MCBS – Dividend Returns, History & Calculator
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking accounts, savings, and
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Price Data
Dividend Data
Growth Rates
Total Returns
Fair Value
Financial Metrics
Calculate your MCBS Dividend Returns
Quickly and easily calculate MCBS dividend yield using our MCBS calculator. Adjust the fields below to see how your MCBS investments snowball over time.
Portfolio Growth Over Time
Data last updated: October 15, 2025 5:13 pm
Year-by-Year Portfolio Growth (Realistic DRIP Scenario)
| Year | Start Balance | Start Shares | Share Price | Dividend / Share | Dividend Yield | Yield on Cost | Annual Dividend | Total Dividends | End Shares | End Balance |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $10,000 | 371 | $26.95 | $0.25 | 3.71% | 3.71% | $404 | $404 | 431 | $11,604 |
| 2 | $13,028 | 431 | $30.26 | $0.29 | 3.79% | 4.25% | $529 | $934 | 488 | $14,758 |
| 3 | $16,569 | 488 | $33.97 | $0.33 | 3.87% | 4.88% | $680 | $1,614 | 543 | $18,449 |
| 4 | $20,713 | 543 | $38.14 | $0.38 | 3.95% | 5.59% | $861 | $2,475 | 597 | $22,774 |
| 5 | $25,569 | 597 | $42.82 | $0.43 | 4.04% | 6.41% | $1,079 | $3,553 | 650 | $27,848 |
| 6 | $31,265 | 650 | $48.08 | $0.50 | 4.12% | 7.35% | $1,340 | $4,893 | 703 | $33,806 |
| 7 | $37,954 | 703 | $53.98 | $0.57 | 4.21% | 8.43% | $1,655 | $6,549 | 756 | $40,810 |
| 8 | $45,818 | 756 | $60.60 | $0.65 | 4.30% | 9.67% | $2,035 | $8,584 | 809 | $49,053 |
| 9 | $55,073 | 809 | $68.04 | $0.75 | 4.39% | 11.09% | $2,492 | $11,076 | 864 | $58,766 |
| 10 | $65,978 | 864 | $76.39 | $0.86 | 4.49% | 12.71% | $3,044 | $14,120 | 919 | $70,221 |
MCBS Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 07/30/2025 | 07/30/2025 | $0.250 | 3.36% | 3.57% | $27.99 |
| 04/30/2025 | 04/30/2025 | $0.230 | 3.23% | 3.34% | $27.57 |
| 01/29/2025 | 01/29/2025 | $0.230 | 2.74% | 2.93% | $31.39 |
| 10/30/2024 | 10/30/2024 | $0.230 | 2.74% | 3.04% | $30.26 |
| 07/31/2024 | 07/31/2024 | $0.200 | 2.47% | 2.53% | $31.61 |
| 04/30/2024 | 04/30/2024 | $0.200 | 3.31% | 3.48% | $22.98 |
| 01/30/2024 | 01/30/2024 | $0.200 | 2.93% | 3.16% | $25.28 |
| 10/31/2023 | 10/31/2023 | $0.180 | 3.59% | 3.59% | $20.04 |
| 08/02/2023 | 08/02/2023 | $0.180 | 3.21% | 3.35% | $21.49 |
| 05/02/2023 | 05/02/2023 | $0.180 | 4.41% | 4.81% | $14.96 |
| 01/31/2023 | 01/31/2023 | $0.180 | 3.12% | 3.56% | $20.22 |
| 11/01/2022 | 11/01/2022 | $0.150 | 2.74% | 2.74% | $21.86 |
| 08/02/2022 | 08/02/2022 | $0.150 | 2.90% | 2.95% | $20.37 |
| 05/03/2022 | 05/03/2022 | $0.150 | 2.73% | 2.93% | $20.51 |
| 02/01/2022 | 02/01/2022 | $0.150 | 2.04% | 2.40% | $25.03 |
| 11/02/2021 | 11/02/2021 | $0.140 | 1.94% | 2.36% | $23.76 |
| 08/02/2021 | 08/02/2021 | $0.120 | 2.05% | 2.40% | $19.97 |
| 05/03/2021 | 05/03/2021 | $0.100 | 2.34% | 2.47% | $16.22 |
| 02/02/2021 | 02/02/2021 | $0.100 | 2.69% | 2.76% | $14.51 |
| 11/03/2020 | 11/03/2020 | $0.090 | 2.79% | 2.51% | $14.34 |
MCBS 10-yr Total Return ($10,000 invested)
This analysis of MCBS demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 15.7% CAGR, representing strong long-term performance. The DRIP strategy provided 19% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.
Total Return with and without DRIP (MCBS)
Over the selected period, investing $10,000 in MCBS would grow to $27,942 with DRIP (179.4%), and $26,029 without DRIP (160.3%).
MCBS Dividend Reinvestment Snowball
Investing $10,000 + $100/mo in MCBS with historic price growth (11.94%) and dividend growth (14.66%) produces dramatically different outcomes depending on whether you reinvest dividends.
After 20 Years
Your Investment: $34,000
Portfolio: $411,347
Annual Dividend: $25,147
Yield on Cost: 73.96%
Total Dividends: $116,751
Portfolio: $254,058
Total Dividends: $67,391
After 30 Years
Your Investment: $46,000
Portfolio: $2,437,210
Annual Dividend: $189,533
Yield on Cost: 412.03%
Total Dividends: $862,330
Portfolio: $900,380
Total Dividends: $301,557
Milestones on the way
By year 13, the compounding really starts to show. Your total dividends collected reach $27,682 against a total investment of $25,600. At this point, your portfolio is throwing off $6,445 per year in dividends alone.
By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $14,003, a powerful “income on autopilot” milestone.
After two decades, cumulative dividends total $116,751 versus $34,000 invested, nearly a 343% recovery of capital purely from income. Yield on cost reaches 73.96%.
At year 25, the income engine takes over. The portfolio’s annual dividend of $67,934 is greater than total contributions to date ($40,000), and cumulative dividends exceed $315,699.
By year 30, the DRIP snowball is in full force. Yearly income reaches $189,533, cumulative dividends total $862,330, and the DRIP portfolio value stands at $2,437,210, compared with $900,380 if dividends weren’t reinvested.
How we estimate these numbers
We use the latest calculator inputs for MCBS, price $26.47, dividend per period $0.25 (4×/year), along with historic growth assumptions: price growth 11.94% and dividend growth 14.66% annually.
We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.
This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.
Projected Future Returns & Dividends for MCBS
Based on past 10-year performance, here are MCBS growth metrics:
Dividend History: Payments & Yield
Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.
Dividend Growth
Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.
Dividend Payments & Yield
Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.
MCBS Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 07/30/2025 | 07/30/2025 | $0.250 | 3.36% | 3.57% | $27.99 |
| 04/30/2025 | 04/30/2025 | $0.230 | 3.23% | 3.34% | $27.57 |
| 01/29/2025 | 01/29/2025 | $0.230 | 2.74% | 2.93% | $31.39 |
| 10/30/2024 | 10/30/2024 | $0.230 | 2.74% | 3.04% | $30.26 |
| 07/31/2024 | 07/31/2024 | $0.200 | 2.47% | 2.53% | $31.61 |
| 04/30/2024 | 04/30/2024 | $0.200 | 3.31% | 3.48% | $22.98 |
| 01/30/2024 | 01/30/2024 | $0.200 | 2.93% | 3.16% | $25.28 |
| 10/31/2023 | 10/31/2023 | $0.180 | 3.59% | 3.59% | $20.04 |
| 08/02/2023 | 08/02/2023 | $0.180 | 3.21% | 3.35% | $21.49 |
| 05/02/2023 | 05/02/2023 | $0.180 | 4.41% | 4.81% | $14.96 |
| 01/31/2023 | 01/31/2023 | $0.180 | 3.12% | 3.56% | $20.22 |
| 11/01/2022 | 11/01/2022 | $0.150 | 2.74% | 2.74% | $21.86 |
| 08/02/2022 | 08/02/2022 | $0.150 | 2.90% | 2.95% | $20.37 |
| 05/03/2022 | 05/03/2022 | $0.150 | 2.73% | 2.93% | $20.51 |
| 02/01/2022 | 02/01/2022 | $0.150 | 2.04% | 2.40% | $25.03 |
| 11/02/2021 | 11/02/2021 | $0.140 | 1.94% | 2.36% | $23.76 |
| 08/02/2021 | 08/02/2021 | $0.120 | 2.05% | 2.40% | $19.97 |
| 05/03/2021 | 05/03/2021 | $0.100 | 2.34% | 2.47% | $16.22 |
| 02/02/2021 | 02/02/2021 | $0.100 | 2.69% | 2.76% | $14.51 |
| 11/03/2020 | 11/03/2020 | $0.090 | 2.79% | 2.51% | $14.34 |
| 07/30/2020 | 07/30/2020 | $0.090 | 3.06% | 2.62% | $13.73 |
| 04/30/2020 | 04/30/2020 | $0.110 | 3.12% | 4.16% | $10.59 |
| 01/30/2020 | 01/30/2020 | $0.110 | 1.29% | 2.58% | $17.07 |
| 10/31/2019 | 10/31/2019 | $0.110 | 0.76% | 3.03% | $14.54 |
Dividend Payout Ratio
Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.
Dividend to Free Cash Flow Ratio
Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.
Share Price
Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.
Price to Earnings
MCBS trades at a 41.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.
Price to Sales
MCBS trades at a 18.6x price-to-sales ratio, providing insight into market valuation relative to revenue generation.
Revenue
MCBS generated $0.0B in revenue.
Net Income
MCBS reported $0.0B in net income.
Revenue vs Net Income
MCBS generated $0.0B in revenue with net income of $0.0B, representing a 44.4% net profit margin.
Gross Profit
MCBS achieved $0.0B in gross profit, showing revenue after direct production costs.
Operating Income
MCBS generated $0.0B in operating income, representing profit from core business operations.
EBITDA
MCBS generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.
Operating Cash Flow
MCBS generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.
Free Cash Flow
MCBS generated $0.0B in free cash flow.
Free Cash Flow / Share
MCBS generates $0.71 in free cash flow per share.
Earnings Per Share (EPS)
MCBS reported $0.66 in earnings per share.
Return on Equity (ROE)
MCBS delivered a 37.0% return on equity, indicating how effectively the company generates returns for shareholders.
Return on Assets (ROA)
MCBS achieved a 22.2% return on assets, measuring how efficiently the company uses its assets to generate profit.
Net Profit Margin
MCBS maintains a 44.4% net profit margin, showing the percentage of revenue retained as profit after all expenses.
Gross Profit Margin
MCBS operates with a 82.4% gross profit margin, reflecting pricing power and cost efficiency in core operations.
Cash & Debt
MCBS holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.
Shares Outstanding
MCBS has 0.0B shares outstanding.
Stock-Based Comp
MCBS reported $0.0B in stock-based compensation.
FCF vs Stock Based Comp
MCBS generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 5% of FCF.
FCF vs FCF / Share
MCBS reported $0.0B in free cash flow, translating to $0.71 per share.
Revenue: Actual + Estimates
This chart tracks MCBS revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EPS: Actual + Estimates
This chart tracks MCBS eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
Net Income: Actual + Estimates
This chart tracks MCBS net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EBITDA: Actual + Estimates
This chart tracks MCBS ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
