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MetroCity BanksharesFRA:7IR +0.67%74 Equity-to-Asset is 0.13 as of Jun. 2026, which is 18% above its 10-year median of 0.11. GuruFocus rates FRA:7IR with a GF Score™ of 74/100 and a GF Value™ of €30.38 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, MetroCity Bankshares ranks better than 78.27% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. MetroCity Bankshares's Total Stockholders Equity for the quarter that ended in Jun. 2026 was €492.9 Mil. MetroCity Bankshares's Total Assets for the quarter that ended in Jun. 2026 was €3,923.3 Mil.
Therefore, MetroCity Bankshares's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.13.
The historical rank and industry rank for MetroCity Bankshares's Equity-to-Asset or its related term are showing as below:
FRA:7IR'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.11 Max: 0.14
Current: 0.13
During the past 11 years, the highest Equity to Asset Ratio of MetroCity Bankshares was 0.14. The lowest was 0.09. And the median was 0.11.
FRA:7IR's Equity-to-Asset is ranked better than 78.27% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs FRA:7IR: 0.13
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
MetroCity Bankshares Equity-to-Asset Related Terms
MetroCity Bankshares Equity-to-Asset Historical Data
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The historical data trend for MetroCity Bankshares's Equity-to-Asset 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 CCNE, BFST, HBNC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, MetroCity Bankshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
MetroCity Bankshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on MetroCity Bankshares and its competitors. This is 18% above median its historical median of 0.11. Over the past decade, MetroCity Bankshares' Equity-to-Asset has ranged from 0.09 to 0.14. According to the industry distribution chart, MetroCity Bankshares ranks #331 out of 1523 companies in the Banks industry, placing it in the top 21.7%.
Is MetroCity Bankshares' Equity-to-Asset too high?
MetroCity Bankshares' current Equity-to-Asset of 0.13 is 18% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. MetroCity Bankshares' value of 0.13 is 30% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #331 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, MetroCity Bankshares has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Equity-to-Asset compare to CCNE and BFST?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #331 out of 1523 companies for Equity-to-Asset. This places MetroCity Bankshares in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. MetroCity Bankshares' value of 0.13 is 30% above this benchmark. Historically, MetroCity Bankshares' own Equity-to-Asset has ranged from 0.09 to 0.14 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Equity-to-Asset is 0.13, which is 18% above median its own 10-year median of 0.11. 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 €30.38, compared to a current price of €30.20 — trading 0.6% below its estimated fair value. The current Equity-to-Asset is 0.13, which is 18% above median its 10-year median of 0.11 and 30% above the Banks industry median of 0.10. MetroCity Bankshares' overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Equity-to-Asset is 0.13 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 undervalued.
The current stock price of €30.20 is trading 0.6% below its estimated GF Value™ of €30.38.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
Equity-to-Asset: 0.13 (18% above median its 10-year median of 0.11)
GF Value™: €30.38 vs. price of €30.20 (0.6% below fair value)
Industry Position: 30% above the Banks median (#331 of 1523)
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.
74GF Score
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