MCBS PEER ANALYSIS

MetroCity Bankshares — metric-by-metric comparison with peers and the industry median

MCBSMetroCity Bankshares

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

MCBSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	MCBS	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
P/E	13.97	21.63	13.24	116.70	9.10	2.96●	12.88
P/B	1.88	3.42	1.39	0.68●	1.40	0.71	1.28
EV/EBITDA	11.22	2.96	14.73	306.43	-8.48●	2.20	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	MCBS	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Current Ratio	134.88●	—	0.12	0.01	0.25	—	0.31
Debt/Equity	79.3%	0.0%●	209.8%	744.5%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	0.40	-13.41	5.39	280.57	-14.68●	-0.47	-0.58

Profitability
Metric	MCBS	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Net Margin	29.7%	14.2%	25.9%	1.4%	20.1%	54.9%●	20.6%
ROE	15.2%	17.5%	10.6%	1.0%	14.9%	27.4%●	10.9%
ROA	1.8%	1.2%	0.5%	0.1%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	MCBS	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	12.9%	8.1%	16.2%●	-80.9%	16.0%	-1.3%	19.4%
Div. Yield	2.7%	—	3.2%	4.7%	4.8%●	—	2.5%
Payout	35.1%	—	—	335.1%	—	—	31.4%

Valuation
Metric	MCBS	ESQ	MCB	BHRB	SBSI	HBT	Ind. Median
P/E	13.97	20.29	12.12	8.99●	14.53	15.47	12.88
P/B	1.88	3.48	1.10●	1.22	1.21	1.43	1.28
EV/EBITDA	11.22	—	9.53	9.54	13.86	1.61●	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	MCBS	ESQ	MCB	BHRB	SBSI	HBT	Ind. Median
Current Ratio	134.88	0.23	—	0.20	0.16	217.73●	0.31
Debt/Equity	79.3%	—	3.9%●	71.0%	104.5%	20.6%	38.0%
NetDebt/EBITDA	0.40	—	0.22	3.25	6.14	-9.13●	-0.58

Profitability
Metric	MCBS	ESQ	MCB	BHRB	SBSI	HBT	Ind. Median
Net Margin	29.7%	30.0%●	15.9%	24.2%	15.8%	22.7%	20.6%
ROE	15.2%	18.7%●	10.2%	14.5%	8.5%	10.5%	10.9%
ROA	1.8%	2.4%●	1.0%	1.5%	0.8%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	MCBS	ESQ	MCB	BHRB	SBSI	HBT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	12.9%	14.8%	28.9%	103.6%●	-19.8%	-8.6%	19.4%
Div. Yield	2.7%	0.6%	0.5%	3.0%	4.0%●	2.6%	2.5%
Payout	35.1%	11.8%	6.0%	28.9%	60.8%	39.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.