MetroCity Bankshares vs Hingham Institution for Savings

MetroCity Bankshares (METROCITY BANKSHARES INC) and Hingham Institution for Savings (HINGHAM INSTITUTION FOR SVGS) are compared on this page. It examines their business models, financial performance, and market context in a neutral, accessible way. The aim is to present facts and context without speculation or advice. Educational content, not financial advice.

MetroCity Bankshares (METROCITY BANKSHARES INC) and Hingham Institution for Savings (HINGHAM INSTITUTION FOR SVGS) are compared on this page. It examines their business models, financial performance, ...

Comparison Snapshot

Key Financial Metrics

MCBS

Metric

HIFS

$780.40M

Market Cap

$638.54M

8.85%

Potential Profit

N/A

Hold

Analyst Rating

N/A

Investment Analysis

MetroCity Bankshares

MCBS

Pros

MetroCity Bankshares reported a strong revenue growth of 17.54% in 2024, reaching $140.69 million, with net income rising nearly 25%.
The company maintains a solid net interest margin of 3.67% and a low efficiency ratio of 38.3%, signalling operational efficiency.
MetroCity announced an upcoming merger with First IC, expected to significantly increase assets to about $4.8 billion, expanding its market presence.

Considerations

The stock's 52-week price range shows notable volatility, currently trading near its lower bound, indicating uncertainty in market valuation.
Approximately 24.3% of deposits are uninsured, which could present liquidity risks under economic stress scenarios.
Although profitable, MetroCity's dividend yield is moderate at about 3.07%, which may be less attractive for income-focused investors.

Hingham Institution for Savings

HIFS

Pros

Hingham Institution for Savings has a stable business model focused on residential and commercial real estate lending with a long history since 1834.
The bank shows a reasonable price-to-book ratio of 1.2x, suggesting a fair valuation relative to its book value.
It offers a diversified product suite including various deposit accounts and loans, serving individuals and small businesses in multiple regions.

Considerations

Hingham’s return on assets and equity are relatively low compared to peers, indicating less efficient profitability.
The stock trades at a higher P/E ratio of 13.67, above many sector averages, which may imply stretched valuation.
Lacks recent analyst price targets or coverage, limiting visibility into future growth prospects and investor sentiment.

About The Companies

MetroCity Bankshares (MCBS)

MetroCity Bankshares Inc (MCBS) is a regional bank holding company with a market capitalisation of around $669.09 million. It operates through community banking subsidiaries that provide deposit products, commercial and consumer lending, mortgage services and basic treasury solutions. Key drivers for the business are net interest margin, loan growth, deposit stability and fee income; capital strength and asset quality are important indicators to watch. As a regional lender, MCBS is sensitive to local economic conditions, credit cycles and interest-rate movements, which can influence earnings and provisions. Investors should balance potential income and growth from banking operations with risks including loan losses, regulatory changes and competition from larger banks or fintechs. This summary is educational and not investment advice — returns are not guaranteed and values can fall as well as rise. Consider your own risk tolerance and, where appropriate, seek independent financial advice before investing.

Hingham Institution for Savings (HIFS)

Hingham Institution for Savings (HIFS) is a Massachusetts‑based mutual holding company operating as a community bank that provides residential mortgages, commercial lending and deposit services to individuals and small businesses. With a market capitalisation around $633m, it sits in the small‑cap regional bank segment and relies on a local deposit franchise and a loan book concentrated in its New England footprint. Investors should note HIFS’s sensitivity to interest‑rate movements (which affect net interest margin and loan demand), credit quality in a regional economy, and competition for deposits. The company has historically emphasised conservative underwriting and steady dividend payments, but earnings can fluctuate with rate cycles and loan growth. This summary is educational and not personal investment advice; past performance is not a reliable indicator of future results. Suitability depends on your financial goals, risk tolerance and time horizon — consult a licensed adviser for tailored guidance.

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Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.

Published: September 12, 2025

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Comparison Snapshot