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MetroCity Bankshares, Inc.

MCBS Finance Major Banks
$35.74
▲ +3.6% Today
as of Oct 23, 16:50 ET
Last 30 days +0.87% Sep 14 → Oct 23
$34.08 $34.52 $34.97 $35.42 $35.86 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$35.17
High
$35.78
Low
$35.05
Volume
$111,756
Avg Vol
$81,383
Mkt Cap
$995M
P/E (TTM)
15.97
Beta
—
52w High
$37.46
52w Low
$24.53
Div Yield
—
Shares Out
$29M

Recent Press Releases & News last 60 days · 4 items

▸ Show all 4 press releases & news Free account →

MCBS earnings at a glance

The options market is pricing a move of about ±14.1% after the report, a range of roughly $30.72 to $40.76 from today's $35.74. Over its last 2 reports the stock rose the next day 1 time and fell 1, moving ±1.1% on average; after the most recent report on Oct 17, 2025 it moved +2.2%. That means options currently expect more movement than MCBS has typically delivered. Implied volatility is currently 90%. The share price of $35.74 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$25
$37
87% of range
Avg surprise (last 0)
—
Avg reaction (last 2)
+1.1%
50% positive
Latest IV / EM
90%
EM ±14.1% · $35 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.45$0.53$0.61$0.69$0.77 Actual $0.62Actual $0.51Actual $0.45Actual $0.57Actual $0.66Actual $0.65Actual $0.63Actual $0.65Actual $0.67Actual $0.77Actual $0.76 MarJunSepMarJunSepMarJun/2025Sep/2025MarJun
Revenue vs Net Income Revenue Net income
$0$6M$12M$18M$23M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.76 — — — — financials
Tue Mar 31, 2026Mar 2026 $0.77 — — — — financials
Fri Oct 17, 2025Sep/2025 $0.67 — — — +2.2% earnings
Fri Jul 18, 2025Jun/2025 $0.65 — — — -0.1% earnings
Mon Mar 31, 2025Mar 2025 $0.63 — — — — financials
Mon Sep 30, 2024Sep 2024 $0.65 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.66 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.57 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.45 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.51 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.62 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$22M$22M—$17M$17M$16M—$17M
EPS (diluted)$0.76$0.77—$0.67$0.65$0.63—$0.65

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$267M$388M$384M$227M$286M$285M$250M$291M
Inventory————————
Total current assets————————
Total assets$4.52B$4.69B$4.77B$3.63B$3.62B$3.66B$3.59B$3.57B
Long-term debt————————
Total liabilities$3.95B$4.13B$4.22B$3.18B$3.18B$3.23B$3.17B$3.16B
Total equity$568M$554M$544M$446M$436M$428M$421M$407M

Implied volatility — last 90 days

43%90%138%185%232% Jun 07 — IV 107% · EM ±14.8%Jun 09 — IV 115% · EM ±14.4%Jun 11 — IV 127% · EM ±14.0%Jun 22 — IV 70% · EM ±14.6%Jun 23 — IV 69% · EM ±14.2%Jun 24 — IV 70% · EM ±14.1%Jun 25 — IV 71% · EM ±13.8%Jun 30 — IV 81% · EM ±13.9%Jul 02 — IV 87% · EM ±14.1%Jul 03 — IV 90% · EM ±14.1%Jul 06 — IV 99% · EM ±13.7%Jul 07 — IV 104% · EM ±13.7%Jul 20 — IV 60% · EM ±14.2%Jul 21 — IV 63% · EM ±14.6%Jul 22 — IV 64% · EM ±14.6%Jul 24 — IV 90% · EM ±20.0%Jul 27 — IV 68% · EM ±14.1%Jul 28 — IV 62% · EM ±12.7%Aug 11 — IV 98% · EM ±13.0%Aug 13 — IV 116% · EM ±13.8%Aug 14 — IV 135% · EM ±14.9%Aug 17 — IV 162% · EM ±13.6%Aug 18 — IV 111% · EM ±8.1%Aug 19 — IV 232% · EM ±13.7%Aug 24 — IV 67% · EM ±14.1%Aug 25 — IV 69% · EM ±14.1%Aug 26 — IV 69% · EM ±13.8%Sep 01 — IV 81% · EM ±14.0%Sep 09 — IV 110% · EM ±13.8%Sep 21 — IV 47% · EM ±9.8%Sep 22 — IV 68% · EM ±13.9%Sep 25 — IV 72% · EM ±13.9%Sep 30 — IV 44% · EM ±7.3%Oct 01 — IV 88% · EM ±14.3%Oct 02 — IV 90% · EM ±14.1%

Sector peers

MCBS earnings FAQ

What is MCBS's expected move for earnings?

Options currently price a move of about ±14.1%, or $5.02 per share either way from $35.74.

How does MCBS stock usually react to earnings?

Across the last 2 reports the average next-day move was ±1.1%, up 1 times and down 1 times.

What is MCBS's implied volatility?

MCBS's at-the-money implied volatility is about 90% based on the latest options snapshot.

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