceed $20 million, above Q3's $9.7 million.
Worry ifQuarterly SBA loan sales stay at or below $9.7 million.
Why it matters: The board kept the dividend at $0.31 per share. A rise would show progress on the stated dividend goal.
Supportive ifThe next board release declares a quarterly dividend above $0.31 per share.
Worry ifThe next board release keeps the dividend at $0.31 or cuts it.
Why it matters: First IC added costs, and the Q3 efficiency ratio rose to 41.81% from 40.08%. Lower costs would show the merger is being absorbed.
Supportive ifThe next reported efficiency ratio is below 41.81%. Merger-related costs also fall from Q3.
Worry ifThe next efficiency ratio is above 41.81%, or merger-related costs rise from Q3.
Why it matters: The sector is still growing, but its growth trend is easing. A drop below its median would add pressure to the bank's growth outlook.
Worry ifThe sector report says revenue growth has dropped below its median.
Less concerning ifThe sector report says revenue growth remains at or above its median.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$85 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $207 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $888 loss on $10,000 · 8.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.