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MBWM vs MCBS
Mercantile Bank Corporation (MBWM) vs MetroCity Bankshares (MCBS) Earnings Preview: Q1 Results on Deck
Key Takeaways
- MBWM schedules Q1 2026 earnings for April 21, with analysts eyeing continued strength from recent acquisition-driven growth.
- MCBS Q1 2026 earnings due April 17, following robust Q4 NIM expansion to 3.73%.
- Both regional banks posted strong 2025 results: MBWM full-year EPS $5.47, ROE 14.1%; MCBS EPS $2.64, ROE 15.6%.
- MBWM boasts larger balance sheet at $6.8B assets vs. MCBS' $4.8B, with conservative 91% loan-to-deposit ratio post-acquisition.
- Deposit growth and NIM stability key watches amid rate environment; both yield ~3% dividends.
- Market caps similar ~$900M, trading at low-teens P/E multiples signal value in regional banking sector.
Earnings Context and Why This Comparison Matters
Upcoming Q1 2026 earnings for MBWM and MCBS offer insights into regional bank resilience amid shifting interest rates and economic pressures. Both operate as holding companies for community-focused banks—MBWM's Mercantile Bank in Michigan and MCBS's Metro City Bank in Texas—targeting small- to medium-sized businesses with commercial loans, deposits, and fee-based services. Recent acquisitions boosted scale: MBWM integrated Eastern Michigan Bank; MCBS added First IC. Comparing them highlights strategies in net interest income (NII, interest revenue minus funding costs), loan quality, and deposit stability, critical for investors gauging sector health.
Mercantile Bank Corporation Focus
MBWM will release Q1 2026 results before market open on April 21, followed by a 10 a.m. ET conference call. Investors anticipate updates on post-acquisition integration from the Eastern deal, which added scale in late 2025. Q4 2025 delivered net income of $22.8 million ($1.40 diluted EPS, up 15% YoY), NII $51.0 million, and NIM steady at 3.43%. Full-year 2025 netted $88.8 million ($5.47 EPS), with ROA 1.4% and ROE 14.1%. Balance sheet grew to $6.84 billion assets, $4.82 billion loans, $5.28 billion deposits (91% loan-to-deposit ratio post-acquisition). A negative $0.7 million provision reflected credit strength; noninterest income rose 9% to $11.1 million on treasury fees and BOLI (bank-owned life insurance). Watch for loan growth guidance (5-7% expected for 2026) and NIM expansion from asset repricing.
MetroCity Bankshares Context
MCBS Q1 2026 earnings are slated for April 17. Building on Q4 2025 momentum—net income $18.3 million ($0.68 EPS), NII $35.9 million, NIM up to 3.73%—the focus remains organic growth plus First IC integration. Full-year 2025 yielded $68.7 million net income ($2.64 EPS), ROA 1.85%, ROE 15.6%. Assets hit $4.8 billion, loans $4.1 billion (including $993 million acquired), deposits $3.65 billion. Interest income surged 12% QoQ on higher loans/investments; excluding acquisitions, core growth persisted. Provision rose modestly; noninterest income climbed on SBA (Small Business Administration) lending and service charges. Recent dividend hike to $0.25 quarterly underscores confidence. Key to monitor: sustained NIM lift and credit quality in Texas markets.
Head-to-Head Earnings and Market Comparison
MBWM edges in absolute scale ($6.8B assets vs. $4.8B) and EPS power ($5.47 TTM), fueled by Michigan commercial lending and acquisition synergies, but MCBS shines in efficiency (higher ROE 15.6% vs. 14.1%, NIM 3.73% vs. 3.43%). Both grew NII—MBWM 5% YoY Q4, MCBS 12% QoQ—amid deposit gains (local focus reduced wholesale reliance). Risks include NCOs (net charge-offs) and rate sensitivity; both maintain strong CET1 (Common Equity Tier 1, key capital ratio) above peers. Sentiment favors stability: low P/E (~10x), 3% yields. Q1 previews could pivot on loan demand, fee income, and provision trends.
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Tickeron AI Verdict
Tickeron AI leans toward MCBS (55% probability) for superior ROE, NIM trajectory, and Texas growth exposure, though MBWM offers scale stability—watch Q1 for confirmation on earnings quality and trends.
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 MBWM 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).
MBWM’s FA Score shows that 2 FA rating(s) are green whileMCBS’s FA Score has 1 green FA rating(s).
- MBWM’s FA Score: 2 green, 3 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.
MBWM’s TA Score shows that 6 TA indicator(s) are bullish while MCBS’s TA Score has 3 bullish TA indicator(s).
- MBWM’s TA Score: 6 bullish, 2 bearish.
- MCBS’s TA Score: 3 bullish, 5 bearish.
Price Growth
MBWM (@Regional Banks) experienced а +0.37% 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
MBWM is expected to report earnings on Jul 21, 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.
| MBWM | MCBS | MBWM / MCBS | |
| Capitalization | 932M | 979M | 95% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.876 | 30.963 | 45% |
| P/E Ratio | 9.67 | 12.29 | 79% |
| Revenue | 253M | 168M | 151% |
| Total Cash | 48.4M | 279M | 17% |
| Total Debt | 484M | 440M | 110% |
MBWM | MCBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 78 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 60 Fair valued | |
PROFIT vs RISK RATING 1..100 | 21 | 31 | |
SMR RATING 1..100 | 46 | 47 | |
PRICE GROWTH RATING 1..100 | 47 | 43 | |
P/E GROWTH RATING 1..100 | 48 | 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.
MBWM's Valuation (33) in the Regional Banks industry is in the same range as MCBS (60) in the null industry. This means that MBWM’s stock grew similarly to MCBS’s over the last 12 months.
MBWM's Profit vs Risk Rating (21) in the Regional Banks industry is in the same range as MCBS (31) in the null industry. This means that MBWM’s stock grew similarly to MCBS’s over the last 12 months.
MBWM's SMR Rating (46) in the Regional Banks industry is in the same range as MCBS (47) in the null industry. This means that MBWM’s stock grew similarly to MCBS’s over the last 12 months.
MCBS's Price Growth Rating (43) in the null industry is in the same range as MBWM (47) in the Regional Banks industry. This means that MCBS’s stock grew similarly to MBWM’s over the last 12 months.
MCBS's P/E Growth Rating (39) in the null industry is in the same range as MBWM (48) in the Regional Banks industry. This means that MCBS’s stock grew similarly to MBWM’s over the last 12 months.
| MBWM | MCBS | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 62% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 68% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 64% | 2 days ago 62% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 61% | 2 days ago 68% |
| Advances ODDS (%) | 2 days ago 64% | 14 days ago 66% |
| Declines ODDS (%) | N/A | 9 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 60% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 58% | 2 days ago 62% |
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MBWM and
Correlation & Price change
A.I.dvisor indicates that over the last year, MBWM has been closely correlated with SRCE. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if MBWM jumps, then SRCE could also see price increases.
| Ticker / NAME | Correlation To MBWM | 1D Price Change % | ||
|---|---|---|---|---|
| MBWM | 100% | +0.39% | ||
| SRCE - MBWM | 88% Closely correlated | +1.22% | ||
| THFF - MBWM | 87% Closely correlated | +1.48% | ||
| IBCP - MBWM | 87% Closely correlated | -0.35% | ||
| FRME - MBWM | 86% Closely correlated | +1.13% | ||
| EFSC - MBWM | 86% Closely correlated | +1.87% | ||
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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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