Horizon Bancorp, Inc. (HBNC) vs MetroCity Bankshares, Inc. (MCBS)
A side-by-side comparison of Horizon Bancorp, Inc. and MetroCity Bankshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — HBNC vs MCBS
growth of $100 · dividends reinvested · last 10yHBNC vs MCBS: by the numbers
- •MCBS is the larger company ($1.00B vs $991M market cap).
- •MCBS is profitable (30.49% net margin) while HBNC runs a net loss (-150.89%).
- •MCBS grew revenue faster over the past five years (17.83% vs -17.66% CAGR).
- •HBNC pays the higher dividend yield (3.33% vs 3.07%).
Metrics side by side
Valuation
| Metric | HBNC | MCBS |
|---|---|---|
| P/E ratio | N/A | 12.13 |
| Forward P/E | 9.08 | 10.75 |
| PEG ratio | N/A | 0.91 |
| P/S ratio | 10.39 | 3.82 |
| P/B ratio | 1.37 | 1.76 |
Profitability
| Metric | HBNC | MCBS |
|---|---|---|
| Operating margin | -197.96% | 36.55% |
| Net margin | -150.89% | 30.49% |
| ROE | -19.83% | 14.09% |
Horizon Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
MetroCity Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | HBNC | MCBS |
|---|---|---|
| Dividend yield | 3.33% | 3.07% |
| Payout ratio | N/A | 37.50% |
Growth (annualized)
| Metric | HBNC | MCBS |
|---|---|---|
| Revenue CAGR (5Y) | -17.66% | 17.83% |
| EPS CAGR (5Y) | N/A | 13.46% |
| Total return CAGR (5Y) | 5.42% | 14.17% |
Frequently asked
- Which has grown faster, HBNC or MCBS?
- Over the past five years, MCBS grew revenue faster — HBNC at a -17.66% CAGR versus MCBS at 17.83%.
- Does HBNC or MCBS pay a bigger dividend?
- HBNC yields 3.33% and MCBS yields 3.07% based on trailing dividends and the latest price.
- Is HBNC or MCBS more profitable?
- MCBS runs the higher net margin — HBNC at -150.89% versus MCBS at 30.49%.
- How have HBNC and MCBS total returns compared?
- Over the past 5 years, HBNC delivered 5.42% and MCBS delivered 14.17% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Horizon Bancorp & MetroCity Bankshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.