Financial Performance: MetroCity Bankshares reported a net income of $17.3 million for Q3 2025, a slight increase from $16.8 million in Q2 2025 and $16.7 million in Q3 2024, with a year-to-date net income of $50.4 million, up 4.4% from the previous year.
Key Metrics: The annualized return on average assets was 1.89%, and the return on average equity was 15.69%. The efficiency ratio increased to 38.7%, while the net interest margin decreased to 3.68% compared to the previous quarter.
Loan and Deposit Trends: Total loans increased by $71.6 million to $3.20 billion from Q2 2025, while total deposits remained stable at $2.69 billion, reflecting a slight increase from the previous quarter.
Merger Update: MetroCity received regulatory approvals for its merger with First IC Corporation, expected to be completed in Q4 2025, which aims to enhance its market presence and operational capacity.
Wall Street analysts forecast MCBS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for MCBS is 31.00 USD with a low forecast of 31.00 USD and a high forecast of 31.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
Wall Street analysts forecast MCBS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for MCBS is 31.00 USD with a low forecast of 31.00 USD and a high forecast of 31.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
1 Hold
0 Sell
Hold
Current: 27.310
Low
31.00
Averages
31.00
High
31.00
Current: 27.310
Low
31.00
Averages
31.00
High
31.00
Keefe Bruyette
Kelly Motta
Market Perform
downgrade
$33 -> $31
2025-10-21
Reason
Keefe Bruyette
Kelly Motta
Price Target
$33 -> $31
AI Analysis
2025-10-21
downgrade
Market Perform
Reason
Keefe Bruyette analyst Kelly Motta lowered the firm's price target on MetroCity Bankshares to $31 from $33 and keeps a Market Perform rating on the shares. MetroCity Bankshares continues to generate leading profitability with an ROA of 1.9% and a ROTCE of 16% in 3Q25, the analyst tells investors in a research note.
Keefe, Bruyette & Woods
Kelly Motta
Hold
Maintains
$36 → $34
2025-04-22
Reason
Keefe, Bruyette & Woods
Kelly Motta
Price Target
$36 → $34
2025-04-22
Maintains
Hold
Reason
Keefe Bruyette lowered the firm's price target on MetroCity Bankshares to $34 from $36 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for MCBS
Unlock Now
About MCBS
MetroCity Bankshares, Inc. is a bank holding company. It operates through its banking subsidiary, Metro City Bank (the Bank), which is a Georgia state-chartered commercial bank. It offers a suite of loan and deposit products. The Bank operates over 30 full-service branches and two loan production offices across Alabama, California, Florida, Georgia, New Jersey, New York, Texas, and Virginia. It offers customary banking services, such as consumer and commercial checking accounts, savings accounts, certificates of deposit, commercial and consumer loans, including single-family residential loans, money transfers and a variety of other banking services. It offers traditional depository products, including checking, savings, money market and certificates of deposits. It also offers a full suite of online banking solutions, including access to account balances, online transfers, online bill payment and electronic delivery of customer statements, and mobile banking solutions.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
