MCBS – Dividend Returns, History & Calculator

Dividend Challenger 5 Years

Dividend Data

Div Yield 3.32%
5Y Avg Yield 3.33%
Current Div $0.290
Payouts/Year 4
Annualized $1.160
Previous Div $0.290
Ex-date Jul 29, 2026
Dividend Pay Date Aug 7, 2026

Price Data

Price $34.96
Price Change -0.18
Price Change % -0.51%
Next Earnings Report Oct 23, 2026
Low (52W) $24.53
High (52W) $37.46

Growth Rates

Chowder Number 24.7
DGR 1Y 14.9%
DGR 3Y 16.1%
DGR 5Y 21.4%

Total Returns

TTR 1Y - With Specials 24.7%
TTR 3Y - With Specials 26.8%
TTR 1Y - No Specials 24.7%
TTR 3Y - No Specials 26.8%

Fair Value

Fair Value (P/E 10) $22.53
FV (P/E 10) % 55.0%
Fair Value (Peter Lynch) $14.40
FV (Peter Lynch) % 143.0%
Fair Value (Blended) $24.05
FV (Blended) % 45.0%

Financial Metrics

Revenue 1Y 10.2%
NPM 43.9%
CF/Share $2.85
ROE 15.9%
Debt/Capital 41.0%
ROTC 8.0%
P/E 12.1x
P/BV 1.8x
PEG 19.58

Company Info

Symbol MCBS
Company MetroCity Bankshares, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $1,006.2M
📊 Financial data last updated: August 31, 2026 1:58 pm

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.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: September 3, 2026 5:16 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000284$35.27$0.293.29%3.29%$358$358328$11,558
2$12,925328$39.44$0.333.38%3.78%$468$826370$14,592
3$16,318370$44.10$0.383.47%4.34%$600$1,425411$18,118
4$20,260411$49.32$0.443.56%4.98%$759$2,184450$22,219
5$24,846450$55.15$0.503.66%5.72%$950$3,134489$26,996
6$30,188489$61.67$0.583.76%6.57%$1,179$4,313528$32,567
7$36,418528$68.97$0.673.86%7.55%$1,456$5,769567$39,074
8$43,694567$77.12$0.763.97%8.67%$1,789$7,557605$46,683
9$52,203605$86.24$0.884.07%9.96%$2,190$9,747645$55,593
10$62,167645$96.44$1.014.18%11.44%$2,673$12,420685$66,040

MCBS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
07/29/202607/29/2026$0.2903.03%3.26%$35.62
04/29/202604/29/2026$0.2903.25%3.63%$31.96
02/04/202602/04/2026$0.2503.29%3.35%$29.83
10/29/202510/29/2025$0.2503.77%3.93%$25.45
07/30/202507/30/2025$0.2503.36%3.57%$27.99
04/30/202504/30/2025$0.2303.23%3.34%$27.57
01/29/202501/29/2025$0.2302.74%2.93%$31.39
10/30/202410/30/2024$0.2302.74%3.04%$30.26
07/31/202407/31/2024$0.2002.47%2.53%$31.61
04/30/202404/30/2024$0.2003.31%3.48%$22.98
01/30/202401/30/2024$0.2002.93%3.16%$25.28
10/31/202310/31/2023$0.1803.59%3.59%$20.04
08/02/202308/02/2023$0.1803.21%3.35%$21.49
05/02/202305/02/2023$0.1804.41%4.81%$14.96
01/31/202301/31/2023$0.1803.12%3.56%$20.22
11/01/202211/01/2022$0.1502.74%2.74%$21.86
08/02/202208/02/2022$0.1502.90%2.95%$20.37
05/03/202205/03/2022$0.1502.73%2.93%$20.51
02/01/202202/01/2022$0.1502.04%2.40%$25.03
11/02/202111/02/2021$0.1401.94%2.36%$23.76
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Invest in MCBS with Interactive Brokers

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 18.0% 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.

With DRIP No DRIP

Total Return with and without DRIP (MCBS)

Over the selected period, investing $10,000 in MCBS would grow to $38,435 with DRIP (284.3%), and $34,335 without DRIP (243.3%).

MCBS Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in MCBS with historic price growth (11.83%) and dividend growth (14.85%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $372,164

Annual Dividend: $20,887

Yield on Cost: 61.43%

Total Dividends: $98,116

No DRIP

Portfolio: $243,751

Total Dividends: $60,195

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $2,092,312

Annual Dividend: $153,397

Yield on Cost: 333.47%

Total Dividends: $706,606

No DRIP

Portfolio: $857,128

Total Dividends: $273,682

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $23,616 against a total investment of $25,600. At this point, your portfolio is throwing off $5,451 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 $11,724, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $98,116 versus $34,000 invested, nearly a 289% recovery of capital purely from income. Yield on cost reaches 61.43%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $55,680 is greater than total contributions to date ($40,000), and cumulative dividends exceed $262,044.

By year 30, the DRIP snowball is in full force. Yearly income reaches $153,397, cumulative dividends total $706,606, and the DRIP portfolio value stands at $2,092,312, compared with $857,128 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for MCBS, price $35.27, dividend per period $0.29 (4x/year), along with historic growth assumptions: price growth 11.83% and dividend growth 14.85% 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:

Share price CAGR of +4.23%
Dividend CAGR of +21.37%

Using MCBS CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

MCBS (DRIP)MCBS (No DRIP)
Current Price$35.60$35.60
Start Shares280.90280.90
Start Value$10,000$10,000
After 10 years:
Final Share Count618.47280.90
Dividends Payment$8.05$8.05
Annual Dividends$4,331$2,261
Yield on cost43.31%22.61%
Share Price$53.88$53.88
Total Dividends$16,321$10,988
Final Value$33,321$26,122

Estimated Future Value + Dividends – MCBS

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.

Yield Dividend

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

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.

Dividend 5-yr Rolling AVG Yield

MCBS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
07/29/202607/29/2026$0.2903.03%3.26%$35.62
04/29/202604/29/2026$0.2903.25%3.63%$31.96
02/04/202602/04/2026$0.2503.29%3.35%$29.83
10/29/202510/29/2025$0.2503.77%3.93%$25.45
07/30/202507/30/2025$0.2503.36%3.57%$27.99
04/30/202504/30/2025$0.2303.23%3.34%$27.57
01/29/202501/29/2025$0.2302.74%2.93%$31.39
10/30/202410/30/2024$0.2302.74%3.04%$30.26
07/31/202407/31/2024$0.2002.47%2.53%$31.61
04/30/202404/30/2024$0.2003.31%3.48%$22.98
01/30/202401/30/2024$0.2002.93%3.16%$25.28
10/31/202310/31/2023$0.1803.59%3.59%$20.04
08/02/202308/02/2023$0.1803.21%3.35%$21.49
05/02/202305/02/2023$0.1804.41%4.81%$14.96
01/31/202301/31/2023$0.1803.12%3.56%$20.22
11/01/202211/01/2022$0.1502.74%2.74%$21.86
08/02/202208/02/2022$0.1502.90%2.95%$20.37
05/03/202205/03/2022$0.1502.73%2.93%$20.51
02/01/202202/01/2022$0.1502.04%2.40%$25.03
11/02/202111/02/2021$0.1401.94%2.36%$23.76
08/02/202108/02/2021$0.1202.05%2.40%$19.97
05/03/202105/03/2021$0.1002.34%2.47%$16.22
02/02/202102/02/2021$0.1002.69%2.76%$14.51
11/03/202011/03/2020$0.0902.79%2.51%$14.34
07/30/202007/30/2020$0.0903.06%2.62%$13.73
04/30/202004/30/2020$0.1103.12%4.16%$10.59
01/30/202001/30/2020$0.1101.29%2.58%$17.07
10/31/201910/31/2019$0.1100.76%3.03%$14.54
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

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.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter-over-quarter and year-over-year changes for additional context.

MCBS Price

Price to Earnings

MCBS trades at a 36.3x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

MCBS trades at a 15.9x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

MCBS generated $0.1B in revenue. Revenue has grown by 47% over the period.

Net Income

MCBS reported $0.0B in net income. Net income has grown by 36% over the period.

Revenue vs Net Income

MCBS generated $0.1B in revenue with net income of $0.0B, representing a 43.9% 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 has increased by 35% over the period.

Free Cash Flow / Share

MCBS generates $0.83 in free cash flow per share. FCF per share has grown by 35% over the period.

Earnings Per Share (EPS)

MCBS reported $0.78 in earnings per share. EPS has grown by 36% over the period.

Return on Equity (ROE)

MCBS delivered a 36.6% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

MCBS achieved a 21.9% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

MCBS maintains a 43.9% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

MCBS operates with a 82.2% 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. Over the period, stock-based compensation has increased by 47%.

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 $0.83 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.

About MetroCity Bankshares, Inc.

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, savings, and money ma

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Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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