MetroCity Bankshares (FRA:7IR) Dividend Payout Ratio: 0.31 (As of Mar. 2026) — 24% Above Median

What is MetroCity Bankshares Dividend Payout Ratio?

MetroCity Bankshares FRA:7IR +2.58% 71 Dividend Payout Ratio is 0.31 as of Mar. 2026, which is 24% above its 10-year median of 0.25. 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 1,169 Banks companies, MetroCity Bankshares ranks worse than 53.98% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. MetroCity Bankshares's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.31.

The historical rank and industry rank for MetroCity Bankshares's Dividend Payout Ratio or its related term are showing as below:

FRA:7IR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.13 Med: 0.25 Max: 0.36
Current: 0.35

During the past 11 years, the highest Dividend Payout Ratio of MetroCity Bankshares was 0.36. The lowest was 0.13. And the median was 0.25.

FRA:7IR's Dividend Payout Ratio is ranked worse than
53.98% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs FRA:7IR: 0.35

As of today (2026-07-03), the Dividend Yield % of MetroCity Bankshares is 2.79%.

During the past 11 years, the highest Trailing Annual Dividend Yield of MetroCity Bankshares was 4.94%. The lowest was 0.50%. And the median was 2.76%.

MetroCity Bankshares's Dividends per Share for the months ended in Mar. 2026 was €0.22.

During the past 12 months, MetroCity Bankshares's average Dividends Per Share Growth Rate was 14.00% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 17.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 19.80% per year.

During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of MetroCity Bankshares was 31.70% per year. The lowest was 6.60% per year. And the median was 19.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

MetroCity Bankshares (FRA:7IR) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

MetroCity Bankshares Dividend Payout Ratio Related Terms

MetroCity Bankshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for MetroCity Bankshares's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

MetroCity Bankshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.19

0.25

0.36

0.33

0.35

MetroCity Bankshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.36	0.35	0.37	0.37	0.31

FRA:7IR vs EQBK, ESQ, FSBC: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, MetroCity Bankshares's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, MetroCity Bankshares's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where MetroCity Bankshares's Dividend Payout Ratio falls into.

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71GF Score

MetroCity Bankshares Inc FRA:7IR

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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MetroCity Bankshares Dividend Payout Ratio Calculation

MetroCity Bankshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.82	/	2.369
	=	0.35

MetroCity Bankshares's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.216	/	0.703
	=	0.31

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.31 mean?

MetroCity Bankshares (FRA:7IR) has a Dividend Payout Ratio of 0.31 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on MetroCity Bankshares and its competitors. This is 24% above median its historical median of 0.25. Over the past decade, MetroCity Bankshares' Dividend Payout Ratio has ranged from 0.13 to 0.36. According to the industry distribution chart, MetroCity Bankshares ranks #631 out of 1169 companies in the Banks industry, placing it in the top 54%.

Is MetroCity Bankshares' Dividend Payout Ratio too high?

MetroCity Bankshares' current Dividend Payout Ratio of 0.31 is 24% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.36. The Banks industry median Dividend Payout Ratio is 0.32. MetroCity Bankshares' value of 0.31 is 3.1% below this industry median. Based on the distribution chart, MetroCity Bankshares ranks #631 out of 1169 companies in the Banks industry, which is below the industry midpoint. 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' Dividend Payout Ratio compare to EQBK and ESQ?

According to the Banks industry distribution chart, MetroCity Bankshares ranks #631 out of 1169 companies for Dividend Payout Ratio. This places MetroCity Bankshares in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. MetroCity Bankshares' value of 0.31 is 3.1% below this benchmark. Historically, MetroCity Bankshares' own Dividend Payout Ratio has ranged from 0.13 to 0.36 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.32, MetroCity Bankshares has consistently been below 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Dividend Payout Ratio of 0.31 is 3.1% below 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Dividend Payout Ratio is 0.31, which is 24% above median its own 10-year median of 0.25. 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 Dividend Payout Ratio is 0.31, which is 24% above median its 10-year median of 0.25 and 3.1% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Dividend Payout Ratio is 0.31 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 €31.80 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:

Dividend Payout Ratio: 0.31 (24% above median its 10-year median of 0.25)
GF Value™: €29.68 vs. price of €31.80 (7.1% above fair value)
GF Score™: 71/100 with 7 warning signs
Industry Position: 3.1% below the Banks median (#631 of 1169)

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

Industry Financial Services Banks

Comparable Companies EQBK ESQ FSBC FBAK BFST HBNC SBSI CCNE AMTB CFFN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges MCBS:USA

Address 5114 Buford Highway, Doraville, GA, USA, 30340

Website https://www.metrocitybank.com

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

Get the complete analysis for FRA:7IR

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.80

Price

€29.68

GF Value

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