MetroCity BanksharesFRA:7IR -0.64%70 Return-on-Tangible-Equity is 18.75% as of Mar. 2026, which is 7% below its 10-year median of 20.25. GuruFocus rates FRA:7IR with a GF Score™ of 70/100 and a GF Value™ of €30.04 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,521 Banks companies, MetroCity Bankshares ranks better than 80.21% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. MetroCity Bankshares's annualized net income for the quarter that ended in Mar. 2026 was €77.2 Mil. MetroCity Bankshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €411.8 Mil. Therefore, MetroCity Bankshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.75%.
The historical rank and industry rank for MetroCity Bankshares's Return-on-Tangible-Equity or its related term are showing as below:
FRA:7IR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 14.22 Med: 20.25 Max: 29.32
Current: 16.47
During the past 11 years, MetroCity Bankshares's highest Return-on-Tangible-Equity was 29.32%. The lowest was 14.22%. And the median was 20.25%.
FRA:7IR's Return-on-Tangible-Equity is ranked better than 80.21% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:7IR: 16.47
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
MetroCity Bankshares Return-on-Tangible-Equity Related Terms
MetroCity Bankshares Return-on-Tangible-Equity Historical Data
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The historical data trend for MetroCity Bankshares's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, MetroCity Bankshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.75% mean?
MetroCity Bankshares (FRA:7IR) has a Return-on-Tangible-Equity of 18.75% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MetroCity Bankshares and its competitors. This is near median its historical median of 20.25. Over the past decade, MetroCity Bankshares' Return-on-Tangible-Equity has ranged from 14.22 to 29.32. According to the industry distribution chart, MetroCity Bankshares ranks #301 out of 1521 companies in the Banks industry, placing it in the top 19.8%.
Is MetroCity Bankshares' Return-on-Tangible-Equity too high?
MetroCity Bankshares' current Return-on-Tangible-Equity of 18.75% is near median its 10-year median of 20.25. Over the past 10 years, this metric has ranged from a low of 14.22 to a high of 29.32. The Banks industry median Return-on-Tangible-Equity is 11.19. MetroCity Bankshares' value of 18.75% is 67.6% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #301 out of 1521 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' Return-on-Tangible-Equity compare to EQBK and ESQ?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #301 out of 1521 companies for Return-on-Tangible-Equity. This places MetroCity Bankshares in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. MetroCity Bankshares' value of 18.75% is 67.6% above this benchmark. Historically, MetroCity Bankshares' own Return-on-Tangible-Equity has ranged from 14.22 to 29.32 over the past decade. While the company's 10-year median is 20.25 vs. the industry median of 11.19, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current Return-on-Tangible-Equity of 18.75% is 67.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current Return-on-Tangible-Equity is 18.75%, which is near median its own 10-year median of 20.25. 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 €30.04, compared to a current price of €31.00 — trading 3.2% above its estimated fair value. The current Return-on-Tangible-Equity is 18.75%, which is near median its 10-year median of 20.25 and 67.6% above the Banks industry median of 11.19. MetroCity Bankshares' overall GF Score™ is 70/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Return-on-Tangible-Equity is 18.75% 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 €31.00 is trading 3.2% above its estimated GF Value™ of €30.04.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
Return-on-Tangible-Equity: 18.75% (near median its 10-year median of 20.25)
GF Value™: €30.04 vs. price of €31.00 (3.2% above fair value)
Industry Position: 67.6% above the Banks median (#301 of 1521)
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.
70GF Score
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