MetroCity Bankshares
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking accounts, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residen… Read more
MetroCity Bankshares (MCBS) - Net Assets
Latest net assets as of December 2025: $544.36 Million USD
Based on the latest financial reports, MetroCity Bankshares (MCBS) has net assets worth $544.36 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.77 Billion) and total liabilities ($4.22 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $544.36 Million |
| % of Total Assets | 11.42% |
| Annual Growth Rate | 19.96% |
| 5-Year Change | 87.57% |
| 10-Year Change | 407.51% |
| Growth Volatility | 6.34 |
MetroCity Bankshares - Net Assets Trend (2013–2025)
This chart illustrates how MetroCity Bankshares's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for MetroCity Bankshares (2013–2025)
The table below shows the annual net assets of MetroCity Bankshares from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $544.36 Million | +29.19% |
| 2024-12-31 | $421.35 Million | +10.44% |
| 2023-12-31 | $381.52 Million | +9.19% |
| 2022-12-31 | $349.42 Million | +20.40% |
| 2021-12-31 | $290.22 Million | +18.54% |
| 2020-12-31 | $244.83 Million | +12.97% |
| 2019-12-31 | $216.72 Million | +28.54% |
| 2018-12-31 | $168.61 Million | +24.79% |
| 2017-12-31 | $135.12 Million | +25.97% |
| 2016-12-31 | $107.26 Million | +19.76% |
| 2015-12-31 | $89.56 Million | +22.55% |
| 2014-12-31 | $73.08 Million | +19.23% |
| 2013-12-31 | $61.29 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to MetroCity Bankshares's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1282.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $402.86 Million | 74.01% |
| Common Stock | $1.16 Million | 0.21% |
| Other Comprehensive Income | $1.67 Million | 0.31% |
| Other Components | $138.68 Million | 25.48% |
| Total Equity | $544.36 Million | 100.00% |
MetroCity Bankshares Competitors by Market Cap
The table below lists competitors of MetroCity Bankshares ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Grupo de Inversiones Suramericana S.A
PINK:GIVPY
|
$626.59 Million |
|
Ta Liang Technology Co Ltd
TW:3167
|
$626.62 Million |
|
ERAMET S.A
PINK:ERMAF
|
$626.80 Million |
|
Godrej Industries Limited
NSE:GODREJIND
|
$626.85 Million |
|
AG Anadolu Group Holding
IS:AGHOL
|
$626.55 Million |
|
Fujian Expressway Development Co Ltd
SHG:600033
|
$626.53 Million |
|
Shandong Sunway Petrochemical Engineering Co Ltd
SHE:002469
|
$626.47 Million |
|
Global Power Synergy PCL
BK:GPSC
|
$626.46 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in MetroCity Bankshares's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 421,353,000 to 544,357,000, a change of 123,004,000 (29.2%).
- Net income of 68,705,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 11,513,000.
- Other factors increased equity by 65,812,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $68.70 Million | +12.62% |
| Other Comprehensive Income | $-11.51 Million | -2.11% |
| Other Changes | $65.81 Million | +12.09% |
| Total Change | $- | 29.19% |
Book Value vs Market Value Analysis
This analysis compares MetroCity Bankshares's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.35x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 9.42x to 1.35x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $3.00 | $28.27 | x |
| 2014-12-31 | $3.46 | $28.27 | x |
| 2015-12-31 | $3.79 | $28.27 | x |
| 2016-12-31 | $4.54 | $28.27 | x |
| 2017-12-31 | $5.60 | $28.27 | x |
| 2018-12-31 | $6.89 | $28.27 | x |
| 2019-12-31 | $8.76 | $28.27 | x |
| 2020-12-31 | $9.49 | $28.27 | x |
| 2021-12-31 | $11.25 | $28.27 | x |
| 2022-12-31 | $13.60 | $28.27 | x |
| 2023-12-31 | $14.95 | $28.27 | x |
| 2024-12-31 | $16.47 | $28.27 | x |
| 2025-12-31 | $20.93 | $28.27 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently MetroCity Bankshares utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.62%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.99%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.76x
- Recent ROE (12.62%) is below the historical average (18.09%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 16.48% | 33.57% | 0.06x | 8.40x | $3.97 Million |
| 2014 | 17.10% | 35.42% | 0.06x | 7.97x | $5.19 Million |
| 2015 | 18.55% | 34.88% | 0.07x | 7.50x | $7.66 Million |
| 2016 | 18.85% | 31.68% | 0.06x | 10.26x | $9.49 Million |
| 2017 | 23.61% | 34.33% | 0.07x | 9.54x | $18.39 Million |
| 2018 | 24.51% | 38.62% | 0.07x | 8.50x | $24.47 Million |
| 2019 | 20.63% | 36.98% | 0.07x | 7.53x | $23.05 Million |
| 2020 | 14.86% | 35.35% | 0.05x | 7.75x | $11.91 Million |
| 2021 | 21.26% | 44.32% | 0.04x | 10.70x | $32.68 Million |
| 2022 | 17.92% | 38.58% | 0.05x | 9.81x | $27.66 Million |
| 2023 | 13.53% | 44.63% | 0.03x | 9.18x | $13.46 Million |
| 2024 | 15.31% | 27.52% | 0.07x | 8.53x | $22.37 Million |
| 2025 | 12.62% | 28.99% | 0.05x | 8.76x | $14.27 Million |
Industry Comparison
This section compares MetroCity Bankshares's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MetroCity Bankshares (MCBS) | $544.36 Million | 16.48% | 7.76x | $626.56 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |