MetroCity BanksharesMCBS +2.22%70 Net Margin % is 43.89% as of Mar. 2026, which is 2% below its 10-year median of 44.72. 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 1,527 Banks companies, MetroCity Bankshares ranks better than 89.65% on this metric.
The historical rank and industry rank for MetroCity Bankshares's Net Margin % or its related term are showing as below:
MCBS'
s Net Margin % Range Over the Past 10 Years
Min: 34.51 Med: 44.72 Max: 46.48
Current: 44.31
MCBS's Net Margin % is ranked better than 89.65% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MCBS: 44.31
MetroCity Bankshares (NAS:MCBS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
MetroCity Bankshares Net Margin % Related Terms
MetroCity Bankshares Net Margin % Historical Data
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The historical data trend for MetroCity Bankshares's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's Net 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 Net Margin % of 43.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on MetroCity Bankshares and its competitors. This is near median its historical median of 44.72. Over the past decade, MetroCity Bankshares' Net Margin % has ranged from 34.51 to 46.48. According to the industry distribution chart, MetroCity Bankshares ranks #158 out of 1527 companies in the Banks industry, placing it in the top 10.3%.
Is MetroCity Bankshares' Net Margin % too high?
MetroCity Bankshares' current Net Margin % of 43.89% is near median its 10-year median of 44.72. Over the past 10 years, this metric has ranged from a low of 34.51 to a high of 46.48. The Banks industry median Net Margin % is 26.95. MetroCity Bankshares' value of 43.89% is 62.9% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #158 out of 1527 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 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Net Margin % compare to BFST and FMCB?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #158 out of 1527 companies for Net Margin %. This places MetroCity Bankshares in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. MetroCity Bankshares' value of 43.89% is 62.9% above this benchmark. Historically, MetroCity Bankshares' own Net Margin % has ranged from 34.51 to 46.48 over the past decade. While the company's 10-year median is 44.72 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Net Margin % of 43.89% is 62.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Net Margin % is 43.89%, which is near median its own 10-year median of 44.72. 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 $35.86 — trading 6.4% above its estimated fair value. The current Net Margin % is 43.89%, which is near median its 10-year median of 44.72 and 62.9% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For MetroCity Bankshares (MCBS), the current Net Margin % is 43.89% 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 $35.86 is trading 6.4% above its estimated GF Value™ of $33.69.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for MCBS:
Net Margin %: 43.89% (near median its 10-year median of 44.72)
GF Value™: $33.69 vs. price of $35.86 (6.4% above fair value)
Industry Position: 62.9% above the Banks median (#158 of 1527)
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
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