MetroCity Bankshares (MCBS)
Market Price (12/28/2025): $26.84 | Market Cap: $685.4 MilSector: Financials | Industry: Regional Banks
MetroCity Bankshares (MCBS)
Market Price (12/28/2025): $26.84Market Cap: $685.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 3.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1%, FCF Yield is 8.9% | Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -41% | Key risksMCBS key risks include [1] slowing revenue growth and rising non-performing loans, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% | ||
| Low stock price volatilityVol 12M is 27% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 3.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1%, FCF Yield is 8.9% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% |
| Low stock price volatilityVol 12M is 27% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending. |
| Weak multi-year price returns2Y Excs Rtn is -29%, 3Y Excs Rtn is -41% |
| Key risksMCBS key risks include [1] slowing revenue growth and rising non-performing loans, Show more. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
Here are the key points for the approximate -9.5% movement in MetroCity Bankshares (MCBS) stock from August 31, 2025, to December 27, 2025:
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<b>1. Analyst Downgrades and Price Target Reductions:</b> In October 2025, MetroCity Bankshares received downgrades from analyst firms. Specifically, Weiss Ratings downgraded the stock from "buy" to "hold" on October 14, 2025. Following this, on October 21, 2025, Keefe, Bruyette & Woods reduced their price target for MCBS from $33.00 to $31.00 and issued a "market perform" rating. These revised outlooks likely contributed to negative investor sentiment.
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<b>2. Decrease in Net Interest Margin (Q3 2025):</b> MetroCity Bankshares' third-quarter 2025 earnings report, released on October 17, 2025, showed a decrease in its net interest margin to 3.68% from 3.77% in the previous quarter. A declining net interest margin can be a concern for bank investors, indicating pressure on profitability from lending activities.
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<b>3. Increase in Efficiency Ratio (Q3 2025):</b> The company's Q3 2025 earnings also revealed an increase in its efficiency ratio, rising to 38.7% compared to 37.2% in the second quarter of 2025. An increasing efficiency ratio suggests higher operational costs relative to income, which can be viewed negatively by the market.
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<b>4. Completion of First IC Corporation Acquisition:</b> On December 2, 2025, MetroCity Bankshares completed its acquisition of First IC Corporation for approximately $200 million. While strategic for long-term growth, large acquisitions can sometimes lead to short-term stock price declines due to investor concerns about integration challenges, potential dilution, or the financing structure of the deal.
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<b>5. Underperformance Relative to Industry and Market:</b> During the past year, MCBS underperformed both the broader US Banks industry and the overall US market. This sustained relative weakness can make the stock less attractive to investors and exacerbate downward movements when other negative factors arise.
Show moreStock Movement Drivers
Fundamental Drivers
The -5.6% change in MCBS stock from 9/27/2025 to 12/27/2025 was primarily driven by a -6.1% change in the company's P/E Multiple.| 9272025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 28.42 | 26.83 | -5.59% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 144.66 | 145.72 | 0.74% |
| Net Income Margin (%) | 45.67% | 45.72% | 0.12% |
| P/E Multiple | 10.95 | 10.28 | -6.05% |
| Shares Outstanding (Mil) | 25.45 | 25.54 | -0.36% |
| Cumulative Contribution | -5.59% |
Market Drivers
9/27/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| MCBS | -5.6% | |
| Market (SPY) | 4.3% | 16.8% |
| Sector (XLF) | 3.3% | 48.2% |
Fundamental Drivers
The -3.8% change in MCBS stock from 6/28/2025 to 12/27/2025 was primarily driven by a -4.0% change in the company's P/E Multiple.| 6282025 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 27.89 | 26.83 | -3.80% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 143.02 | 145.72 | 1.89% |
| Net Income Margin (%) | 46.27% | 45.72% | -1.18% |
| P/E Multiple | 10.71 | 10.28 | -3.95% |
| Shares Outstanding (Mil) | 25.40 | 25.54 | -0.53% |
| Cumulative Contribution | -3.80% |
Market Drivers
6/28/2025 to 12/27/2025| Return | Correlation | |
|---|---|---|
| MCBS | -3.8% | |
| Market (SPY) | 12.6% | 33.0% |
| Sector (XLF) | 7.4% | 53.1% |
Fundamental Drivers
The -13.4% change in MCBS stock from 12/27/2024 to 12/27/2025 was primarily driven by a -21.9% change in the company's P/E Multiple.| 12272024 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 30.98 | 26.83 | -13.39% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 135.01 | 145.72 | 7.93% |
| Net Income Margin (%) | 44.16% | 45.72% | 3.55% |
| P/E Multiple | 13.16 | 10.28 | -21.88% |
| Shares Outstanding (Mil) | 25.33 | 25.54 | -0.81% |
| Cumulative Contribution | -13.40% |
Market Drivers
12/27/2024 to 12/27/2025| Return | Correlation | |
|---|---|---|
| MCBS | -13.4% | |
| Market (SPY) | 17.0% | 49.9% |
| Sector (XLF) | 15.3% | 61.7% |
Fundamental Drivers
The 37.8% change in MCBS stock from 12/28/2022 to 12/27/2025 was primarily driven by a 45.1% change in the company's P/E Multiple.| 12282022 | 12272025 | Change | |
|---|---|---|---|
| Stock Price ($) | 19.46 | 26.83 | 37.84% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 141.85 | 145.72 | 2.73% |
| Net Income Margin (%) | 49.26% | 45.72% | -7.17% |
| P/E Multiple | 7.09 | 10.28 | 45.14% |
| Shares Outstanding (Mil) | 25.43 | 25.54 | -0.41% |
| Cumulative Contribution | 37.84% |
Market Drivers
12/28/2023 to 12/27/2025| Return | Correlation | |
|---|---|---|
| MCBS | 15.5% | |
| Market (SPY) | 48.0% | 43.2% |
| Sector (XLF) | 51.3% | 60.7% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| MCBS Return | -15% | 96% | -19% | 15% | 37% | -12% | 86% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| MCBS Win Rate | 42% | 92% | 33% | 50% | 58% | 50% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| MCBS Max Drawdown | -51% | -2% | -31% | -33% | -5% | -20% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | MCBS | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -51.1% | -25.4% |
| % Gain to Breakeven | 104.5% | 34.1% |
| Time to Breakeven | 442 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -55.5% | -33.9% |
| % Gain to Breakeven | 124.6% | 51.3% |
| Time to Breakeven | 439 days | 148 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
MetroCity Bankshares's stock fell -51.1% during the 2022 Inflation Shock from a high on 1/7/2022. A -51.1% loss requires a 104.5% gain to breakeven.
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AI Analysis | Feedback
1. It's like a smaller, more specialized version of a regional bank such as PNC or Truist, with a strong focus on serving small businesses and individuals within specific ethnic communities.
2. Think of it as a community bank, similar to a local Bank of America, but specifically catering to the Korean-American business community and other ethnic groups in its operating regions.
AI Analysis | Feedback
- Commercial Real Estate (CRE) Loans: Providing financing for the acquisition, development, or refinancing of income-producing properties and owner-occupied commercial properties.
- Commercial and Industrial (C&I) Loans: Offering funding to businesses for operational needs, working capital, equipment purchases, and expansion.
- Small Business Administration (SBA) Loans: Facilitating government-guaranteed loans designed to help small businesses access capital for various purposes.
- Deposit Products: A comprehensive suite of checking, savings, money market, and certificate of deposit accounts for individuals and businesses to manage their funds securely.
AI Analysis | Feedback
MetroCity Bankshares (MCBS) is a community bank that primarily serves individuals and businesses within its operating regions. As such, it does not have "major customer companies" in the traditional sense, but rather serves broad categories of customers.
The up to three major categories of customers MetroCity Bankshares serves are:
- Individuals/Consumers: This category includes individuals seeking personal banking services such as checking accounts, savings accounts, money market accounts, certificates of deposit, residential mortgage loans, home equity lines of credit, and other personal loans.
- Small to Medium-sized Businesses (SMBs): MetroCity Bankshares provides a range of commercial banking products and services to local and regional small to medium-sized businesses. This includes commercial real estate loans, commercial and industrial loans (for working capital, equipment, etc.), business checking accounts, treasury management services, and lines of credit.
- Commercial Real Estate Investors and Developers: A significant portion of MetroCity Bankshares' lending activity is focused on commercial real estate. This customer category includes local and regional investors and developers involved in acquiring, developing, and managing various types of commercial properties (e.g., multi-family, retail, office, industrial).
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Nack Paek, Chairman & CEO
Nack Paek was appointed CEO of MetroCity Bankshares in January 2014. He serves as Chairman and CEO of the Company and Executive Chairman of the Bank. Mr. Paek also served as a member of the U.S. Small Business Administration Advisory Council in Georgia. He obtained his Bachelor of Science Degree from the College of Commerce, Seoul National University, and a Master's Degree in Business Administration from Northern Illinois University. He is recognized for his extensive knowledge of the business and markets, gained from his long career leading the Bank and growing its franchise.
Lucas Stewart, Executive Vice President and Chief Financial Officer
Lucas Stewart is the Executive Vice President and Chief Financial Officer of both MetroCity Bankshares and Metro City Bank. He joined the Bank in May 2019, initially serving as its Chief Accounting Officer. Before joining Metro City Bank, Mr. Stewart was Vice President and SEC and SOX Reporting Manager at Fidelity Bank in Atlanta, GA, from 2014 to 2019. Prior to that, he worked as a Director for Mauldin & Jenkins, a regional public accounting firm in Atlanta, GA, from 2004 to 2014, specializing in financial institutions. Mr. Stewart holds Bachelor's and Master's degrees in Accounting from the University of Alabama.
Farid Tan, President of the Company and Chief Executive Officer of the Bank
Farid Tan serves as the President of MetroCity Bankshares and the Chief Executive Officer of Metro City Bank. He possesses over 40 years of banking experience. Mr. Tan previously served as the Chief Financial Officer of the Company and the Bank from July 2019 to October 2021. His career includes joining the Executive Training Program for Bank Bumiputra Malaysia in 1981, where he held positions such as Senior Account Officer, Senior Internal Audit Supervisor, and Senior Foreign Exchange Dealer. He also served as President and Chief Executive Officer of Global Commerce Bank from 2002 to 2005 before becoming President and Chief Executive Officer of Metro City Bank when it opened in early 2006. Mr. Tan received a degree in accounting from Polytechnic Ungku Omar, Malaysia.
Howard Kim, Executive Vice President, Chief Lending Officer, Chief Operating Officer, and President of the Bank
Howard Kim is an Executive Vice President, Chief Lending Officer, Chief Operating Officer, and President of Metro City Bank.
Abdul Mohdnor, Executive Vice President and Chief Compliance Officer of the Bank
Abdul Mohdnor is an Executive Vice President and the Chief Compliance Officer of Metro City Bank. He has been with the Bank since its inception in 2006 and has over 20 years of experience in the banking industry. Mr. Mohdnor is responsible for the implementation and supervision of the Bank's overall compliance program.
AI Analysis | Feedback
MetroCity Bankshares (MCBS) faces several key risks to its business operations:1. Changes in Federal Reserve Monetary Policy
MetroCity Bankshares faces significant business risk due to potential shifts in Federal Reserve monetary policy. Actions by the Fed, which controls the money supply and implements policies to stabilize the economy, can directly impact MetroCity's investment returns, the effectiveness of its mortgage servicing hedges, and mortgage origination. Such changes also influence the bank's lending and investing costs, potentially harming its liquidity, operations, financial health, and capital strength. The uncertainty surrounding these policy shifts makes it difficult for MetroCity to accurately foresee and prepare for future challenges.
2. Slowing Revenue Growth and Credit Quality Concerns
The company is experiencing slowing revenue growth and an increase in non-performing loans (NPLs), which signals potential credit cycle risks and pressures on credit quality. For regional banks like MetroCity, a decline in interest rates could also lead to margin pressure.
3. Merger Execution and Integration Risks
MetroCity Bankshares' announced merger with First IC, while potentially enhancing scale, introduces uncertainty and carries inherent integration risks. Market skepticism regarding the execution of this merger has been suggested by a recent decline in the stock price.
AI Analysis | Feedback
Clear emerging threats for MetroCity Bankshares (MCBS) include:
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High concentration in Commercial Real Estate (CRE) loans: MCBS has a significant portion of its loan portfolio in commercial real estate. With rising interest rates, potential shifts in property valuations due to changing work patterns (e.g., remote work impacting office demand), and broader economic uncertainties, there is an emerging threat of increased credit risk, potential for loan defaults, and declines in collateral value. This could directly impact the bank's asset quality and profitability.
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Intensifying digital competition and deposit migration: The rapid advancement and adoption of digital-first banks, neobanks, and fintech platforms pose an emerging threat. These competitors often offer more convenient digital experiences and potentially more competitive interest rates on deposits, especially to tech-savvy customers. This could lead to deposit migration away from traditional community banks like MCBS, challenging its ability to attract and retain funding without significant investment in technology and digital services.
AI Analysis | Feedback
nullAI Analysis | Feedback
For MetroCity Bankshares (MCBS), the expected drivers of future revenue growth over the next 2-3 years include continued expansion of its loan portfolio, improvements in its net interest margin, growth in non-interest income, and the strategic merger with First IC Corporation.
- Growth in Loan Portfolio and Origination: MetroCity Bankshares anticipates continued growth in its community banking operations, with a focus on its core loan portfolio, particularly in residential real estate, commercial real estate, and SBA loans. The company has shown significant growth in its loan portfolio across various segments, reflecting strong demand for credit in its regions. In the third quarter of 2025, total loans increased by $71.6 million, reaching $3.20 billion. Furthermore, active loan origination and sales activities are indicated by the $231.3 million in loans held for sale as of September 30, 2025. This sustained focus on servicing small to medium-sized businesses and individuals, whose loans are largely concentrated in real estate, is expected to drive further revenue.
- Improvement in Net Interest Margin: The bank's ability to successfully navigate the interest rate environment has resulted in an improved net interest margin, a key contributor to its net interest income. Net interest income for the three months ended September 30, 2025, was $31.8 million, an increase from $30.3 million in the same period of 2024, demonstrating improved interest margin management. This trend of effective interest rate management is expected to continue supporting revenue growth.
- Growth in Non-Interest Income: Historically, non-interest income has contributed to MetroCity Bankshares' revenue, primarily through gains on the sale of loans and increased service charges. While the third quarter of 2025 saw a decrease in non-interest income compared to the previous year, mainly due to lower gains on loan sales, the company's active loan origination suggests a potential for continued generation of non-interest income from these activities and other service charges.
- Strategic Merger with First IC Corporation: MetroCity Bankshares is focused on completing its merger with First IC Corporation, which is expected to finalize by the end of 2025. This strategic merger is anticipated to enhance the bank's market presence and operational capabilities, thereby contributing to future revenue growth through expanded reach and synergistic opportunities.
AI Analysis | Feedback
Share Repurchases
- MetroCity Bankshares' board of directors approved the continuation of its share repurchase program, authorizing the repurchase of up to 925,250 shares of the company's common stock, effective from October 17, 2024, to September 30, 2025. This represents the remaining shares authorized under the prior plan.
- On September 1, 2023, the board adopted a new share repurchase program authorizing the company to repurchase up to 1,000,000 shares of its outstanding common stock between September 6, 2023, and September 30, 2024.
Share Issuance
- No significant share issuances were identified over the last 3-5 years based on the available information.
Inbound Investments
- No significant inbound investments by third-parties were identified over the last 3-5 years based on the available information.
Outbound Investments
- No significant outbound investments (strategic investments in other companies) were identified over the last 3-5 years based on the available information.
Capital Expenditures
- No specific dollar values for capital expenditures or expected capital expenditures were readily available in the provided search results for MetroCity Bankshares.
Latest Trefis Analyses
| Title | Topic | |
|---|---|---|
| DASHBOARDS | ||
| MetroCity Bankshares Stock Fell 11% in a Month, What Now? | Return | |
| MetroCity Bankshares (MCBS) Operating Cash Flow Comparison | Financials | |
| MetroCity Bankshares (MCBS) Net Income Comparison | Financials |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to MCBS. For more, see Trefis Trade Ideas.
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| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.5% | -1.5% | -1.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.5% | -4.5% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.1% | -11.1% | -12.1% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for MetroCity Bankshares
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 52.49 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,327 |
| FCF 3Y Avg | 7,366 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,697 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.0% |
| Rev Chg 3Y Avg | 2.4% |
| Rev Chg Q | 8.3% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Price Behavior
| Market Price | $26.83 | |
| Market Cap ($ Bil) | 0.7 | |
| First Trading Date | 07/05/2019 | |
| Distance from 52W High | -14.4% | |
| 50 Days | 200 Days | |
| DMA Price | $26.60 | $27.46 |
| DMA Trend | down | down |
| Distance from DMA | 0.9% | -2.3% |
| 3M | 1YR | |
| Volatility | 24.8% | 27.3% |
| Downside Capture | 31.36 | 94.02 |
| Upside Capture | -2.71 | 65.07 |
| Correlation (SPY) | 15.4% | 50.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.64 | 0.40 | 0.46 | 1.00 | 0.76 | 0.97 |
| Up Beta | 0.79 | 1.08 | 1.44 | 1.87 | 0.63 | 0.96 |
| Down Beta | -1.66 | 0.09 | 0.04 | 0.40 | 0.69 | 0.82 |
| Up Capture | 125% | 18% | 1% | 67% | 62% | 96% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 10 | 21 | 29 | 59 | 116 | 380 |
| Down Capture | 75% | 47% | 71% | 120% | 106% | 103% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 10 | 21 | 34 | 66 | 131 | 362 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of MCBS With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| MCBS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -14.5% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 27.3% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | -0.59 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 61.7% | 50.1% | -5.9% | 6.0% | 51.5% | 22.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of MCBS With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| MCBS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 17.1% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 32.8% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.54 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 60.0% | 46.9% | -2.0% | 6.6% | 45.2% | 21.0% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of MCBS With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| MCBS | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 2.6% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 44.1% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.23 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 55.1% | 45.7% | -0.1% | 14.1% | 47.3% | 18.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/17/2025 | 2.2% | 2.9% | 1.3% |
| 7/18/2025 | -0.1% | 1.1% | -2.9% |
| 4/18/2025 | 1.9% | 2.3% | 8.3% |
| 1/21/2025 | 2.1% | -0.2% | -1.0% |
| 10/18/2024 | -2.0% | -7.0% | 5.4% |
| 7/19/2024 | 3.3% | 7.2% | -2.3% |
| 4/19/2024 | 4.7% | 5.3% | 15.1% |
| 1/23/2024 | -3.6% | 3.1% | -2.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 15 | 12 |
| # Negative | 10 | 10 | 13 |
| Median Positive | 1.9% | 2.9% | 7.6% |
| Median Negative | -1.7% | -4.9% | -1.4% |
| Max Positive | 7.5% | 11.2% | 25.2% |
| Max Negative | -3.6% | -7.0% | -20.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11072025 | 10-Q 9/30/2025 |
| 6302025 | 8082025 | 10-Q 6/30/2025 |
| 3312025 | 5082025 | 10-Q 3/31/2025 |
| 12312024 | 3102025 | 10-K 12/31/2024 |
| 9302024 | 11082024 | 10-Q 9/30/2024 |
| 6302024 | 8072024 | 10-Q 6/30/2024 |
| 3312024 | 5072024 | 10-Q 3/31/2024 |
| 12312023 | 3112024 | 10-K 12/31/2023 |
| 9302023 | 11072023 | 10-Q 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 5082023 | 10-Q 3/31/2023 |
| 12312022 | 3102023 | 10-K 12/31/2022 |
| 9302022 | 11042022 | 10-Q 9/30/2022 |
| 6302022 | 8052022 | 10-Q 6/30/2022 |
| 3312022 | 5062022 | 10-Q 3/31/2022 |
| 12312021 | 3112022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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