MetroCity Bankshares (FRA:7IR) Long-Term Debt: €367.6 Mil (As of Mar. 2026)

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FRA:7IR MetroCity Bankshares Inc FRA:7IR
73 GF Score
Price €31.20
GF Value €30.04
Valuation Fairly Valued
! 7 Warning Signs
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What is MetroCity Bankshares Long-Term Debt?

MetroCity Bankshares FRA:7IR +3.31% 73 Long-Term Debt is €367.6 Mil as of Mar. 2026. GuruFocus rates FRA:7IR with a GF Score™ of 73/100 and a GF Value™ of €30.04 (Fairly Valued). The stock has 7 warning signs investors should review.

MetroCity Bankshares's Long-Term Debt for the quarter that ended in Mar. 2026 was €367.6 Mil.

MetroCity Bankshares's quarterly Long-Term Debt declined from Sep. 2025 (€362.1 Mil) to Dec. 2025 (€320.3 Mil) but then increased from Dec. 2025 (€320.3 Mil) to Mar. 2026 (€367.6 Mil).

MetroCity Bankshares's annual Long-Term Debt increased from Dec. 2023 (€298.0 Mil) to Dec. 2024 (€358.1 Mil) but then declined from Dec. 2024 (€358.1 Mil) to Dec. 2025 (€320.3 Mil).

MetroCity Bankshares  (FRA:7IR) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

MetroCity Bankshares Long-Term Debt Related Terms

MetroCity Bankshares Long-Term Debt Historical Data

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The historical data trend for MetroCity Bankshares's Long-Term Debt 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 Long-Term Debt Chart

MetroCity Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 442.91 354.37 298.03 358.13 320.25

MetroCity Bankshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 393.13 368.48 362.10 320.25 367.63
FRA:7IR
73GF Score
MetroCity Bankshares Inc FRA:7IR
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €367.6 Mil mean?
MetroCity Bankshares (FRA:7IR) has a Long-Term Debt of €367.6 Mil as of Mar. 2026.
Is MetroCity Bankshares' Long-Term Debt too high?
MetroCity Bankshares' current Long-Term Debt is €367.6 Mil. 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' Long-Term Debt compare to EQBK and ESQ?
MetroCity Bankshares' Long-Term Debt of €367.6 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. MetroCity Bankshares's current Long-Term Debt is €367.6 Mil. 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 €30.04, compared to a current price of €31.20 — trading 3.9% above its estimated fair value. The current Long-Term Debt is €367.6 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Long-Term Debt is €367.6 Mil 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 €31.20 is trading 3.9% above its estimated GF Value™ of €30.04. GuruFocus considers MetroCity Bankshares to be Fairly Valued.

Key valuation signals for FRA:7IR:

  • Long-Term Debt: €367.6 Mil
  • GF Value™: €30.04 vs. price of €31.20 (3.9% above fair value)
  • GF Score™: 73/100 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.
73GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.20
Price
€30.04
GF Value