Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-3.38%
$34.49
0% positive prob.
5-Day Prediction
-3.83%
$34.33
0% positive prob.
20-Day Prediction
-0.06%
$35.68
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | SELL | -3.38% | -3.83% | -0.06% | 100.0% | Pending |
| Q2 2026 | SELL | -3.50% | -4.77% | +0.03% | 99.3% | -0.95% |
| Q1 2026 | BUY | +1.45% | +2.60% | +2.28% | 100.0% | +3.50% |
| Q4 2025 | BUY | +1.24% | +2.27% | +2.41% | 100.0% | +6.28% |
SEC 8-K filings with transcript text
Oct 23, 2026 · 100% conf.
1D
-3.38%
$34.49
Act: +1.79%
5D
-3.83%
$34.33
20D
-0.06%
$35.68
2 mcbs-ex99d1.htm
Exhibit 99.1
ATLANTA, GA (October 23, 2026) – MetroCity Bankshares, Inc. (“MetroCity” or the “Company”) (NASDAQ: MCBS), holding company for Metro City Bank (the “Bank”), today reported net income of $24.3 million, or $0.84 per diluted share, for the third quarter of 2026, compared to $22.1 million, or $0.76 per diluted share, for the second quarter of 2026, and $17.3 million, or $0.67 per diluted share, for the third quarter of 2025. For the nine months ended September 30, 2026, the Company reported net income of $68.7 million or $2.37 per diluted share, compared to $50.4 million, or $1.96 per diluted share, for the same period in 2025.
Third Quarter 2026 Highlights:
●Annualized return on average assets was 2.12% compared to 1.96% for the second quarter of 2026 and 1.89% for the third quarter of 2025.
●Annualized return on average equity was 16.97%, compared to 16.01% for the second quarter of 2026 and 15.69% for the third quarter of 2025. Adjusted return on average shareholders’ equity1, which excluded average accumulated other comprehensive income and merger-related expenses, was 17.04% for the third quarter of 2026, compared to 16.17% for the second quarter of 2026, and 16.10% for the third quarter of 2025.
●Efficiency ratio was 41.81%, compared to 40.08% for the second quarter of 2026 and 38.65% for the third quarter of 2025. Operating efficiency ratio1 was 41.56%, compared to 39.54% for the second quarter of 2026 and 37.85% for the third quarter of 2025.
●Net interest margin was 4.07%, compared to 4.11% for the second quarter of 2026 and 3.68% for the third quarter of 2025.
Year-to-Date 2026 Highlights:
●Return on average assets increased to 1.99% for the nine months ended September 30, 2026, compared to 1.87% for the same period in 2025.
●Return on average equity increased to 16.54% for the nine months ended September 30, 2026, compared to 15.70% for the same period in 2025. Adjusted return on average shareholders’ equity1, which, excluded average accumulated other comprehensive income and merger-related expenses, was 16.93% for the nine months ended September 30, 2026, compared to 16.25% for the same period in 2025.
●Efficiency ratio increased to 41.35% for the nine months ended September 30, 2026, compared to 38.06% for the same period in 2025.
●Net interest margin increased by 38 basis points to 4.09% for the nine months ended September 30, 2026, compared to 3.71% for the same period in 2025.
1
1 Non-GAAP measure, see “Explanation of Certain Unaudited Non-GAAP Financial Measures” for more information and for a reconciliation to GAAP.
Results of Operations
Net Income
Net income was $24.3 million for the third quarter of 2026, an increase of $2.2 million, or 9.8%, from $22.1 million for the second quarter of 2026. The increase primarily reflected a $4.8 million decrease in income tax expense, including a $4.0 million tax credit benefit, partially offset by a $1.4 million decrease in noninterest income, a $720,000 reduction in the recovery for credit losses, a $483,000 decrease in net interest income, and an $87,000 increase in noninterest expense. Net income increased by $7.0 million, or 40.7%, compared to $17.3 million for third quarter of 2025. The year-over-year increase reflected the acquisition of First IC Corporation (“First IC”) in the fourth quarter of 2025 and was primarily attributable to a $15.7 million increase in interest income and a decrease in a $2.9 million increase in income tax, offset by a $4.0 million increase in interest expense, a $5.4 million increase in noninterest expenses, a $1.8 million decrease in noninterest income, and a $471,000 reduction in the recovery for credit losses.
Net income was $68.7 million for the nine months ended September 30, 2026, an increase of $18.4 million, or 36.4%, from $50.4 million for same period in 2025. The increase reflected the First IC acquisition in the fourth quarter of 2025, and was primarily attributable to a $37.6 million increase in net interest income and a $1.4 million increase in recovery of credit losses, partially offset by a $18.9 million increase in noninterest expense, an $871,000 decrease in noninterest income and an $885,000 increase in income tax expense.
Net Interest Income and Net Interest Margin
Interest income totaled $69.7 million for the third quarter of 2026, down $678,000, or 1.0%, from the previous quarter, primarily due to a $56.2 million decrease in average gross loans. Compared with the third quarter of 2025, interest income increased by $15.7 million, or 29.1%, primarily due to a $766.9 million increase in the average balance of gross loans, a $44.8 million increase in the average balance of investments, and a 33-basis-point increase in loan yield.
Interest expense totaled $26.2 million for the t
Jul 24, 2026 · 99% conf.
1D
-3.50%
$34.47
Act: -2.97%
5D
-4.77%
$34.02
Act: -0.95%
20D
+0.03%
$35.73
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Apr 24, 2026 · 100% conf.
1D
+1.45%
$31.77
Act: +4.25%
5D
+2.60%
$32.13
Act: +3.50%
20D
+2.28%
$32.03
Act: +4.28%
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This page provides MetroCity Bankshares Inc. (MCBS) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on MCBS's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.