MCBS
Price
$27.53
Change
+$0.20 (+0.73%)
Updated
Oct 3 closing price
Capitalization
697.95M
11 days until earnings call
SPFI
Price
$38.87
Change
+$0.57 (+1.49%)
Updated
Oct 3 closing price
Capitalization
631.12M
22 days until earnings call
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MCBS vs SPFI

Header iconMCBS vs SPFI Comparison
Open Charts MCBS vs SPFIBanner chart's image
MetroCity Bankshares
Price$27.53
Change+$0.20 (+0.73%)
Volume$23.32K
Capitalization697.95M
South Plains Financial
Price$38.87
Change+$0.57 (+1.49%)
Volume$48.62K
Capitalization631.12M
MCBS vs SPFI Comparison Chart in %
MCBS
Daily Signalchanged days ago
Gain/Loss if bought
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SPFI
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS vs. SPFI commentary
Oct 06, 2025

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 MCBS is a Hold and SPFI is a Hold.

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COMPARISON
Comparison
Oct 06, 2025
Stock price -- (MCBS: $27.53 vs. SPFI: $38.87)
Brand notoriety: MCBS and SPFI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: MCBS: 70% vs. SPFI: 95%
Market capitalization -- MCBS: $697.95M vs. SPFI: $631.12M
MCBS [@Regional Banks] is valued at $697.95M. SPFI’s [@Regional Banks] market capitalization is $631.12M. The market cap for tickers in the [@Regional Banks] industry ranges from $167.13B to $0. The average market capitalization across the [@Regional Banks] industry is $7.9B.

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).

MCBS’s FA Score shows that 1 FA rating(s) are green whileSPFI’s FA Score has 2 green FA rating(s).

  • MCBS’s FA Score: 1 green, 4 red.
  • SPFI’s FA Score: 2 green, 3 red.
According to our system of comparison, SPFI is a better buy in the long-term than MCBS.

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.

MCBS’s TA Score shows that 4 TA indicator(s) are bullish while SPFI’s TA Score has 3 bullish TA indicator(s).

  • MCBS’s TA Score: 4 bullish, 7 bearish.
  • SPFI’s TA Score: 3 bullish, 6 bearish.
According to our system of comparison, both MCBS and SPFI are a bad buy in the short-term.

Price Growth

MCBS (@Regional Banks) experienced а -4.04% price change this week, while SPFI (@Regional Banks) price change was -0.94% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.44%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +19.54%.

Reported Earning Dates

MCBS is expected to report earnings on Oct 17, 2025.

SPFI is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Regional Banks (-0.44% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
MCBS($698M) has a higher market cap than SPFI($631M). SPFI has higher P/E ratio than MCBS: SPFI (11.97) vs MCBS (10.63). SPFI YTD gains are higher at: 13.289 vs. MCBS (-11.725). MCBS has more cash in the bank: 279M vs. SPFI (56M). SPFI has less debt than MCBS: SPFI (112M) vs MCBS (433M). SPFI has higher revenues than MCBS: SPFI (198M) vs MCBS (145M).
MCBSSPFIMCBS / SPFI
Capitalization698M631M111%
EBITDAN/AN/A-
Gain YTD-11.72513.289-88%
P/E Ratio10.6311.9789%
Revenue145M198M73%
Total Cash279M56M498%
Total Debt433M112M387%
FUNDAMENTALS RATINGS
MCBS vs SPFI: Fundamental Ratings
MCBS
SPFI
OUTLOOK RATING
1..100
788
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
52
Fair valued
PROFIT vs RISK RATING
1..100
3720
SMR RATING
1..100
3332
PRICE GROWTH RATING
1..100
6151
P/E GROWTH RATING
1..100
7157
SEASONALITY SCORE
1..100
90n/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.

SPFI's Valuation (52) in the Financial Conglomerates industry is in the same range as MCBS (60) in the null industry. This means that SPFI’s stock grew similarly to MCBS’s over the last 12 months.

SPFI's Profit vs Risk Rating (20) in the Financial Conglomerates industry is in the same range as MCBS (37) in the null industry. This means that SPFI’s stock grew similarly to MCBS’s over the last 12 months.

SPFI's SMR Rating (32) in the Financial Conglomerates industry is in the same range as MCBS (33) in the null industry. This means that SPFI’s stock grew similarly to MCBS’s over the last 12 months.

SPFI's Price Growth Rating (51) in the Financial Conglomerates industry is in the same range as MCBS (61) in the null industry. This means that SPFI’s stock grew similarly to MCBS’s over the last 12 months.

SPFI's P/E Growth Rating (57) in the Financial Conglomerates industry is in the same range as MCBS (71) in the null industry. This means that SPFI’s stock grew similarly to MCBS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
MCBSSPFI
RSI
ODDS (%)
Bullish Trend 3 days ago
50%
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
81%
Bullish Trend 3 days ago
83%
Momentum
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
62%
MACD
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
54%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
64%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
64%
Advances
ODDS (%)
Bullish Trend 18 days ago
68%
Bullish Trend 10 days ago
60%
Declines
ODDS (%)
Bearish Trend 6 days ago
59%
Bearish Trend 4 days ago
62%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
70%
Bullish Trend 3 days ago
67%
Aroon
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
75%
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MCBS
Daily Signalchanged days ago
Gain/Loss if bought
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SPFI
Daily Signalchanged days ago
Gain/Loss if bought
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SPFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SPFI has been closely correlated with SBSI. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if SPFI jumps, then SBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SPFI
1D Price
Change %
SPFI100%
+1.49%
SBSI - SPFI
84%
Closely correlated
+1.40%
FFIN - SPFI
83%
Closely correlated
+0.36%
MCBS - SPFI
82%
Closely correlated
+0.73%
UBSI - SPFI
82%
Closely correlated
+1.25%
INDB - SPFI
82%
Closely correlated
+0.81%
More