MetroCity Bankshares (FRA:7IR) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


FRA:7IR MetroCity Bankshares Inc FRA:7IR
71 GF Score
Price €31.80
GF Value €29.68
Valuation Fairly Valued
! 7 Warning Signs
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What is MetroCity Bankshares Scaled Net Operating Assets?

MetroCity Bankshares FRA:7IR +2.58% 71 Scaled Net Operating Assets is 0.13 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MetroCity Bankshares's operating assets for the quarter that ended in Mar. 2026 was €3,716.0 Mil. MetroCity Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €3,195.9 Mil. MetroCity Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €4,072.2 Mil. Therefore, MetroCity Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

FRA:7IR
71GF Score
MetroCity Bankshares Inc FRA:7IR
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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MetroCity Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

MetroCity Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3755.523-3158.868)/3432.313
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4072.214 - 316.691
=3755.523

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3607.48 - 330.167 - 118.445
=3158.868

MetroCity Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3715.952-3195.894)/4072.214
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4055.42 - 339.468
=3715.952

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3576.075 - 380.181 - 0
=3195.894

* 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.

What does a Scaled Net Operating Assets of 0.13 mean?
MetroCity Bankshares (FRA:7IR) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MetroCity Bankshares and its competitors.
Is MetroCity Bankshares' Scaled Net Operating Assets too high?
MetroCity Bankshares' current Scaled Net Operating Assets is 0.13. 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' Scaled Net Operating Assets compare to EQBK and ESQ?
MetroCity Bankshares' Scaled Net Operating Assets of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on MetroCity Bankshares and its competitors. MetroCity Bankshares's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current Scaled Net Operating Assets is 0.13 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:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: €29.68 vs. price of €31.80 (7.1% above fair value)
  • GF Score™: 71/100 with 7 warning signs

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

Other Exchanges MCBS:USA
Address 5114 Buford Highway, Doraville, GA, USA, 30340
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.80
Price
€29.68
GF Value