MCBS (MetroCity Bankshares) Margin of Safety % (DCF Earnings Based): 36.21% (As of Jun. 26, 2026)


MCBS MetroCity Bankshares Inc MCBS
70 GF Score
Price $35.08
GF Value $33.69
Valuation Fairly Valued
! 5 Warning Signs
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What is MetroCity Bankshares Margin of Safety % (DCF Earnings Based)?

MetroCity Bankshares MCBS -0.26% 70 Margin of Safety % (DCF Earnings Based) is 36.21% as of Jun. 26, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), MetroCity Bankshares's Predictability Rank is 4-Stars. MetroCity Bankshares's intrinsic value calculated from the Discounted Earnings model is $54.99 and current share price is $35.08. Consequently,

MetroCity Bankshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 36.21%.

MCBS vs BFST, FMCB, ESQ: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, MetroCity Bankshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, MetroCity Bankshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where MetroCity Bankshares's Margin of Safety % (DCF Earnings Based) falls into.


MCBS
70GF Score
MetroCity Bankshares Inc MCBS
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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MetroCity Bankshares Margin of Safety % (DCF Earnings Based) Calculation

MetroCity Bankshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(54.99-35.08)/54.99
=36.21 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 36.21% mean?
MetroCity Bankshares (MCBS) has a Margin of Safety % (DCF Earnings Based) of 36.21% as of Jun. 26, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on MetroCity Bankshares.
Is MetroCity Bankshares' Margin of Safety % (DCF Earnings Based) too high?
MetroCity Bankshares' current Margin of Safety % (DCF Earnings Based) is 36.21%. 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' Margin of Safety % (DCF Earnings Based) compare to BFST and FMCB?
MetroCity Bankshares' Margin of Safety % (DCF Earnings Based) of 36.21% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on MetroCity Bankshares. MetroCity Bankshares's current Margin of Safety % (DCF Earnings Based) is 36.21%. 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 $35.08 — trading 4.1% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 36.21%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For MetroCity Bankshares (MCBS), the current Margin of Safety % (DCF Earnings Based) is 36.21% as of Jun. 26, 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 $35.08 is trading 4.1% above its estimated GF Value™ of $33.69. GuruFocus considers MetroCity Bankshares to be Fairly Valued.

Key valuation signals for MCBS:

  • Margin of Safety % (DCF Earnings Based): 36.21%
  • GF Value™: $33.69 vs. price of $35.08 (4.1% above fair value)
  • GF Score™: 70/100 with 5 warning signs

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 Business Description

Other Exchanges 7IR:Germany
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.
70GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.08
Price
$33.69
GF Value