Metrocity Bankshares Q4 profit up 6% sequentially on higher interest income

Overview

• Georgia bank's Q4 net income rose 6% sequentially, driven by higher net interest income

• Company's net interest margin increased to 3.73% in Q4 2025

• Company completed acquisition of First IC, boosting loans and deposits

Outlook

• Company did not provide specific guidance for future quarters or full year

Result Drivers

• ACQUISITION IMPACT - Acquisition of First IC boosted loans and deposits, contributing to revenue growth

• HIGHER NET INTEREST INCOME - Increase in net interest income driven by higher loan balances and lower liability costs

• NONINTEREST INCOME GROWTH - Noninterest income rose due to higher gains on sale of residential mortgage loans

Key Details

Analyst Coverage

• The one available analyst rating on the shares is "hold"

• The average consensus recommendation for the banks peer group is "buy."

• Wall Street's median 12-month price target for Metrocity Bankshares Inc is $31.00, about 13.1% above its January 29 closing price of $27.41

• The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nPnP45wra

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