MCBS
MetroCity Bankshares, Inc. Financial Services - Banks - Regional Investor Relations →
MetroCity Bankshares, Inc. (MCBS) closed at $34.98 as of 2026-09-18, trading 40.6% above its 200-week moving average of $24.88. The stock is currently moving closer to the line, down from 43.1% last week. The 14-week RSI sits at 56, indicating neutral momentum.
Trading volume is running at 1.5x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.09 ratio) is neutral — neither side is clearly dominating.
Over the past 319 weeks of data, MCBS has crossed below its 200-week moving average 2 times. On average, these episodes lasted 8 weeks. Historically, investors who bought MCBS at the start of these episodes saw an average one-year return of +53.2%.
With a market cap of $1007 million, MCBS is a small-cap stock. Return on equity stands at 15.9%, a solid level. The stock trades at 1.8x book value.
Share count has increased 14.5% over three years, indicating dilution.
Over the past 6.2 years, a hypothetical investment of $100 in MCBS would have grown to $317, compared to $237 for the S&P 500. That represents an annualized return of 20.6% vs 15.0% for the index — confirming MCBS as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -34.6% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: MCBS vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After MCBS Crosses Below the Line?
Across 2 historical episodes, buying MCBS when it crossed below its 200-week moving average produced an average return of +55.5% after 12 months (median +59.0%), compared to +30.5% for the S&P 500 over the same periods. 100% of those episodes were profitable after one year. After 24 months, the average return was +55.5% vs +28.0% for the index.
Each line shows $100 invested at the moment MCBS crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices MCBS would reach each dislocation threshold.
Dislocation Price Levels
Prices where MCBS's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-23.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $33.02 | Unusually cheap — analysis point |
| Value | +1σ | $35.56 | Cheap vs. own history |
| Fair Value | +0σ | $38.52 | Historical mean behavior |
| Expensive | -1σ | $42.02 | Expensive vs. own history |
| Deep Expensive | -2σ | $46.22 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-24 | $0.81 | $0.77 | -4.8% |
| 2026-04-24 | $0.77 | $0.81 | +5.3% |
| 2026-01-30 | $0.73 | $0.78 | +7.2% |
| 2025-10-17 | $0.67 | $0.68 | +1.1% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from MCBS's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
MCBS has crossed below its 200-week MA 2 times with an average 1-year return of +53.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 2020 | Oct 2020 | 5 | 8.2% | +58.7% | +216.8% |
| Mar 2023 | May 2023 | 11 | 12.5% | +47.8% | +134.0% |
| Average | 8 | — | +53.2% | — |
Frequently Asked Questions
Is MCBS below its 200-week moving average?
No. MetroCity Bankshares, Inc. (MCBS) is currently 40.6% above its 200-week moving average of $24.88. It would need to fall to $24.88 to cross below the line.
What is MCBS's 200-week moving average price?
MetroCity Bankshares, Inc.'s 200-week moving average is $24.88 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when MCBS drops below its 200-week moving average?
MCBS has crossed below its 200-week moving average 2 times in our data. On average, buying at that moment produced a one-year return of +53.2%. These dips have historically been decent entry points. These episodes lasted 8 weeks on average.
Is MCBS a good value right now?
Here's what our data says about MCBS as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 56. Return on equity is 15.9%. Price-to-book is 1.8x. This is not a buy or sell recommendation — always do your own research.
How does MCBS compare to the S&P 500?
Over the past 6.2 years, $100 invested in MCBS would have grown to $317, compared to $237 for the S&P 500. That's 20.6% annualized vs 15.0% for the index. MCBS has outperformed the broader market over this period.
Does MCBS pay a dividend?
Yes. MetroCity Bankshares, Inc. currently pays a dividend yield of 309.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-18