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FCBC vs MCBS
First Community Bankshares (FCBC) vs MetroCity Bankshares (MCBS) Earnings Preview: Q1 Estimates and Regional Banking Comparison
Key Takeaways
- MetroCity Bankshares (MCBS) reports Q1 2026 earnings on April 17, with consensus EPS of $0.70 and revenue of $50.8 million.
- First Community Bankshares (FCBC) follows on April 21, expecting EPS of $0.72 and revenue around $44 million.
- MCBS shows stronger profitability with 14.2% ROE (return on equity) and 44% profit margin vs. FCBC's 9.5% ROE and 29% margin (TTM).
- Both banks maintain solid capital positions; MCBS has higher ROA (return on assets) at 1.64% vs. FCBC's 1.50%.
- Q4 2025 recaps: MCBS net income $18.3 million ($0.68 EPS, missed estimates); FCBC $12.46 million ($0.68 EPS, beat estimates).
- Regional focus: FCBC in Appalachia ($3.26B assets), MCBS in Southeast ($4.76B assets, estimated).
Earnings Context and Why This Comparison Matters
Quarterly earnings provide critical insights into regional banks' resilience amid interest rate dynamics, loan growth, and deposit stability. FCBC and MCBS operate in complementary U.S. regional markets, serving commercial and retail clients with similar products like deposits, loans, and net interest income (NII, primary revenue from loans minus deposit costs). Comparing their upcoming Q1 2026 results highlights operational efficiency, credit quality, and growth potential in a normalizing rate environment.
MetroCity Bankshares (MCBS) Focus
MetroCity Bankshares (MCBS), holding company for Metro City Bank, is set to report Q1 2026 earnings on April 17 before market open. Analysts project EPS of $0.70 on revenue of $50.8 million. In Q4 2025 (reported January 30), MCBS posted net income of $18.3 million or $0.68 diluted EPS, missing estimates of $0.73 but with NII up to $35.93 million from $30.06 million year-over-year. Full-year 2025 net income reached $68.7 million. Assets stood near $4.76 billion, with strong deposit growth excluding acquisitions. Key metrics include ROE of 14.2% and profit margin of 43.95% (TTM). Investors watch for continued NII expansion and credit quality, with low NCOs (net charge-offs, losses on loans).
First Community Bankshares (FCBC) Context
First Community Bankshares (FCBC), parent of First Community Bank, reports Q1 2026 on April 21. Expectations: EPS $0.72, revenue ~$44.2 million. Q4 2025 (January 27 release) delivered net income of $12.46 million or $0.68 EPS (beat estimates), with full-year at $48.79 million ($2.65 EPS). NII was $32.36 million, up from prior year. Assets totaled $3.26 billion, cash $512 million. TTM ROE 9.5%, ROA 1.50%, profit margin 29.14%. Recent quarters show stable deposits and controlled NCOs. Positioning remains conservative, with focus on Appalachian markets.
Head-to-Head Earnings and Market Comparison
MCBS edges in scale ($900M+ market cap vs. FCBC's $830M) and profitability (higher ROE/ROA, superior margins from efficient operations). Q4 NII favored MCBS ($35.93M vs. $32.36M), reflecting stronger deposit funding. Growth drivers: MCBS benefits from Southeast expansion; FCBC from steady regional lending. Risks include rate sensitivity—both exposed to NII compression if cuts accelerate—and credit (low NCOs currently). Sentiment leans positive for MCBS's efficiency; FCBC valued for stability. TTM EPS near parity (MCBS $2.64, FCBC $2.65), but MCBS's trajectory suggests upside if Q1 beats.
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Tickeron AI Verdict
Tickeron AI currently favors MCBS (65% probability) for superior earnings quality, higher ROE/ROA, trend strength in NII growth, and market positioning, though FCBC offers stability for conservative portfolios.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FCBC is a StrongBuy and MCBS is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FCBC’s FA Score shows that 1 FA rating(s) are green whileMCBS’s FA Score has 1 green FA rating(s).
- FCBC’s FA Score: 1 green, 4 red.
- MCBS’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FCBC’s TA Score shows that 5 TA indicator(s) are bullish while MCBS’s TA Score has 3 bullish TA indicator(s).
- FCBC’s TA Score: 5 bullish, 2 bearish.
- MCBS’s TA Score: 3 bullish, 5 bearish.
Price Growth
FCBC (@Regional Banks) experienced а +2.79% price change this week, while MCBS (@Regional Banks) price change was +1.01% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FCBC is expected to report earnings on Jul 28, 2026.
MCBS is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FCBC | MCBS | FCBC / MCBS | |
| Capitalization | 827M | 979M | 84% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 36.059 | 30.963 | 116% |
| P/E Ratio | 16.61 | 12.29 | 135% |
| Revenue | 161M | 168M | 96% |
| Total Cash | 126M | 279M | 45% |
| Total Debt | 1M | 440M | 0% |
FCBC | MCBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 43 | 78 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 63 Fair valued | 60 Fair valued | |
PROFIT vs RISK RATING 1..100 | 32 | 31 | |
SMR RATING 1..100 | 63 | 47 | |
PRICE GROWTH RATING 1..100 | 46 | 43 | |
P/E GROWTH RATING 1..100 | 35 | 39 | |
SEASONALITY SCORE 1..100 | 85 | n/a |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
MCBS's Valuation (60) in the null industry is in the same range as FCBC (63) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FCBC’s over the last 12 months.
MCBS's Profit vs Risk Rating (31) in the null industry is in the same range as FCBC (32) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FCBC’s over the last 12 months.
MCBS's SMR Rating (47) in the null industry is in the same range as FCBC (63) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FCBC’s over the last 12 months.
MCBS's Price Growth Rating (43) in the null industry is in the same range as FCBC (46) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FCBC’s over the last 12 months.
FCBC's P/E Growth Rating (35) in the Regional Banks industry is in the same range as MCBS (39) in the null industry. This means that FCBC’s stock grew similarly to MCBS’s over the last 12 months.
| FCBC | MCBS | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 75% | 2 days ago 62% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 69% | 2 days ago 68% |
| Advances ODDS (%) | 2 days ago 67% | 14 days ago 66% |
| Declines ODDS (%) | N/A | 9 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 64% | 2 days ago 62% |
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FCBC and
Correlation & Price change
A.I.dvisor indicates that over the last year, FCBC has been closely correlated with MCBS. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if FCBC jumps, then MCBS could also see price increases.
| Ticker / NAME | Correlation To FCBC | 1D Price Change % | ||
|---|---|---|---|---|
| FCBC | 100% | +1.01% | ||
| MCBS - FCBC | 85% Closely correlated | -0.03% | ||
| MBWM - FCBC | 83% Closely correlated | +0.39% | ||
| IBCP - FCBC | 83% Closely correlated | -0.35% | ||
| BHRB - FCBC | 83% Closely correlated | -0.06% | ||
| THFF - FCBC | 83% Closely correlated | +1.48% | ||
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MCBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, MCBS has been closely correlated with FCBC. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCBS jumps, then FCBC could also see price increases.
| Ticker / NAME | Correlation To MCBS | 1D Price Change % | ||
|---|---|---|---|---|
| MCBS | 100% | -0.03% | ||
| FCBC - MCBS | 85% Closely correlated | +1.01% | ||
| MBWM - MCBS | 83% Closely correlated | +0.39% | ||
| SRCE - MCBS | 82% Closely correlated | +1.22% | ||
| FMBH - MCBS | 81% Closely correlated | +0.51% | ||
| IBCP - MCBS | 81% Closely correlated | -0.35% | ||
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