MetroCity Bankshares, Inc.
MCBSFinancial Services · Stock · quarterly payer
Forward Yield
3.02%
Annual Dividend
$1.08
Payout Ratio
36%
5-Yr Growth
19.1%
Ex-Date
Jul 29, 2026
Frequency
Quarterly
Summary
As of September 2026, MetroCity Bankshares, Inc. (MCBS) yields 3.02% ($1.08 per share annually), with a blended fair-value estimate of $60.78 — +70% upside, so it screens as undervalued. Dividend safety grade: B (79/100). 5 years of dividend growth.
Is MCBS a good dividend stock?
YesMetroCity Bankshares, Inc. (MCBS) pays a quarterly dividend yielding 3.02% ($1.08/yr), with 5 years of growth and a dividend-safety grade of B. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (36%)
- Strong 19.1% 5-yr dividend growth
- 71% total price return over 5 years
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 3.02%
- Payout Ratio
- 36%
- Annual Dividend
- $1.08
- 5-Yr Avg Growth
- 19.1%
- Ex-Dividend Date
- Jul 29, 2026
- Years of Growth
- 5
- Frequency
- quarterly
- Beta
- 0.68
- Market Cap
- $1.0B
- P/E Ratio
- 12.3
- 5-Yr Total Return
- 71%
- 52-Week Range
- $24.53 – $37.46
- Dividend Safety
- B · 79/100
- Ever Cut?
- No
Frequently Asked Questions
MCBS Price — Last 12 Months
Daily close
Price Return
1 Year
+29%
3 Years
+82%
5 Years
+71%
52-Week Range
$24.53 – $37.46
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is MCBS worth?
Undervaluedmedium confidenceOur blended fair-value estimate for MetroCity Bankshares, Inc. is $60.78 per share, versus a market price of $35.79. That implies 70% of upside — a margin of safety of about 41%.
Fair Value
$60.78
Current Price
$35.79
Upside
+70%
Margin of Safety
41%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 8.8% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.7% discount rate (CAPM), 8.8% stage-1 growth, 2.5% terminal growth, $2.88 EPS, $1.08 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
MCBS Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 29, 2026 | — | $0.2900 | regular |
| Apr 29, 2026 | — | $0.2900 | regular |
| Feb 4, 2026 | — | $0.2500 | regular |
| Oct 29, 2025 | — | $0.2500 | regular |
| Jul 30, 2025 | — | $0.2500 | regular |
| Apr 30, 2025 | — | $0.2300 | regular |
| Jan 29, 2025 | — | $0.2300 | regular |
| Oct 30, 2024 | — | $0.2300 | regular |
| Jul 31, 2024 | — | $0.2000 | regular |
| Apr 30, 2024 | — | $0.2000 | regular |
| Jan 30, 2024 | — | $0.2000 | regular |
| Oct 31, 2023 | — | $0.1800 | regular |
| Aug 2, 2023 | — | $0.1800 | regular |
| May 2, 2023 | — | $0.1800 | regular |
Income Calculator
At $1.08 / yr per share
