MetroCity BanksharesMCBS +2.22%70 ROE % is 16.25% as of Mar. 2026, which is 19% below its 10-year median of 20.06. 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 82.84% on this metric.
The historical rank and industry rank for MetroCity Bankshares's ROE % or its related term are showing as below:
MCBS'
s ROE % Range Over the Past 10 Years
Min: 14.12 Med: 20.06 Max: 27.22
Current: 15.48
During the past 11 years, MetroCity Bankshares's highest ROE % was 27.22%. The lowest was 14.12%. And the median was 20.06%.
MCBS's ROE % is ranked better than 82.84% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs MCBS: 15.48
MetroCity Bankshares (NAS:MCBS) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's ROE % distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
MetroCity Bankshares (MCBS) has a ROE % of 16.25% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MetroCity Bankshares and its competitors. This is 19% below median its historical median of 20.06. Over the past decade, MetroCity Bankshares' ROE % has ranged from 14.12 to 27.22. According to the industry distribution chart, MetroCity Bankshares ranks #262 out of 1527 companies in the Banks industry, placing it in the top 17.2%.
Is MetroCity Bankshares' ROE % too high?
MetroCity Bankshares' current ROE % of 16.25% is 19% below median its 10-year median of 20.06. Over the past 10 years, this metric has ranged from a low of 14.12 to a high of 27.22. The Banks industry median ROE % is 10.23. MetroCity Bankshares' value of 16.25% is 58.8% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #262 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' ROE % compare to BFST and FMCB?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #262 out of 1527 companies for ROE %. This places MetroCity Bankshares in the top 17% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. MetroCity Bankshares' value of 16.25% is 58.8% above this benchmark. Historically, MetroCity Bankshares' own ROE % has ranged from 14.12 to 27.22 over the past decade. While the company's 10-year median is 20.06 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current ROE % of 16.25% is 58.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current ROE % is 16.25%, which is 19% below median its own 10-year median of 20.06. 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 $35.70 — trading 6% above its estimated fair value. The current ROE % is 16.25%, which is 19% below median its 10-year median of 20.06 and 58.8% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For MetroCity Bankshares (MCBS), the current ROE % is 16.25% 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 $35.70 is trading 6% above its estimated GF Value™ of $33.69.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for MCBS:
ROE %: 16.25% (19% below median its 10-year median of 20.06)
GF Value™: $33.69 vs. price of $35.70 (6% above fair value)
Industry Position: 58.8% above the Banks median (#262 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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