MetroCity Bankshares Net Assets
MetroCity Bankshares net assets. Based on the latest financial reports, MetroCity Bankshares (MCBS) has net assets worth $567.85 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.52 Billion) and total liabilities ($3.95 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. Also explore MetroCity Bankshares (MCBS) equity growth momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $567.85 Million |
| % of Total Assets | 12.56% |
| Annual Growth Rate | 19.96% |
| 5-Year Change | 87.57% |
| 10-Year Change | 407.51% |
| Growth Volatility | 6.34 |
Net Assets of MetroCity Bankshares (2013–2025)
Net assets of MetroCity Bankshares from 2013 to 2025. This chart illustrates how MetroCity Bankshares's net assets have evolved over time, based on quarterly financial data. See MCBS net asset quality index to measure how much of total assets are equity-financed.
Annual Net Assets for MetroCity Bankshares (2013–2025)
The table below shows the annual net assets of MetroCity Bankshares from 2013 to 2025. For live market cap and overall valuation, see MetroCity Bankshares (MCBS) market capitalisation.
| 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.
MetroCity Bankshares Net Assets Breakdown (December 2025)
MetroCity Bankshares net assets breakdown by equity component as of 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 |
|---|---|
|
Jilin Forest
SHG:600189
|
$983.77 Million |
|
MORIMATSU INT.H.C. (HK)
F:1S5
|
$983.88 Million |
|
Ningbo Menovo Pharm Co Ltd
SHG:603538
|
$983.90 Million |
|
Shenzhen Shenbao Industrial Co Ltd
SHE:000019
|
$984.20 Million |
|
Marten Transport Ltd
NASDAQ:MRTN
|
$983.15 Million |
|
Nantong Jiangshan Agrochemical & Chemicals Co Ltd
SHG:600389
|
$983.08 Million |
|
Universal Corporation
NYSE:UVV
|
$982.77 Million |
|
Elopak AS
OL:ELO
|
$982.69 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.
- Dividend payments of 24,845,000 reduced retained earnings.
- Share repurchases of 2,727,000 reduced equity.
- Other comprehensive income decreased equity by 11,513,000.
- Other factors increased equity by 93,384,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $68.70 Million | +12.62% |
| Dividends Paid | $24.84 Million | -4.56% |
| Share Repurchases | $2.73 Million | -0.5% |
| Other Comprehensive Income | $-11.51 Million | -2.11% |
| Other Changes | $93.38 Million | +17.15% |
| 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: 1.73x
- 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 12.04x to 1.73x 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 | $36.12 | x |
| 2014-12-31 | $3.46 | $36.12 | x |
| 2015-12-31 | $3.79 | $36.12 | x |
| 2016-12-31 | $4.54 | $36.12 | x |
| 2017-12-31 | $5.60 | $36.12 | x |
| 2018-12-31 | $6.89 | $36.12 | x |
| 2019-12-31 | $8.76 | $36.12 | x |
| 2020-12-31 | $9.49 | $36.12 | x |
| 2021-12-31 | $11.25 | $36.12 | x |
| 2022-12-31 | $13.60 | $36.12 | x |
| 2023-12-31 | $14.95 | $36.12 | x |
| 2024-12-31 | $16.47 | $36.12 | x |
| 2025-12-31 | $20.93 | $36.12 | 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: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MetroCity Bankshares (MCBS) | $567.85 Million | 16.48% | 6.96x | $983.47 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About 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, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loan… Read more