MCBSMetroCity Bankshares, Inc.
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.0B
- Employees
- 317
- Net debt / EBITDA
- —
- AI in 10-K
- 2.4
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 1 of 7
- TSR below peersNo2 of 4 years3+ of last 5 years
- High CEO pay despite TSRNo$2M medianMedian CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes55% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo73% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo100% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo2.4 per 10K words · 61st pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.0B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$0 netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $62M | $63M | $52M | $65M | $69M | 6.2% |
| Operating cash flow | $65M | $135M | $82M | $64M | $38M | 41% |
| Capex | $384K | $2M | $5M | $1M | $674K | 48% |
| Stock-based comp | $1M | $2M | $2M | $3M | $3M | 11% |
| Buybacks | $6M | $8M | $2M | $10K | $3M | 27170% |
| Dividends | $12M | $15M | $18M | $21M | $25M | 18% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 110 | 115 |
| FY2024 | $2M | $3M | 137 | 118 |
| FY2023 | $2M | $3M | 115 | 111 |
| FY2022 | $2M | $2M | 81 | 88 |