MetroCity Bankshares (MCBS) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), MetroCity Bankshares had a P/E ratio of 9.87 (down from 12.55), return on equity of 14.2% (down from 16.1%), debt-to-equity of 0.97 (up from 0.91) and return on assets of 1.6% (down from 1.8%). Its dividend yield was 4.09% with a payout ratio of 36.3%.

MetroCity Bankshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.87	12.55	11.73	8.74	11.36	10.17
Forward P/E	8.91	12.68	11.83	9.66	10.11	10.07
P/S Ratio	4.34	5.75	5.06	3.90	5.37	4.12
P/B Ratio	1.24	1.92	1.59	1.57	2.42	1.51
Price/Tangible Book	1.42	1.92	1.59	1.57	2.42	1.51
Price/FCF	18.26	13.01	7.85	4.14	10.78	2.61
Price/OCF	17.94	12.75	7.38	4.06	10.71	2.60
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	14.20%	16.07%	14.12%	19.57%	23.06%	15.77%
Return on Assets (ROA)	1.64%	1.82%	1.49%	1.92%	2.47%	2.06%
Leverage & Solvency Ratios
Debt/Equity	0.97	0.91	0.88	1.10	1.76	0.50
Debt/FCF	14.20	6.16	4.33	2.91	7.85	0.85
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.13%	7.97%	8.53%	11.44%	8.80%	9.83%
FCF Yield	5.48%	7.69%	12.75%	24.18%	9.28%	38.36%
Dividend Yield	4.09%	2.61%	3.00%	2.76%	1.67%	3.24%
Payout Ratio	36.25%	32.63%	35.26%	24.42%	19.11%	28.26%
Buyback Yield	-1.65%	-0.25%	0.66%	0.39%	0.04%	-4.32%
Total Return	2.44%	2.36%	3.66%	3.15%	1.71%	-1.09%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About MetroCity Bankshares Financial Ratios

What is MetroCity Bankshares's P/E ratio?

MetroCity Bankshares's P/E ratio was 9.87 for fiscal 2025 (period ended Dec 31, 2025). It was 12.55 a year earlier.

What is MetroCity Bankshares's return on equity?

MetroCity Bankshares's return on equity (ROE) was 14.2% for fiscal 2025 (period ended Dec 31, 2025). It was 16.1% a year earlier.

What is MetroCity Bankshares's debt-to-equity ratio?

MetroCity Bankshares's debt-to-equity ratio was 0.97 for fiscal 2025 (period ended Dec 31, 2025). It was 0.91 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition