MetroCity BanksharesMCBS +2.22%70 FCF Margin % is 90.10% as of Mar. 2026, which is 94% above its 10-year median of 46.44. GuruFocus rates MCBS with a GF Score™ of 70/100 and a GF Value™ of $33.69 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, MetroCity Bankshares ranks better than 70.43% on this metric.
The historical rank and industry rank for MetroCity Bankshares's FCF Margin % or its related term are showing as below:
MCBS'
s FCF Margin % Range Over the Past 10 Years
Min: -245.85 Med: 46.44 Max: 173.07
Current: 42.2
During the past 11 years, the highest FCF Margin % of MetroCity Bankshares was 173.07%. The lowest was -245.85%. And the median was 46.44%.
MCBS's FCF Margin % is ranked better than 70.43% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs MCBS: 42.20
MetroCity Bankshares FCF Margin % Related Terms
MetroCity Bankshares FCF Margin % Historical Data
* Premium members only.
The historical data trend for MetroCity Bankshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's FCF Margin % 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 (MCBS) has a FCF Margin % of 90.10% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on MetroCity Bankshares and its competitors. This is 94% above median its historical median of 46.44. According to the industry distribution chart, MetroCity Bankshares ranks #445 out of 1505 companies in the Banks industry, placing it in the top 29.6%.
Is MetroCity Bankshares' FCF Margin % too high?
MetroCity Bankshares' current FCF Margin % of 90.10% is 94% above median its 10-year median of 46.44. The Banks industry median FCF Margin % is 26.55. MetroCity Bankshares' value of 90.10% is 239.4% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #445 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, MetroCity Bankshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' FCF Margin % compare to BFST and FMCB?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #445 out of 1505 companies for FCF Margin %. This puts MetroCity Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.55. MetroCity Bankshares' value of 90.10% is 239.4% above this benchmark. While the company's 10-year median is 46.44 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current FCF Margin % of 90.10% is 239.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current FCF Margin % is 90.10%, which is 94% above median its own 10-year median of 46.44. 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 (MCBS) is currently considered Fairly Valued. The stock's GF Value™ is $33.69, compared to a current price of $35.70 — trading 6% above its estimated fair value. The current FCF Margin % is 90.10%, which is 94% above median its 10-year median of 46.44 and 239.4% above the Banks industry median of 26.55. MetroCity Bankshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For MetroCity Bankshares (MCBS), the current FCF Margin % is 90.10% 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 (MCBS) Overvalued in 2026?
Based on GuruFocus' analysis, MetroCity Bankshares stock appears to be overvalued.
The current stock price of $35.70 is trading 6% above its estimated GF Value™ of $33.69.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for MCBS:
FCF Margin %: 90.10% (94% above median its 10-year median of 46.44)
GF Value™: $33.69 vs. price of $35.70 (6% above fair value)
Industry Position: 239.4% above the Banks median (#445 of 1505)
No single metric tells the full story. See the MCBS 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.
70GF Score
Get the complete analysis for MCBS
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MCBS has been successfully added to your 
