Pulling SEC filings + quote and writing the call…

MetroCity Bankshares, Inc.
Next earnings Jul 17, 2026 · consensus $0.82 EPS, $52.7M rev
Last earnings -0.3% on 2026-04-24
Cheap, profitable ethnic-community bank just digested a transformative deal — own it for the dividend, wait for clean post-merger numbers.
Sources: SEC EDGAR (CIK 0001747068, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/25/2026, 2:21:22 PM.
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Middling fundamentals offset by an attractive price (~32% below fair value) — worth a look on the value angle.
MetroCity is a niche Atlanta-based community bank serving multi-ethnic markets (notably Asian-American communities) across 29 branches in eight states. The fundamentals are solid but unspectacular: FY2025 net income of $68.5M (+6.2% YoY), diluted EPS of $2.64 (+4.8%), and ROE of 12.6%. At $35.27, the stock trades at 13.4x trailing earnings — reasonable for a community bank growing earnings in the mid-single digits, with a stated policy of paying up to 40% of net income as dividends (FY2025 dividends paid were $24.8M, +18% YoY).
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $61.7M | $62.6M | $51.6M | $64.5M | $68.5M |
| Diluted EPS | $2.39 | $2.44 | $2.02 | $2.52 | $2.64 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Annual meeting vote results disclosed; routine governance outcome
Q1 2026 10-Q: first quarter consolidating First IC, ~$4.77B asset base
Q1 2026 earnings released — first full quarter with First IC acquisition
Annual proxy filed ahead of May shareholder meeting
Quarterly cash dividend declared, continuing payout policy
Officer/director change disclosed under Item 5.02
FY25 10-K: closed First IC ($1.13B assets) for $202M, assets +33%
Amended 8-K, likely adding First IC audited financials/pro formas
FY2025 earnings: NI $68.5M +6.2%, EPS $2.64 +4.8%
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
1049 tracked peers · median
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
| 2026-06-01 | Kim Howard Hwasaeng Executive Vice President | Award | 21.8K @ $32.66 | $713K |
| 2026-06-01 | PAEK NACK Y Chief Executive Officer | Award | 31.1K @ $32.66 | $1.02M |
| 2026-06-01 | Lai Francis Director | Award | 735.00 @ $32.66 | $24.0K |
| 2026-06-01 | Tan Farid President | Award | 31.1K @ $32.66 | $1.02M |
| 2026-06-01 | Leung Don Director | Award | 735.00 @ $32.66 | $24.0K |
| 2026-06-01 | Patel Ajit A. Director | Award | 735.00 @ $32.66 | $24.0K |
| 2026-06-01 | Lu Feiying Director | Award | 735.00 @ $32.66 | $24.0K |
| 2026-06-01 | Rhee Frank S. Director | Award | 735.00 @ $32.66 | $24.0K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.