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FMBH vs MCBS
First Mid Bancshares (FMBH) vs MetroCity Bankshares (MCBS) Earnings Preview: Q1 Insights Ahead
Key Takeaways
- FMBH Q1 2026 earnings expected around April 29, with consensus EPS of $1.06 and revenue near $90 million.
- MCBS Q1 2026 earnings slated for April 17, analysts project EPS of $0.70 and revenue of $50.8 million.
- Both regional banks show strong balance sheets: FMBH with $8 billion assets, $6 billion loans/deposits; MCBS $3.6 billion assets, $3.1 billion loans.
- FMBH posted record Q4 2025 net income of $23.7 million ($0.99 EPS), NII (net interest income) $66.5 million.
- MCBS Q4 2025 EPS $0.68 (missed estimates), revenue $43.7 million, but TTM EPS $2.64 reflects efficiency.
- Market caps: FMBH ~$1.1 billion, MCBS ~$900 million; both yield ~2.5-3% dividends.
Earnings Context and Why This Comparison Matters
Regional banks like FMBH and MCBS operate in competitive landscapes, serving commercial, retail, and small business clients amid interest rate fluctuations and economic shifts. Earnings reports reveal net interest margin (NIM, the difference between interest earned on loans and paid on deposits), loan growth, and deposit stability—key drivers of profitability. Comparing them highlights operational efficiencies, growth potential, and resilience in a high-rate environment. Investors watch for credit quality (non-performing loans), expense control, and capital ratios like CET1 (Common Equity Tier 1, a measure of core capital strength).
MetroCity Bankshares (MCBS) Focus
MCBS, the holding company for Metro City Bank, serves diverse communities with a focus on commercial banking. Q1 2026 earnings, due April 17, carry expectations of EPS at $0.70 and revenue around $50.8 million, reflecting steady loan expansion (Q4 loans held for investment up 3.1% excluding acquisitions). In Q4 2025, the company reported EPS of $0.68, slightly below the $0.73 consensus, with revenue of $43.74 million. Total assets reached $3.62 billion, loans $3.12 billion, and deposits $2.69 billion, underscoring liquidity. Analysts eye NIM improvement and deposit growth amid competition from larger banks.
First Mid Bancshares (FMBH) Context
FMBH, parent of First Mid Bank & Trust, provides banking, wealth management, and insurance in the Midwest. Its Q1 2026 report, estimated for April 29-30, anticipates EPS of about $1.06 and revenue near $90 million. Q4 2025 delivered record net income of $23.7 million ($0.99 diluted EPS, adjusted $1.06), with NII at $66.5 million (up slightly QoQ). Balance sheet strength shone: total assets $7.97 billion, loans $6.01 billion (up 3.2% QoQ), deposits $6.40 billion. Recent acquisitions like Two Rivers bolster scale, supporting ROTCE (return on tangible common equity, profitability on tangible capital) above peers.
Head-to-Head Earnings and Market Comparison
Both banks exhibit solid fundamentals, but scale differentiates: FMBH's larger asset base ($8B vs. $3.6B) drives higher absolute earnings, with Q4 NII surpassing MCBS's full-quarter revenue. MCBS counters with superior efficiency—TTM profit margin ~44%, ROA (return on assets) implied higher via lower expenses. Growth drivers include FMBH's M&A (mergers and acquisitions) and agricultural lending, versus MCBS's commercial focus. Risks: interest rate sensitivity (NCO, net charge-offs on loans) and economic slowdowns impacting deposits. Sentiment favors FMBH for diversification, MCBS for yield and valuation (P/E ~11-12x).
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Tickeron AI Verdict
Tickeron AI currently favors FMBH (~65% probability) for superior earnings quality, larger scale, loan/deposit growth, and trend stability, though MCBS offers value with high margins and dividends.
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 disclaimer. 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 FMBH is a Buy 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).
FMBH’s FA Score shows that 0 FA rating(s) are green whileMCBS’s FA Score has 1 green FA rating(s).
- FMBH’s FA Score: 0 green, 5 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.
FMBH’s TA Score shows that 4 TA indicator(s) are bullish while MCBS’s TA Score has 3 bullish TA indicator(s).
- FMBH’s TA Score: 4 bullish, 3 bearish.
- MCBS’s TA Score: 3 bullish, 5 bearish.
Price Growth
FMBH (@Regional Banks) experienced а +0.49% 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
FMBH is expected to report earnings on Jul 23, 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.
| FMBH | MCBS | FMBH / MCBS | |
| Capitalization | 1.23B | 979M | 125% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 19.585 | 30.963 | 63% |
| P/E Ratio | 11.64 | 12.29 | 95% |
| Revenue | 355M | 168M | 211% |
| Total Cash | 16.1M | 279M | 6% |
| Total Debt | 383M | 440M | 87% |
FMBH | MCBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 25 | 78 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 93 Overvalued | 60 Fair valued | |
PROFIT vs RISK RATING 1..100 | 74 | 31 | |
SMR RATING 1..100 | 51 | 47 | |
PRICE GROWTH RATING 1..100 | 45 | 43 | |
P/E GROWTH RATING 1..100 | 45 | 39 | |
SEASONALITY SCORE 1..100 | 75 | 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 somewhat better than the same rating for FMBH (93) in the Regional Banks industry. This means that MCBS’s stock grew somewhat faster than FMBH’s over the last 12 months.
MCBS's Profit vs Risk Rating (31) in the null industry is somewhat better than the same rating for FMBH (74) in the Regional Banks industry. This means that MCBS’s stock grew somewhat faster than FMBH’s over the last 12 months.
MCBS's SMR Rating (47) in the null industry is in the same range as FMBH (51) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FMBH’s over the last 12 months.
MCBS's Price Growth Rating (43) in the null industry is in the same range as FMBH (45) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FMBH’s over the last 12 months.
MCBS's P/E Growth Rating (39) in the null industry is in the same range as FMBH (45) in the Regional Banks industry. This means that MCBS’s stock grew similarly to FMBH’s over the last 12 months.
| FMBH | MCBS | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 77% | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 52% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 45% | 2 days ago 62% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 68% |
| Advances ODDS (%) | 2 days ago 58% | 14 days ago 66% |
| Declines ODDS (%) | N/A | 9 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 81% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 40% | 2 days ago 62% |
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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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