Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MetroCity BanksharesFRA:7IR +0.65%73 Debt-to-Equity is 0.69 as of Jun. 2026, which is 22% below its 10-year median of 0.88. GuruFocus rates FRA:7IR with a GF Score™ of 73/100 and a GF Value™ of €29.47 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,419 Banks companies, MetroCity Bankshares ranks worse than 56.31% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for MetroCity Bankshares's Debt-to-Equity or its related term are showing as below:
FRA:7IR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.88 Max: 1.76
Current: 0.69
During the past 11 years, the highest Debt-to-Equity Ratio of MetroCity Bankshares was 1.76. The lowest was 0.02. And the median was 0.88.
FRA:7IR's Debt-to-Equity is ranked worse than 56.31% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs FRA:7IR: 0.69
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
MetroCity Bankshares Debt-to-Equity Related Terms
MetroCity Bankshares Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for MetroCity Bankshares's Debt-to-Equity 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.
FRA:7IR vs ESQ, EQBK, AGBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, MetroCity Bankshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's Debt-to-Equity falls into.
* 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 (FRA:7IR) has a Debt-to-Equity of 0.69 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MetroCity Bankshares and its competitors. This is 22% below median its historical median of 0.88. Over the past decade, MetroCity Bankshares' Debt-to-Equity has ranged from 0.02 to 1.76. According to the industry distribution chart, MetroCity Bankshares ranks #799 out of 1419 companies in the Banks industry, placing it in the top 56.3%.
Is MetroCity Bankshares' Debt-to-Equity too high?
MetroCity Bankshares' current Debt-to-Equity of 0.69 is 22% below median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.76. The Banks industry median Debt-to-Equity is 0.59. MetroCity Bankshares' value of 0.69 is 16.9% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #799 out of 1419 companies in the Banks industry, which is below the industry midpoint. Overall, MetroCity Bankshares has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Debt-to-Equity compare to ESQ and EQBK?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #799 out of 1419 companies for Debt-to-Equity. This places MetroCity Bankshares in the lower half of its industry. The industry median Debt-to-Equity is 0.59. MetroCity Bankshares' value of 0.69 is 16.9% above this benchmark. Historically, MetroCity Bankshares' own Debt-to-Equity has ranged from 0.02 to 1.76 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 0.59, MetroCity Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.59, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Debt-to-Equity of 0.69 is 16.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Debt-to-Equity is 0.69, which is 22% below median its own 10-year median of 0.88. 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 €29.47, compared to a current price of €31.00 — trading 5.2% above its estimated fair value. The current Debt-to-Equity is 0.69, which is 22% below median its 10-year median of 0.88 and 16.9% above the Banks industry median of 0.59. MetroCity Bankshares' overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Debt-to-Equity is 0.69 as of Jun. 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 €31.00 is trading 5.2% above its estimated GF Value™ of €29.47.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
Debt-to-Equity: 0.69 (22% below median its 10-year median of 0.88)
GF Value™: €29.47 vs. price of €31.00 (5.2% above fair value)
Industry Position: 16.9% above the Banks median (#799 of 1419)
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 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.
73GF Score
Get the complete analysis for FRA:7IR
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:7IR has been successfully added to your 
