Stock Ratings / Financials / MCBS / dividends

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MetroCity Bankshares Inc. (MCBS) Dividend Safety Gauge & 10-Year DRIP Compounder

$36.03 +0.59% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.00

MetroCity Bankshares Inc. (MCBS) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.04B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.00 (-0.08%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCBS)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY MCBS SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 89% of 52W Range • RSI-14 at 56.7 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$34.20+2.7% Next Q

Q2 (-2Q)

Grade C$35.13+1.7% Next Q

Q3 (-1Q)

Grade C+$35.74+0.8% Next Q

Current

Grade C$36.03+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MCBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, MCBS faces multiple-compression risk if 15.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($35.10) or 200D SMA ($32.74) invalidates the momentum regime and cuts Target Base ($37.16) toward Bear Floor ($28.98).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MCBS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MCBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.2% Total Yield

2.4% Cash ($0.86/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

43.7% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.2% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,112

Est. Year-10 Shareholder Yield: $1,013/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.9K

Yr 2

$13.0K

Yr 3

$14.2K

Yr 4

$15.5K

Yr 5

$17.0K

Yr 6

$18.5K

Yr 7

$20.2K

Yr 8

$22.1K

Yr 9

$24.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in MCBS & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on MCBS and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

MCBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.63%▲ ASCENDING TRIANGLE

2026-10-30O $36.24H $36.24L $35.77C $36.03VOL 62.1K

RES: $36.72SUP: $34.14SMA50: $35.10SMA200: $32.74

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MCBS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MCBS Butterfly Map → + Track MCBS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on MCBS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MCBS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MCBS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MCBS)

Financials Rank #321 of 1096 ⚔️ BFST vs MCBS Full Matrix →

1. Head-to-Head Financials Peer Comparison (MCBS vs. BFST, MBWM, EGBN, CCNE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, MetroCity Bankshares Inc. (MCBS) ranks #321 by composite RQD confidence (65/100, grade C) and #546 by equity capitalization ($1.04B). Within this direct 5-issuer industry benchmark cohort, BFST leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. BFST currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with MCBS at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MCBS ACTIVE MetroCity Bankshares Inc.	C	65/100	15.1x	—	12.6%	+0.59%	$1.04B	Benchmark Subject
BFST Business First Bancshares Inc.	C+	69/100	11.8x	—	9.8%	+0.41%	$1.03B	/bfst-vs-mcbs →
MBWM Mercantile Bank Corporation	D+	58/100	11.8x	—	12.2%	+0.53%	$1.05B	/mbwm-vs-mcbs →
EGBN Eagle Bancorp Inc.	D	45/100	—	—	-12.2%	+1.30%	$1.02B	/egbn-vs-mcbs →
CCNE CNB Financial Corporation	C+	67/100	16.0x	—	7.6%	+0.56%	$1.05B	/ccne-vs-mcbs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001747068

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MetroCity Bankshares Inc. (MCBS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $68.5M, operating cash flow of $37.7M, and free cash flow of $37.0M (-40.5% YoY). On the balance sheet, MCBS closed FY2025 with $4.77B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$68.5M	$37.7M	$37.0M	$4.77B	—
FY2024 (FY)	2024-12-31	$0	$64.5M	$63.5M	$62.2M	$3.59B	—
FY2023 (FY)	2023-12-31	$0	$51.6M	$82.1M	$82.1M	—	—

3. MCBS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MCBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, MetroCity Bankshares Inc. (NASDAQ: MCBS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $36.03 (+0.59% 1D, market cap $1.04B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCBS ranks #321 in composite RQD confidence.

How does MCBS compare to BFST and MBWM in the Financials sector?

Within the Financials sector (Major Banks), MCBS carries a Roarable C (65/100 RQD), trailing P/E of 15.1x, gross margin of —, and ROIC of 12.6%. By comparison, BFST (Business First Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 11.8x, ROIC 9.8%, cap $1.03B) and MBWM (Mercantile Bank Corporation) posts a D+ grade (58/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.05B). Among the 5-stock peer group, BFST leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MCBS?

Per MCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001747068), MetroCity Bankshares Inc. generated $0 in revenue, $68.5M in net income, and $37.0M in free cash flow against $4.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MCBS trading relative to its 50-day, 200-day, and 52-week technical levels?

MCBS last traded at $36.03 (+0.59% on volume of 67,819 shares), positioning the stock +2.65% above its 50-day simple moving average ($35.10) and +10.05% above its 200-day simple moving average ($32.74). Across its 52-week range of $24.53 to $37.46, MCBS sits at the 88.9% percentile with a 14-day RSI of 56.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($34.37 to $37.69).

MCBS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does MCBS pay a dividend and is it safe?

MetroCity Bankshares Inc. (MCBS) offers a 2.4% cash dividend yield ($0.86 annualized) and 4.2% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: MCBS RQD Cockpit MCBS 12M Forecast MCBS Earnings & Move MCBS Dividends & DRIP MCBS Insiders & 13F MCBS Whale Options MCBS Profit Sankey MCBS News & Why