MetroCity BanksharesFRA:7IR +2.58%71 EV-to-FCF is 15.82 as of Jul. 03, 2026, which is 83% above its 10-year median of 8.65. GuruFocus rates FRA:7IR with a GF Score™ of 71/100 and a GF Value™ of €29.68 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, MetroCity Bankshares ranks worse than 77.54% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MetroCity Bankshares's Enterprise Value is €969.7 Mil.
MetroCity Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €61.3 Mil. Therefore, MetroCity Bankshares's EV-to-FCF for today is 15.82.
The historical rank and industry rank for MetroCity Bankshares's EV-to-FCF or its related term are showing as below:
FRA:7IR'
s EV-to-FCF Range Over the Past 10 Years
Min: -3.47 Med: 8.65 Max: 29.57
Current: 15.56
During the past 11 years, the highest EV-to-FCF of MetroCity Bankshares was 29.57. The lowest was -3.47. And the median was 8.65.
FRA:7IR's EV-to-FCF is ranked worse than 77.54% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs FRA:7IR: 15.56
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MetroCity Bankshares's PE Ratio (TTM) for today is calculated as:
MetroCity Bankshares's share price for today is €31.80.
MetroCity Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.382.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
MetroCity Bankshares EV-to-FCF Related Terms
MetroCity Bankshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for MetroCity Bankshares's EV-to-FCF 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.
For the Banks - Regional subindustry, MetroCity Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's EV-to-FCF falls into.
MetroCity Bankshares's current Enterprise Value is €969.7 Mil.
MetroCity Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €61.3 Mil.
* 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 EV-to-FCF of 15.82 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MetroCity Bankshares and its competitors. This is 83% above median its historical median of 8.65. According to the industry distribution chart, MetroCity Bankshares ranks #925 out of 1193 companies in the Banks industry, placing it in the top 77.5%.
Is MetroCity Bankshares' EV-to-FCF too high?
MetroCity Bankshares' current EV-to-FCF of 15.82 is 83% above median its 10-year median of 8.65. The Banks industry median EV-to-FCF is 6.61. MetroCity Bankshares' value of 15.82 is 139.3% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #925 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-FCF compare to EQBK and ESQ?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #925 out of 1193 companies for EV-to-FCF. This places MetroCity Bankshares in the lower half of its industry. The industry median EV-to-FCF is 6.61. MetroCity Bankshares' value of 15.82 is 139.3% above this benchmark. While the company's 10-year median is 8.65 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current EV-to-FCF of 15.82 is 139.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current EV-to-FCF is 15.82, which is 83% above median its own 10-year median of 8.65. 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 €29.68, compared to a current price of €31.80 — trading 7.1% above its estimated fair value. The current EV-to-FCF is 15.82, which is 83% above median its 10-year median of 8.65 and 139.3% above the Banks industry median of 6.61. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current EV-to-FCF is 15.82 as of Jul. 03, 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 €29.68.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
EV-to-FCF: 15.82 (83% above median its 10-year median of 8.65)
GF Value™: €29.68 vs. price of €31.80 (7.1% above fair value)
Industry Position: 139.3% above the Banks median (#925 of 1193)
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.
71GF Score
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