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MetroCity BanksharesFRA:7IR +1.91%73 Return-on-Tangible-Asset is 1.93% as of Mar. 2026, which is 11% below its 10-year median of 2.18. GuruFocus rates FRA:7IR with a GF Score™ of 73/100 and a GF Value™ of €30.13 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, MetroCity Bankshares ranks better than 86.08% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. MetroCity Bankshares's annualizedNet Income for the quarter that ended in Mar. 2026 was €77.2 Mil. MetroCity Bankshares's average total tangible assets for the quarter that ended in Mar. 2026 was €4,003.6 Mil. Therefore, MetroCity Bankshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.93%.
The historical rank and industry rank for MetroCity Bankshares's Return-on-Tangible-Asset or its related term are showing as below:
FRA:7IR'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.49 Med: 2.18 Max: 3.06
Current: 1.84
During the past 11 years, MetroCity Bankshares's highest Return-on-Tangible-Asset was 3.06%. The lowest was 1.49%. And the median was 2.18%.
FRA:7IR's Return-on-Tangible-Asset is ranked better than 86.08% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs FRA:7IR: 1.84
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
MetroCity Bankshares Return-on-Tangible-Asset Related Terms
MetroCity Bankshares Return-on-Tangible-Asset Historical Data
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The historical data trend for MetroCity Bankshares's Return-on-Tangible-Asset 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.
FRA:7IR vs EQBK, ESQ, FSBC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, MetroCity Bankshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.93% mean?
MetroCity Bankshares (FRA:7IR) has a Return-on-Tangible-Asset of 1.93% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on MetroCity Bankshares and its competitors. This is 11% below median its historical median of 2.18. Over the past decade, MetroCity Bankshares' Return-on-Tangible-Asset has ranged from 1.49 to 3.06. According to the industry distribution chart, MetroCity Bankshares ranks #212 out of 1523 companies in the Banks industry, placing it in the top 13.9%.
Is MetroCity Bankshares' Return-on-Tangible-Asset too high?
MetroCity Bankshares' current Return-on-Tangible-Asset of 1.93% is 11% below median its 10-year median of 2.18. Over the past 10 years, this metric has ranged from a low of 1.49 to a high of 3.06. The Banks industry median Return-on-Tangible-Asset is 0.99. MetroCity Bankshares' value of 1.93% is 94.9% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #212 out of 1523 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 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Return-on-Tangible-Asset compare to EQBK and ESQ?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #212 out of 1523 companies for Return-on-Tangible-Asset. This places MetroCity Bankshares in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. MetroCity Bankshares' value of 1.93% is 94.9% above this benchmark. Historically, MetroCity Bankshares' own Return-on-Tangible-Asset has ranged from 1.49 to 3.06 over the past decade. While the company's 10-year median is 2.18 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Return-on-Tangible-Asset of 1.93% is 94.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Return-on-Tangible-Asset is 1.93%, which is 11% below median its own 10-year median of 2.18. 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 €30.13, compared to a current price of €32.00 — trading 6.2% above its estimated fair value. The current Return-on-Tangible-Asset is 1.93%, which is 11% below median its 10-year median of 2.18 and 94.9% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Return-on-Tangible-Asset is 1.93% 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 €32.00 is trading 6.2% above its estimated GF Value™ of €30.13.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
Return-on-Tangible-Asset: 1.93% (11% below median its 10-year median of 2.18)
GF Value™: €30.13 vs. price of €32.00 (6.2% above fair value)
Industry Position: 94.9% above the Banks median (#212 of 1523)
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 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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