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MetroCity BanksharesFRA:7IR +1.91%73 5-Year Yield-on-Cost % is 6.98 as of Jul. 22, 2026, which is 2% above its 10-year median of 6.81. 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 1,251 Banks companies, MetroCity Bankshares ranks better than 78.66% on this metric.
MetroCity Bankshares's yield on cost for the quarter that ended in Mar. 2026 was 6.98.
The historical rank and industry rank for MetroCity Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:7IR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.23 Med: 6.81 Max: 12.19
Current: 6.98
During the past 11 years, MetroCity Bankshares's highest Yield on Cost was 12.19. The lowest was 1.23. And the median was 6.81.
FRA:7IR's 5-Year Yield-on-Cost % is ranked better than 78.66% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs FRA:7IR: 6.98
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
MetroCity Bankshares 5-Year Yield-on-Cost % Related Terms
FRA:7IR vs EQBK, ESQ, FSBC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, MetroCity Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
MetroCity Bankshares (FRA:7IR) has a 5-Year Yield-on-Cost % of 6.98 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on MetroCity Bankshares and its competitors. This is near median its historical median of 6.81. Over the past decade, MetroCity Bankshares' 5-Year Yield-on-Cost % has ranged from 1.23 to 12.19. According to the industry distribution chart, MetroCity Bankshares ranks #267 out of 1251 companies in the Banks industry, placing it in the top 21.3%.
Is MetroCity Bankshares' 5-Year Yield-on-Cost % too high?
MetroCity Bankshares' current 5-Year Yield-on-Cost % of 6.98 is near median its 10-year median of 6.81. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 12.19. The Banks industry median 5-Year Yield-on-Cost % is 3.88. MetroCity Bankshares' value of 6.98 is 79.9% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #267 out of 1251 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' 5-Year Yield-on-Cost % compare to EQBK and ESQ?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #267 out of 1251 companies for 5-Year Yield-on-Cost %. This places MetroCity Bankshares in the top 21% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. MetroCity Bankshares' value of 6.98 is 79.9% above this benchmark. Historically, MetroCity Bankshares' own 5-Year Yield-on-Cost % has ranged from 1.23 to 12.19 over the past decade. While the company's 10-year median is 6.81 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetroCity Bankshares's current 5-Year Yield-on-Cost % of 6.98 is 79.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on MetroCity Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetroCity Bankshares's current 5-Year Yield-on-Cost % is 6.98, which is near median its own 10-year median of 6.81. 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 5-Year Yield-on-Cost % is 6.98, which is near median its 10-year median of 6.81 and 79.9% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For MetroCity Bankshares (FRA:7IR), the current 5-Year Yield-on-Cost % is 6.98 as of Jul. 22, 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:
5-Year Yield-on-Cost %: 6.98 (near median its 10-year median of 6.81)
GF Value™: €30.13 vs. price of €32.00 (6.2% above fair value)
Industry Position: 79.9% above the Banks median (#267 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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