MCBS MetroCity Bankshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$35.23
· of 52w range
· above low
· to high
$24.5352w low
$37.4652w high
Market Cap (MRQ)
$1.01B
P/E
13.3
EPS
$2.64
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52W Range
$25–$37
Analyst Rating
HOLD
Price Target
$38
P/E
13.3
ROE
14.0%
Net Profit Margin
44.0%
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MCBS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$35.23
Market Cap (MRQ)
$1.01B
P/E
13.3
EPS
$2.64
Div Yield
2.4%
ROE
14.0%
52W Range
$25–$37
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.642017-12-31 → 2025-12-31
Free Cash Flow$37M2019-12-31 → 2025-12-31
Net margin44.0%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | MCBS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 13.35Y avg ≈11.0 | ≈11.0 | 11.1 | Overvalued | |
| P/S | 6.55Y avg ≈4.8 | ≈4.8 | 3.8 | Overvalued | |
| P/B (MRQ) | 1.85Y avg ≈1.7 | ≈1.7 | 1.1 | Overvalued | |
| Price / FCF | 27.45Y avg ≈10.8 | ≈10.8 | · | · | |
| Price / Cash Flow | 26.95Y avg ≈10.6 | ≈10.6 | 11.0 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.85Y avg ≈1.8 | ≈1.8 | · | · | |
| PEG Ratio | ≈1.0 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | MCBS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 2.3%5Y avg ≈2.3% | ≈2.3% | 3.2% | Weak | |
| Pretax Margin | 59.6%5Y avg ≈61.3% | ≈61.3% | 41.2% | Top tier | |
| Net Profit Margin | 44.0%5Y avg ≈44.2% | ≈44.2% | 33.0% | Top tier | |
| ROA | 1.6%5Y avg ≈1.9% | ≈1.9% | 0.98% | Top tier | |
| ROE | 14.0%5Y avg ≈16.8% | ≈16.8% | 8.8% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | MCBS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 10.2%5Y avg ≈12.5% | ≈12.5% | · | · | |
| Revenue CAGR 3Y | 4.2%5Y avg ≈4.5% | ≈4.5% | · | · | |
| Revenue CAGR 5Y | 10.8% | · | · | · | |
| EPS YoY | 4.8%5Y avg ≈16.8% | ≈16.8% | · | · | |
| Net Income YoY | 6.2%5Y avg ≈16.9% | ≈16.9% | · | · | |
| EPS CAGR 3Y | 2.7%5Y avg ≈5.7% | ≈5.7% | · | · | |
| EPS CAGR 5Y | 13.4% | · | · | · | |
| Net Income CAGR 3Y | 3.1%5Y avg ≈5.6% | ≈5.6% | · | · | |
| Net Income CAGR 5Y | 13.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | MCBS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.4%
Payout Ratio36.2%
Annualized Payout≈$1.16
5Y Div CAGR≈19.1%
Growth Streak≈5
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 29, 2026 | $0.29 | USD | ≈3.0% |
| Apr 29, 2026 | $0.29 | USD | ≈3.3% |
| Feb 4, 2026 | $0.25 | USD | ≈3.3% |
| Oct 29, 2025 | $0.25 | USD | ≈3.8% |
| Jul 30, 2025 | $0.25 | USD | ≈3.4% |
| Apr 30, 2025 | $0.23 | USD | ≈3.2% |
| Jan 29, 2025 | $0.23 | USD | ≈2.7% |
| Oct 30, 2024 | $0.23 | USD | ≈2.7% |
| Jul 31, 2024 | $0.20 | USD | ≈2.5% |
| Apr 30, 2024 | $0.20 | USD | ≈3.3% |
| Jan 30, 2024 | $0.20 | USD | ≈2.9% |
| Oct 31, 2023 | $0.18 | USD | ≈3.6% |
| Aug 2, 2023 | $0.18 | USD | ≈3.2% |
| May 2, 2023 | $0.18 | USD | ≈4.4% |
| Jan 31, 2023 | $0.18 | USD | ≈3.1% |
| Nov 1, 2022 | $0.15 | USD | ≈2.7% |
| Aug 2, 2022 | $0.15 | USD | ≈2.9% |
| May 3, 2022 | $0.15 | USD | ≈2.7% |
| Feb 1, 2022 | $0.15 | USD | ≈2.0% |
| Nov 2, 2021 | $0.14 | USD | ≈1.9% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.55%
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 17, 2026 | $0.76 | $0.83 | -8.2% |
| March 31, 2026 | $0.77 | $0.73 | 4.8% | |
| Dec. 31, 2025 | $0.68 | $0.68 | -0.50% | |
| Sept. 30, 2025 | $0.67 | $0.68 | -1.7% | |
| June 30, 2025 | $0.65 | $0.64 | 1.2% | |
| March 31, 2025 | $0.63 | $0.62 | 1.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $91M | $28M | $5M | $11M | $22M | $15M | |
| Interest Income | $221M | $213M | $193M | $147M | $109M | $78M | $83M | $73M | |
| Pretax Income | $93M | $87M | $72M | $91M | $83M | $49M | $61M | $56M | |
| Income Tax | $24M | $23M | $20M | $29M | $21M | $12M | $16M | $15M | |
| Net Income | $69M | $65M | $52M | $63M | $62M | $36M | $45M | $41M | |
| EPS (Basic) | $2.66 | $2.55 | $2.05 | $2.46 | $2.41 | $1.42 | $1.82 | $1.71 | |
| EPS (Diluted) | $2.64 | $2.52 | $2.02 | $2.44 | $2.39 | $1.41 | $1.81 | $1.69 | |
| Shares (Basic) | 25,733,733 | 25,283,345 | 25,205,489 | 25,409,654 | 25,572,005 | 25,613,881 | 24,533,180 | 24,184,790 | |
| Shares (Diluted) | 26,005,582 | 25,582,121 | 25,518,516 | 25,688,696 | 25,788,781 | 25,798,549 | 24,729,535 | 24,475,698 | |
| EBITDA | $4M | · | $3M | $4M | $3M | $3M | $3M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $384M | $250M | $145M | $179M | $441M | $151M | $276M | $138M | |
| PP&E (Net) | $30M | $18M | $18M | $14M | $13M | $14M | $14M | $14M | |
| PP&E (Gross) | $48M | $28M | $28M | $23M | $21M | $21M | $20M | $19M | |
| Accum. Depreciation | $18M | $10M | $10M | $9M | $8M | $7M | $6M | $5M | |
| Goodwill | $56M | · | · | · | · | · | · | · | |
| Intangibles | $13M | · | · | · | · | · | · | · | |
| Total Assets | $4.77B | $3.59B | $3.50B | $3.43B | $3.11B | $1.90B | $1.63B | $1.43B | |
| Total Liabilities | $4.22B | $3.17B | $3.12B | $3.08B | $2.82B | $1.65B | $1.42B | $1.26B | |
| Common Stock | $1M | $254.0K | $252.0K | $252.0K | $255.0K | $257.0K | $255.0K | $242.0K | |
| Paid-in Capital | $139M | $49M | $46M | $45M | $52M | $56M | $54M | $40M | |
| Retained Earnings | $403M | $359M | $315M | $286M | $239M | $189M | $163M | $129M | |
| AOCI | $2M | $13M | $20M | $18M | $-168.0K | $195.0K | $-1.0K | $-104.0K | |
| Stockholders' Equity | $544M | $421M | $382M | $349M | $290M | $245M | $217M | $169M | |
| Liabilities + Equity | $4.77B | $3.59B | $3.50B | $3.43B | $3.11B | $1.90B | $1.63B | $1.43B | |
| Shares Outstanding | 28,817,967 | 25,402,782 | 25,205,506 | 25,169,709 | 25,465,236 | 25,674,573 | 25,529,891 | 24,258,062 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $4M | $3M | $3M | $4M | $3M | $3M | $3M | $899.0K | |
| Deferred Tax | $643.0K | $350.0K | $1M | $-3M | $-3M | $-2M | $1M | $355.0K | |
| Amort. of Intangibles | $106.0K | · | · | · | · | · | · | · | |
| Other Non-cash | $-35M | · | $27M | $71M | $4M | $105M | $-16M | · | |
| Operating Cash Flow | $38M | $64M | $82M | $135M | $65M | $143M | $32M | $-161M | |
| CapEx | $674.0K | $1M | $5M | $2M | $384.0K | $537.0K | $1M | $3M | |
| Investing Cash Flow | $127M | $6M | $-110M | $-652M | $-931M | $-478M | $-18M | $109M | |
| Stock Issued | · | · | · | · | · | · | $14M | · | |
| Stock Repurchased | $3M | $10.0K | $2M | $8M | $6M | · | $1M | · | |
| Net Stock Activity | $-3M | · | $-2M | $-8M | $-6M | · | $12M | · | |
| Dividends Paid | $25M | $21M | $18M | $15M | $12M | $10M | $10M | $9M | |
| Financing Cash Flow | $-31M | $36M | $-7M | $255M | $1.16B | $210M | $124M | $94M | |
| Taxes Paid | $22M | $22M | $18M | $34M | $24M | $15M | $12M | $10M | |
| Free Cash Flow | $37M | · | $77M | $132M | $65M | $142M | $31M | · | |
| Levered FCF | · | · | $12M | $113M | $62M | $133M | $15M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 44.0% | · | 43.1% | 45.1% | 44.7% | 39.0% | 44.3% | · | |
| Pretax Margin | 59.6% | · | 60.1% | 65.7% | 59.9% | 52.2% | 60.3% | · | |
| EBITDA Margin | 2.3% | · | 2.2% | 2.8% | 2.0% | 3.1% | 2.7% | · | |
| ROA | 1.6% | · | 1.5% | 1.9% | 2.5% | 2.1% | 2.9% | · | |
| ROE | 14.0% | · | 13.5% | 17.9% | 21.8% | 15.1% | 21.8% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.88 | · | $15.14 | $13.88 | $11.40 | $9.54 | $8.49 | · | |
| Revenue / Share | $5.98 | · | $4.69 | $5.40 | $5.35 | $3.62 | $4.08 | · | |
| Cash Flow / Share | $1.45 | · | $3.22 | $5.24 | $2.54 | $5.53 | $1.30 | · | |
| Cash / Share | $13.31 | · | $5.75 | $7.13 | $17.33 | $5.87 | $10.83 | · | |
| Dividend / Share | $0.96 | $0.83 | $0.72 | $0.60 | $0.46 | $0.40 | $0.42 | $-0.38 | |
| EPS (TTM) | $2.64 | $2.52 | $2.02 | $2.44 | $2.39 | $1.41 | $1.81 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 10.2% | 18.0% | -13.1% | -0.09% | 47.7% | · | · | · | |
| Revenue CAGR 3Y | 4.2% | 0.80% | 8.6% | · | · | · | · | · | |
| Revenue CAGR 5Y | 10.8% | · | · | · | · | · | · | · | |
| EPS YoY | 4.8% | 24.8% | -17.2% | 2.1% | 69.5% | · | · | · | |
| EPS CAGR 3Y | 2.7% | 1.8% | 12.7% | · | · | · | · | · | |
| EPS CAGR 5Y | 13.4% | · | · | · | · | · | · | · | |
| Net Income YoY | 6.2% | 25.0% | -17.5% | 1.5% | 69.5% | · | · | · | |
| Net Income CAGR 3Y | 3.1% | 1.5% | 12.3% | · | · | · | · | · | |
| Net Income CAGR 5Y | 13.5% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 19.3% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $156M | $141M | $120M | $138M | $138M | $93M | $101M | · | |
| Net Income TTM | $69M | $65M | $52M | $63M | $62M | $36M | $45M | · | |
| Market Cap | $765M | · | $605M | $544M | $701M | $370M | $447M | · | |
| P/E | 10.1 | 12.7 | 11.9 | 8.9 | 11.5 | 10.2 | 9.7 | · | |
| P/S | 4.9 | · | 5.1 | 4.0 | 5.1 | 4.0 | 4.4 | · | |
| P/B | 1.4 | · | 1.6 | 1.6 | 2.4 | 1.5 | 2.1 | · | |
| P / Tangible Book | 1.6 | 1.9 | 1.6 | 1.6 | 2.4 | 1.5 | · | · | |
| P / Cash Flow | 20.3 | · | 7.4 | 4.0 | 10.7 | 2.6 | 13.9 | · | |
| P / FCF | 20.7 | · | 7.8 | 4.1 | 10.8 | 2.6 | 14.4 | · | |
| Dividend Yield | 3.2% | · | 3.0% | 2.8% | 1.7% | 2.8% | 2.3% | · | |
| Earnings Yield | 10.0% | 7.9% | 8.4% | 11.3% | 8.7% | 9.8% | 10.3% | · | |
| Payout Ratio | 36.2% | · | 35.3% | 24.4% | 19.1% | 28.3% | 23.2% | · | |
| Annual Payout | $25M | $21M | $18M | $15M | $12M | $10M | $10M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $23M | $25M | · | $25M | $23M | $20M | · | $9M | |
| Interest Income | $70M | $71M | $60M | $54M | $54M | $53M | $53M | $54M | $54M | $52M | $51M | $49M | $47M | $46M | $44M | $38M | |
| Pretax Income | $31M | $30M | $23M | $24M | $24M | $22M | $21M | $23M | $23M | $20M | $16M | $16M | $19M | $22M | $20M | $24M | |
| Income Tax | $8M | $8M | $5M | $7M | $7M | $6M | $5M | $6M | $6M | $6M | $5M | $4M | $6M | $6M | $9M | $7M | |
| Net Income | $22M | $22M | $18M | $17M | $17M | $16M | $16M | $17M | $17M | $15M | $11M | $11M | $13M | $16M | $10M | $17M | |
| EPS (Basic) | $0.77 | $0.78 | $0.68 | $0.68 | $0.66 | $0.64 | $0.64 | $0.66 | $0.67 | $0.58 | $0.45 | $0.45 | $0.52 | $0.63 | $0.41 | $0.66 | |
| EPS (Diluted) | $0.76 | $0.77 | $0.69 | $0.67 | $0.65 | $0.63 | $0.64 | $0.65 | $0.66 | $0.57 | $0.44 | $0.45 | $0.51 | $0.62 | $0.39 | $0.66 | |
| Shares (Basic) | 28,698,662 | 28,779,534 | · | 25,537,746 | 25,445,024 | 25,402,782 | · | 25,331,916 | 25,245,842 | 25,205,506 | · | 25,274,665 | 25,188,567 | 25,144,683 | · | 25,433,307 | |
| Shares (Diluted) | 28,949,200 | 29,051,061 | · | 25,811,422 | 25,715,206 | 25,707,989 | · | 25,674,858 | 25,568,533 | 25,548,089 | · | 25,591,874 | 25,477,143 | 25,405,855 | · | 25,702,023 | |
| EBITDA | · | $686.0K | · | · | · | $832.0K | · | · | · | $752.0K | · | · | · | $705.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $267M | $388M | $384M | $227M | $286M | $285M | $250M | $291M | $328M | $259M | · | $282M | $263M | $224M | · | $180M | |
| PP&E (Net) | $30M | $30M | $30M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | · | $17M | $16M | $15M | · | $14M | |
| PP&E (Gross) | · | · | $48M | · | · | · | $28M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $18M | · | · | · | $10M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $56M | $56M | $56M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Intangibles | $12M | $12M | $13M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.52B | $4.69B | $4.77B | $3.63B | $3.62B | $3.66B | $3.59B | $3.57B | $3.62B | $3.65B | · | $3.51B | $3.48B | $3.42B | · | $3.35B | |
| Total Liabilities | $3.95B | $4.13B | $4.22B | $3.18B | $3.18B | $3.23B | $3.17B | $3.16B | $3.21B | $3.25B | · | $3.13B | $3.10B | $3.07B | · | $3.00B | |
| Common Stock | $288.0K | $286.0K | $1M | $255.0K | $255.0K | $254.0K | $254.0K | $253.0K | $253.0K | $252.0K | · | $252.0K | $253.0K | $251.0K | · | $254.0K | |
| Paid-in Capital | $136M | $136M | $139M | $51M | $50M | $50M | $49M | $47M | $47M | $46M | · | $46M | $46M | $45M | · | $49M | |
| Retained Earnings | $432M | $418M | $403M | $391M | $380M | $369M | $359M | $348M | $337M | $325M | · | $309M | $302M | $293M | · | $279M | |
| AOCI | $-75.0K | $589.0K | $2M | $4M | $6M | $9M | $13M | $11M | $24M | $25M | · | $30M | $26M | $15M | · | $20M | |
| Stockholders' Equity | $568M | $554M | $544M | $446M | $436M | $428M | $421M | $407M | $407M | $397M | $382M | $385M | $373M | $353M | $349M | $349M | |
| Liabilities + Equity | $4.52B | $4.69B | $4.77B | $3.63B | $3.62B | $3.66B | $3.59B | $3.57B | $3.62B | $3.65B | · | $3.51B | $3.48B | $3.42B | · | $3.35B | |
| Shares Outstanding | 28,781,229 | 28,660,042 | 28,817,967 | 25,537,746 | 25,537,746 | 25,402,782 | 25,402,782 | 25,331,916 | 25,331,916 | 25,205,506 | · | 25,241,157 | 25,279,846 | 25,143,675 | · | 25,370,417 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $-1M | $686.0K | $859.0K | $970.0K | $850.0K | $832.0K | $760.0K | $726.0K | $722.0K | $752.0K | $727.0K | $711.0K | $544.0K | $705.0K | $1M | $1M | |
| Other Non-cash | · | $23M | · | · | · | $-5M | · | · | · | $21M | · | · | · | $9M | · | · | |
| Operating Cash Flow | $25M | $46M | $-5M | $16M | $14M | $12M | $19M | $-11M | $19M | $36M | $-8M | $18M | $47M | $26M | $-9M | $-2M | |
| CapEx | · | · | $225.0K | $261.0K | $118.0K | $70.0K | $409.0K | $280.0K | $354.0K | $243.0K | $943.0K | $1M | $1M | $1M | $925.0K | $1M | |
| Investing Cash Flow | $50M | $74M | $179M | $-72M | $40M | $-20M | $-69M | $3M | $98M | $-25M | $-136M | $-13M | $-8M | $47M | $-79M | $-210M | |
| Stock Repurchased | $0 | $4M | $3M | $0 | · | · | $0 | $0 | · | · | $706.0K | $761.0K | $0 | $553.0K | $4M | $2M | |
| Net Stock Activity | · | $-4M | · | · | · | · | · | · | · | · | · | · | · | $-553.0K | · | · | |
| Dividends Paid | $8M | $7M | $6M | $7M | $6M | $6M | $6M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M | $4M | |
| Financing Cash Flow | $-196M | $-116M | $-17M | $-3M | $-53M | $43M | $9M | $-28M | $-48M | $103M | $7M | $14M | $-138.0K | $-28M | $88M | $168M | |
| Taxes Paid | $3M | $557.0K | $3M | $6M | $11M | $1M | $5M | $7M | $9M | $225.0K | $4M | $6M | $7M | $686.0K | $11M | $9M | |
| Free Cash Flow | · | · | · | · | · | $12M | · | · | · | $36M | · | · | · | $24M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $18M | · | · | · | $10M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 44.4% | 43.9% | · | 45.5% | 44.4% | 45.3% | · | 45.3% | 46.7% | 44.8% | · | 42.2% | 44.1% | 48.8% | · | 48.4% | |
| Pretax Margin | 61.5% | 59.4% | · | 62.8% | 62.4% | 61.3% | · | 61.4% | 64.4% | 62.6% | · | 57.9% | 62.6% | 66.9% | · | 68.5% | |
| EBITDA Margin | · | 1.4% | · | · | · | 2.3% | · | · | · | 2.3% | · | · | · | 2.2% | · | · | |
| ROA | 0.54% | 0.53% | · | 0.48% | 0.47% | 0.45% | · | 0.47% | 0.48% | 0.41% | · | 0.33% | 0.39% | 0.48% | · | 0.55% | |
| ROE | 4.4% | 4.5% | · | 4.0% | 4.0% | 4.0% | · | 4.2% | 4.3% | 3.9% | · | 3.1% | 3.8% | 4.7% | · | 5.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.73 | $19.34 | · | $17.46 | $17.08 | $16.85 | · | $16.07 | $16.08 | $15.73 | · | $15.24 | $14.76 | $14.04 | · | $13.76 | |
| Revenue / Share | $1.72 | $1.75 | · | $1.47 | $1.47 | $1.40 | · | $1.44 | $1.42 | $1.28 | · | $1.06 | $1.17 | $1.27 | · | $1.36 | |
| Cash Flow / Share | · | $1.58 | · | · | · | $0.46 | · | · | · | $1.42 | · | · | · | $1.00 | · | · | |
| Cash / Share | $9.27 | $13.52 | · | $8.89 | $11.20 | $11.22 | · | $11.50 | $12.94 | $10.27 | · | $11.17 | $10.39 | $8.91 | · | $7.08 | |
| Dividend / Share | $0.29 | $0.25 | $0.25 | $0.25 | $0.23 | $0.23 | $0.23 | $0.20 | $0.20 | $0.20 | $0.18 | $0.18 | $0.18 | $0.18 | $0.15 | $0.15 | |
| EPS (TTM) | $2.89 | $2.78 | · | $2.59 | $2.57 | $2.58 | · | $2.32 | $2.12 | $1.97 | · | $1.97 | $2.18 | $2.30 | · | $2.72 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $182M | $170M | · | $147M | $146M | $145M | · | $137M | $127M | $120M | · | $119M | $127M | $132M | · | $145M | |
| Net Income TTM | $80M | $75M | · | $67M | $66M | $66M | · | $60M | $54M | $51M | · | $50M | $56M | $59M | · | $70M | |
| Market Cap | $1.03B | $822M | · | $707M | $730M | $700M | · | $776M | $669M | $629M | · | $497M | $452M | $430M | · | $498M | |
| P/E | 12.4 | 10.3 | · | 10.7 | 11.1 | 10.7 | · | 13.2 | 12.5 | 12.7 | · | 10.0 | 8.2 | 7.4 | · | 7.2 | |
| P/S | 5.7 | 4.8 | · | 4.8 | 5.0 | 4.8 | · | 5.7 | 5.3 | 5.2 | · | 4.2 | 3.6 | 3.3 | · | 3.4 | |
| P/B | 1.8 | 1.5 | · | 1.6 | 1.7 | 1.6 | · | 1.9 | 1.6 | 1.6 | · | 1.3 | 1.2 | 1.2 | · | 1.4 | |
| P / Tangible Book | 2.1 | 1.7 | · | 1.6 | 1.7 | 1.6 | · | 1.9 | 1.6 | 1.6 | · | 1.3 | 1.2 | 1.2 | · | 1.4 | |
| P / Cash Flow | · | 17.9 | · | · | · | 58.8 | · | · | · | 17.3 | · | · | · | 16.8 | · | · | |
| Dividend Yield | 2.8% | 3.2% | · | 3.5% | 3.1% | 3.1% | · | 2.5% | 2.9% | 3.0% | · | 3.5% | 3.7% | 3.7% | · | 3.0% | |
| Earnings Yield | 8.1% | 9.7% | · | 9.3% | 9.0% | 9.4% | · | 7.6% | 8.0% | 7.9% | · | 10.0% | 12.2% | 13.5% | · | 13.9% | |
| Payout Ratio | · | 32.3% | · | · | · | 35.9% | · | · | · | 34.4% | · | · | · | 28.8% | · | · | |
| Annual Payout | $29M | $26M | · | $24M | $23M | $22M | · | $20M | $19M | $19M | · | $17M | $17M | $16M | · | $15M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $69M | $65M | $52M | $63M | $62M |
| Diluted EPS | $2.64 | $2.52 | $2.02 | $2.44 | $2.39 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $37M | · | $77M | $132M | $65M |
Institutional owners (13F) 121 filers · $304.3M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
121
Value held
$304.3M
New positions
19
Exited positions
10
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 19 (-3 vs prior Q) | 10 (+3 vs prior Q) | 55 (+11 vs prior Q) | 13 (-11 vs prior Q) | +748K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $65,053,006 | 1,812,566 | 21.38% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $34,297,597 | 955,631 | 11.27% | Shares |
| VANGUARD GROUP INC | $28,821,829 | 1,085,977 | 9.47% | Shares |
| AMERICAN CENTURY COMPANIES INC | $26,454,595 | 737,102 | 8.69% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $21,367,042 | 595,243 | 7.02% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $19,820,608 | 552,274 | 6.51% | Shares |
| STATE STREET CORP | $18,300,670 | 509,910 | 6.01% | Shares |
| NORTHERN TRUST CORP | $8,159,950 | 227,360 | 2.68% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7,866,191 | 219,175 | 2.58% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,581,939 | 183,392 | 2.16% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,744,195 | 160,050 | 1.89% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,323,564 | 148,330 | 1.75% | Shares |
| Bank of New York Mellon Corp | $4,562,721 | 127,131 | 1.50% | Shares |
| MORGAN STANLEY | $4,311,241 | 120,123 | 1.42% | Shares |
| HoldCo Asset Management, LP | $3,612,579 | 100,657 | 1.19% | Shares |
| De Lisle Partners LLP | $3,014,945 | 83,935 | 0.99% | Shares |
| Creative Planning | $2,939,821 | 81,912 | 0.97% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,359,732 | 65,749 | 0.78% | Shares |
| Nuveen, LLC | $2,306,686 | 64,271 | 0.76% | Shares |
| OSAIC HOLDINGS, INC. | $2,074,841 | 57,811 | 0.68% | Shares |
| Cape Investment Advisory, Inc. | $2,018,970 | 56,254 | 0.66% | Shares |
| GOLDMAN SACHS GROUP INC | $1,915,162 | 53,362 | 0.63% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,626,127 | 45,309 | 0.53% | Shares |
| Swiss National Bank | $1,602,919 | 44,662 | 0.53% | Shares |
| Quantinno Capital Management LP | $1,073,147 | 29,901 | 0.35% | Shares |
| RHUMBLINE ADVISERS | $981,402 | 27,345 | 0.32% | Shares |
| ALLIANCEBERNSTEIN L.P. | $916,580 | 31,970 | 0.30% | Shares |
| CAHABA WEALTH MANAGEMENT, INC. | $897,250 | 25,000 | 0.29% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $887,775 | 24,736 | 0.29% | Shares |
| Invesco Ltd. | $835,124 | 23,269 | 0.27% | Shares |
| DEUTSCHE BANK AG\ | $829,813 | 23,121 | 0.27% | Shares |
| BANK OF AMERICA CORP /DE/ | $784,160 | 21,849 | 0.26% | Shares |
| Empirical Financial Services, LLC d.b.a. Empirical Wealth Management | $781,793 | 21,783 | 0.26% | Shares |
| MILLENNIUM MANAGEMENT LLC | $768,369 | 21,409 | 0.25% | Shares |
| WELLS FARGO & COMPANY/MN | $745,456 | 20,771 | 0.24% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $744,251 | 20,737 | 0.24% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $738,826 | 25,770 | 0.24% | Shares |
| UBS Group AG | $718,015 | 20,006 | 0.24% | Shares |
| Legal & General Group Plc | $708,080 | 19,834 | 0.23% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $651,332 | 18,148 | 0.21% | Shares |
| TWO SIGMA INVESTMENTS, LP | $617,487 | 17,205 | 0.20% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $592,006 | 16,495 | 0.19% | Shares |
| XTX Topco Ltd | $559,992 | 15,603 | 0.18% | Shares |
| Mariner, LLC | $529,187 | 14,745 | 0.17% | Shares |
| MetLife Investment Management, LLC | $490,760 | 13,674 | 0.16% | Shares |
| CITIGROUP INC | $488,320 | 13,606 | 0.16% | Shares |
| Sequoia Financial Advisors, LLC | $479,814 | 13,369 | 0.16% | Shares |
| Sherrill & Hutchins Financial Advisory, Inc | $467,431 | 13,024 | 0.15% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $448,804 | 12,505 | 0.15% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $436,710 | 12,168 | 0.14% | Shares |
Company insiders 16 insiders · 5 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Nack Y Paek | Chief Executive Officer | June 2, 2025 A | 1,345,438 | 0 | 0 | $0 |
| Lucas Stewart | Chief Financial Officer | June 2, 2025 A | 2,989 | 0 | 0 | $0 |
| Farid Tan | President | June 2, 2025 A | 974,126 | 0 | 0 | $0 |
| Abdul Mohdnor | Executive Vice President | June 2, 2025 A | 5,563 | 0 | 0 | $0 |
| Howard Hwasaeng Kim | Executive Vice President | June 2, 2025 A | 647,301 | 0 | 0 | $0 |
| John Paek | Director | June 2, 2025 A | 35,086 | 0 | 0 | $0 |
| Frank Glover | Director | June 2, 2025 A | 3,090 | 0 | 0 | $0 |
| William J. Hungeling | Director | June 2, 2025 A | 157,428 | 0 | 0 | $0 |
| Ajit A. Patel | Director | June 2, 2025 A | 646,598 | 0 | 0 | $0 |
| Francis Lai | Director | June 2, 2025 A | 54,998 | 0 | 0 | $0 |
| Frank S. Rhee | Director | June 2, 2025 A | 18,998 | 0 | 0 | $0 |
| Don Leung | Director | June 2, 2025 A | 816,595 | 0 | 0 | $0 |
| Feiying Lu | Director | June 2, 2025 A | 168,998 | 0 | 0 | $0 |
| Sam Sang-Koo Shim | Director | Nov. 13, 2024 G | 528,961 | 0 | 0 | $0 |
| Young K. Park | Director | June 1, 2023 A | 823,695 | 0 | 0 | $0 |
| William M. Hungeling | Director | Oct. 7, 2019 S | 502,448 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.20% | 80,026 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.12% | 395 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.04% | 2,820 SH | Oct. 1, 2026 | Daily |
| IWO · iShares Trust | 0.04% | 145,077 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.03% | 134,571 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.03% | 16,429 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.03% | 602,686 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.03% | 11,192 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 86,945 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,057 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 54,578 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 246,207 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 7,507 SH | Oct. 1, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 5,854 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 1,376 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 637 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,709 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,337 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,503 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 7,781 SH | Sept. 3, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 13,254 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 5,168 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 688,474 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,993 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 87,020 SH | Sept. 11, 2026 | Daily |
MCBS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 6 analysts
SELL
Median target
$38.00
+7.9%
0 0.0%
Strong Buy
0 0.0%
Buy
3 50.0%
Hold
1 16.7%
Sell
2 33.3%
Strong Sell
12-Month Price Target
1 analysts · 2026-09-29Mean target $38.00 +7.9%
Low$38.00
Mean$38.00
High$38.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026