Is MetroCity Bankshares, Inc. (MCBS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 61.5% | |
| Net Margin | 44.0% | |
| Return on Equity (ROE) | 14.2% | |
| Return on Assets (ROA) | 1.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $38M |
| Free Cash Flow | $37M |
| Total Debt | $525M |
| Total Assets | $4.8B |
Price & Trading
| Last Close | $28.49 |
| 50-Day MA | $28.46 |
| 200-Day MA | $27.95 |
| Avg Volume | 83K |
| Beta | 0.7 |
|
52-Week Range
$24.24
| |
About MetroCity Bankshares, Inc. (MCBS)
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.
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Frequently Asked Questions
Is MetroCity Bankshares, Inc. (MCBS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), MetroCity Bankshares, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is MetroCity Bankshares, Inc.'s debt ratio?
MetroCity Bankshares, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are MetroCity Bankshares, Inc.'s key financial metrics?
MetroCity Bankshares, Inc. has a market capitalization of $813M, trailing P/E ratio of 10.7, and revenue of $153M. Return on equity stands at 14.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.