MetroCity Bankshares (FRA:7IR) Cyclically Adjusted Book per Share: €10.94 (As of Mar. 2026)


FRA:7IR MetroCity Bankshares Inc FRA:7IR
71 GF Score
Price €31.80
GF Value €29.70
Valuation Fairly Valued
! 7 Warning Signs
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What is MetroCity Bankshares Cyclically Adjusted Book per Share?

MetroCity Bankshares FRA:7IR 71 Cyclically Adjusted Book per Share is €10.94 as of Mar. 2026. GuruFocus rates FRA:7IR with a GF Score™ of 71/100 and a GF Value™ of €29.70 (Fairly Valued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

MetroCity Bankshares's adjusted book value per share for the three months ended in Mar. 2026 was €16.725. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €10.94 for the trailing ten years ended in Mar. 2026.

During the past 12 months, MetroCity Bankshares's average Cyclically Adjusted Book Growth Rate was 12.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-04), MetroCity Bankshares's current stock price is €31.80. MetroCity Bankshares's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €10.94. MetroCity Bankshares's Cyclically Adjusted PB Ratio of today is 2.91.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of MetroCity Bankshares was 2.91. The lowest was 2.18. And the median was 2.48.


MetroCity Bankshares  (FRA:7IR) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

MetroCity Bankshares's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=31.80/10.94
=2.91

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of MetroCity Bankshares was 2.91. The lowest was 2.18. And the median was 2.48.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


MetroCity Bankshares Cyclically Adjusted Book per Share Related Terms


MetroCity Bankshares Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for MetroCity Bankshares's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

MetroCity Bankshares Cyclically Adjusted Book per Share Chart

MetroCity Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 9.82 10.19

MetroCity Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.40 9.02 9.33 10.19 10.94

FRA:7IR vs EQBK, ESQ, FSBC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, MetroCity Bankshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MetroCity Bankshares Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, MetroCity Bankshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where MetroCity Bankshares's Cyclically Adjusted PB Ratio falls into.


FRA:7IR
71GF Score
MetroCity Bankshares Inc FRA:7IR
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MetroCity Bankshares Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, MetroCity Bankshares's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=16.725/330.2130*330.2130
=16.725

Current CPI (Mar. 2026) = 330.2130.

MetroCity Bankshares Quarterly Data

Book Value per Share CPI Adj_Book
201606 3.710 241.018 5.083
201609 3.871 241.428 5.295
201612 4.301 241.432 5.883
201703 0.000 243.801 0.000
201706 4.553 244.955 6.138
201709 4.435 246.819 5.933
201712 4.742 246.524 6.352
201803 4.851 249.554 6.419
201806 5.431 251.989 7.117
201809 5.678 252.439 7.427
201812 6.110 251.233 8.031
201903 6.368 254.202 8.272
201906 6.711 256.143 8.652
201909 7.263 256.759 9.341
201912 7.640 256.974 9.817
202003 7.931 258.115 10.146
202006 7.935 257.797 10.164
202009 7.840 260.280 9.946
202012 7.838 260.474 9.937
202103 8.355 264.877 10.416
202106 8.575 271.696 10.422
202109 9.218 274.310 11.097
202112 10.086 278.802 11.946
202203 11.068 287.504 12.712
202206 12.008 296.311 13.382
202209 13.895 296.808 15.459
202212 13.105 296.797 14.580
202303 13.111 301.836 14.344
202306 13.625 305.109 14.746
202309 14.281 307.789 15.321
202312 13.880 306.746 14.942
202403 14.476 312.332 15.305
202406 14.934 314.175 15.696
202409 14.483 315.301 15.168
202412 15.840 315.605 16.573
202503 15.584 319.799 16.091
202506 14.805 322.561 15.156
202509 14.876 324.800 15.124
202512 16.126 324.054 16.432
202603 16.725 330.213 16.725

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €10.94 mean?
MetroCity Bankshares (FRA:7IR) has a Cyclically Adjusted Book per Share of €10.94 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on MetroCity Bankshares and its competitors.
Is MetroCity Bankshares' Cyclically Adjusted Book per Share too high?
MetroCity Bankshares' current Cyclically Adjusted Book per Share is €10.94. Overall, MetroCity Bankshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Cyclically Adjusted Book per Share compare to EQBK and ESQ?
MetroCity Bankshares' Cyclically Adjusted Book per Share of €10.94 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on MetroCity Bankshares and its competitors. MetroCity Bankshares's current Cyclically Adjusted Book per Share is €10.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MetroCity Bankshares stock overvalued right now?
Based on GuruFocus' analysis, MetroCity Bankshares (FRA:7IR) is currently considered Fairly Valued. The stock's GF Value™ is €29.70, compared to a current price of €31.80 — trading 7.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is €10.94. MetroCity Bankshares' overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Cyclically Adjusted Book per Share is €10.94 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is MetroCity Bankshares (FRA:7IR) Overvalued in 2026?

Based on GuruFocus' analysis, MetroCity Bankshares stock appears to be overvalued. The current stock price of €31.80 is trading 7.1% above its estimated GF Value™ of €29.70. GuruFocus considers MetroCity Bankshares to be Fairly Valued.

Key valuation signals for FRA:7IR:

  • Cyclically Adjusted Book per Share: €10.94
  • GF Value™: €29.70 vs. price of €31.80 (7.1% above fair value)
  • GF Score™: 71/100 with 7 warning signs

No single metric tells the full story. See the FRA:7IR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MetroCity Bankshares Business Description

Other Exchanges MCBS:USA
Address 5114 Buford Highway, Doraville, GA, USA, 30340
MetroCity Bankshares Inc is a bank holding company. Through its banking subsidiary, it operates as a full-service commercial bank focused on delivering various financial products and services to the small-to medium-sized businesses and individuals in its markets, including many customers in diverse and multi-ethnic communities in metropolitan markets in the Eastern U.S., Texas and California. The company provides commercial banking services such as consumer and commercial checking accounts, savings accounts, certificates of deposits, commercial and consumer loans, money transfers, and a variety of other banking services. The majority of its revenue is generated in the form of interest income.
71GF Score

Get the complete analysis for FRA:7IR

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.80
Price
€29.70
GF Value