MetroCity Bankshares (NASDAQ:MCBS) and GrandSouth Bancorporation (OTCMKTS:GRRB) Financial Comparison

MetroCity Bankshares (NASDAQ:MCBS) and GrandSouth Bancorporation (OTCMKTS:GRRB) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, profitability and earnings.

Valuation and Earnings

This table compares MetroCity Bankshares and GrandSouth Bancorporation”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MetroCity Bankshares	$235.98 million	2.87	$64.50 million	$2.58	10.26
GrandSouth Bancorporation	N/A	N/A	N/A	N/A	N/A

MetroCity Bankshares has higher revenue and earnings than GrandSouth Bancorporation.

Analyst Recommendations

This is a summary of recent recommendations and price targets for MetroCity Bankshares and GrandSouth Bancorporation, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MetroCity Bankshares	0	2	0	0	2.00
GrandSouth Bancorporation	0	0	0	0	0.00

MetroCity Bankshares presently has a consensus price target of $31.00, indicating a potential upside of 17.07%. Given MetroCity Bankshares’ stronger consensus rating and higher possible upside, equities research analysts plainly believe MetroCity Bankshares is more favorable than GrandSouth Bancorporation.

Profitability

This table compares MetroCity Bankshares and GrandSouth Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
MetroCity Bankshares	28.25%	15.55%	1.84%
GrandSouth Bancorporation	N/A	N/A	N/A

Insider and Institutional Ownership

25.3% of MetroCity Bankshares shares are owned by institutional investors. 27.5% of MetroCity Bankshares shares are owned by company insiders. Comparatively, 33.3% of GrandSouth Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

MetroCity Bankshares beats GrandSouth Bancorporation on 7 of the 8 factors compared between the two stocks.

About MetroCity Bankshares

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that engages in the provision of banking products and services in the United States. It offers customary banking services, such as consumer and commercial checking accounts, savings, and money market accounts, as well as certificates of deposit. The company also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; letters of credit; and commercial and industrial loans, residential mortgage loans, and SBA loans. In addition, it 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 telephone banking services. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including wire transfer, 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. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

About GrandSouth Bancorporation

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.