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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

» MCBI's 10-Y Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

MCBI Guru Trades in Q2 2013

Jim Simons 27,200 sh (+51.11%)
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Q3 2013

MCBI Guru Trades in Q3 2013

Jim Simons 24,700 sh (-9.19%)
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Q4 2013

MCBI Guru Trades in Q4 2013

Jim Simons 48,149 sh (+94.94%)
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Q1 2014

MCBI Guru Trades in Q1 2014

Jim Simons Sold Out
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» Details

Insider Trades

Latest Guru Trades with MCBI

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Dividend & Buy Back

Dividend Yield 0.30
MCBI's Dividend Yield is ranked lower than
98% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MCBI: 0.30 )
Ranked among companies with meaningful Dividend Yield only.
MCBI' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 0.3
Current: 0.3
Dividend Payout 0.12
MCBI's Dividend Payout is ranked higher than
90% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MCBI: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
MCBI' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.12
Yield on cost (5-Year) 0.30
MCBI's Yield on cost (5-Year) is ranked lower than
97% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MCBI: 0.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MCBI' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 0
Current: 0.3

Valuation & Return


Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
MetroCorp Bancshares, Inc. was incorporated as a business Corporation under the laws of the State of Texas in 1998 to serve as a holding Company for MetroBank, National Association. The Company is engaged in commercial banking activities through its wholly-owned subsidiaries, MetroBank, National Association (MetroBank) in Texas and Metro United Bank (Metro United) in California. Its commercial lending emphasis includes loans to wholesalers, manufacturers and business service companies. The Company makes available to businesses an array of short and medium-term commercial lending products for working capital, purchases of equipment and machinery and business expansion. The Company offers a number of deposit products and services to retail customers through its branch networks in Texas and California. Retail deposit products and services include checking and savings accounts, money market accounts, time deposits, ATM cards, debit cards and online banking. The Company through its subsidiary MetroBank, offers retail loan products which include residential mortgage loans, residential construction loans, automobile loans, lines of credit and other personal loans. The Banks attract customer deposits through their nineteen branches located in the greater Houston, Dallas, San Diego, Los Angeles, and San Francisco metropolitan areas. The Company competes with other commercial banks, savings banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking firms, asset-based non-bank lenders and certain other non-financial entities, including retail stores which may maintain its own credit programs and certain governmental organizations which might offer more favorable financing.It is subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System.

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