CATALYSTSeekingAlpha • 2d ago
Dividend Champion, Contender, And Challenger Highlights: Week November 1Get a weekly dividend summary for Champions, Contenders, and Challengers.
Why MCBS Stock advanced +0.59% Today — RQD Quant Desk Flash
$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.
ROARABLE C • HOLD / WATCH
Cap $1.04B
INTERACTIVE SCENARIO DECK:
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
57
Q2 (-2Q)Grade C$35.13+1.7% Next Q
60
Q3 (-1Q)Grade C+$35.74+0.8% Next Q
62
CurrentGrade C$36.03+1.3% Hist 90D α
65
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why MCBS Stock advanced +0.59% Today — RQD Quant Desk Flash
MetroCity Bankshares Inc. (MCBS) advanced +0.59% to $36.03, trading at 89% of its 52-week range ($24.53 – $37.46). Solid steady margins (13% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 89% of its 52-week range ($24.53 – $37.46) with RSI-14 at 56.7 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.6% around $36.03 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $37.0M annual free cash flow.
Live MCBS Headlines & Catalysts
CATALYSTYahoo • 2d ago
Earnings Beat Altering The Investment Case For MetroCity Bankshares Stock?MetroCity Bankshares reported third quarter 2026 net interest income of US$43.56 million and net income of US$24.3 million, with nine month figures of US$132.09 million and US$68.74 million respectively, all above the pr
CATALYSTSeekingAlpha • 4d ago
Dividend Announcements: October 17-23, 2026 (Part 2 Of 2)I track dividend announcements across 1,200+ stocks. This week, 42 companies increased their dividend, including two stocks I own.
CATALYSTYahoo • 7d ago
Middlesex Water, MetroCity Bankshares and Kontoor Brands Raised Their Dividends. Which Raise Is Built to Last?A water utility, a community bank, and a denim maker all raised their dividends this week, but each payout runs on a completely different engine, and only one has the track record to prove it can survive whatever comes n
CATALYSTSeekingAlpha • 9d ago
Dividend Champion, Contender, And Challenger Highlights: Week October 25Get a weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers, including dividend changes and key ex-dividend dates.
MARKET WIREYahoo • 9d ago
MetroCity: Q3 Earnings Snapshot(AP) — MetroCity Bankshares, Inc. (MCBS) on Friday reported net income of $24.
MARKET WIREYahoo • 9d ago
MetroCity Bankshares (MCBS) Stock May Be 35% Undervalued On Equity ReturnsMetroCity Bankshares has quietly delivered a powerful run, with the share price rising 94.5% over the past 3 years and putting fresh attention on what investors are really paying for. The question now is whether the retu
CATALYSTYahoo • 10d ago
MetroCity Bankshares, Inc. Declares Quarterly Cash DividendMetroCity Bankshares, Inc. (the "Company") (NASDAQ: MCBS) announced yesterday that its board of directors declared a quarterly cash dividend of $0.31 per share on its common stock. The cash dividend is payable on Novembe
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (MCBS Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0001747068In 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 ENABLEDIs 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 × FREDWhy is MCBS stock moving today?
Why MCBS Stock advanced +0.59% Today — RQD Quant Desk Flash. Solid steady margins (13% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.