MetroCity Bankshares, Inc. cash flow to debt ratio of 25.34% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

MetroCity Bankshares, Inc.'s free cash flow has increased 120.23% from $62.22M last year to $137.01M, signaling increasing performance

MetroCity Bankshares, Inc.'s debt to equity ratio is 0.71, which means that the company's assets are unhealthy financed, signaling financial risk.

MetroCity Bankshares, Inc.'s debt has decreased relative to shareholder equity from 0.91 last year to 0.71 today, signaling strengthened financials

MetroCity Bankshares, Inc. has a net debt to EBITDA ratio of 1.32x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

MetroCity Bankshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

MetroCity Bankshares, Inc.'s profit margin has increased (10.82%) in the last year from 27.52% to 30.49%, signaling increasing performance

MetroCity Bankshares, Inc.'s short-term assets of $438.31M exceed its short-term liabilities of $15.31M

MetroCity Bankshares, Inc.'s return on assets of 1.77% is lower than the 5.00% threshold, indicating inefficient asset utilization

MetroCity Bankshares, Inc.'s return on equity of 15.15%, is higher than 15.00%, indicating good performance

MetroCity Bankshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

MetroCity Bankshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

MetroCity Bankshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

MetroCity Bankshares, Inc. has a free cash flow yield of 13.50%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

MetroCity Bankshares, Inc.'s yearly earnings has increased 6.51% since last year from $64.50M to $68.70M, signaling increasing performance

MetroCity Bankshares, Inc.'s yearly revenue has decreased 100.00% since last year from $234.43M to $0.00, signaling decreasing performance

ROIC 17.23% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

MetroCity Bankshares, Inc.'s 3-year revenue CAGR of 13.46% is positive, indicating growing revenue over the past 3 years

MetroCity Bankshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

MetroCity Bankshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

MetroCity Bankshares, Inc. is undervalued relative to its fair value price of 48.09 based on Discounted Cash Flow model

MetroCity Bankshares, Inc. has an earnings yield of 7.87%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

MetroCity Bankshares, Inc. is overvalued relative to its fair value price of 16.69 based on EBITDA multiple model

MetroCity Bankshares, Inc. has an EV/EBITDA ratio of 12.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

MetroCity Bankshares, Inc. is undervalued relative to its fair value price of 64.68 based on Earnings Fair Value model

MetroCity Bankshares, Inc. has a PEG-ratio under 1 which is considered undervalued

MetroCity Bankshares, Inc. has a price-to-book ratio of 1.79x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

MetroCity Bankshares, Inc. has a price-to-sales ratio of 3.88x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue