MetroCity Bankshares (MCBS) Financials

$34.86 -0.24 (-0.68%)

Closing price 09/17/2026 04:00 PM Eastern

Extended Trading

$35.02 +0.16 (+0.46%)

As of 05:23 AM Eastern

Annual Income Statements for MetroCity Bankshares

This table shows MetroCity Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	97	45	36	62	63	52	65	69
Consolidated Net Income / (Loss)	41	45	36	62	63	52	65	69
Net Income / (Loss) Continuing Operations	97	45	36	62	63	52	65	69
Total Pre-Tax Income	56	61	49	83	91	72	87	93
Total Revenue	152	101	93	138	138	120	141	156
Net Interest Income / (Expense)	58	61	66	104	120	101	118	130
Total Interest Income	144	83	78	109	147	193	213	221
Loans and Leases Interest Income	70	79	76	108	143	182	201	209
Investment Securities Interest Income	73	3.29	1.43	0.89	4.33	11	12	11
Federal Funds Sold and Securities Borrowed Interest Income	0.46	0.58	0.31	0.01	0.08	0.18	0.31	0.56
Total Interest Expense	29	22	11	4.57	28	91	95	90
Deposits Interest Expense	14	22	11	3.95	24	81	80	73
Short-Term Borrowings Interest Expense	0.66	0.29	0.57	0.62	4.05	11	15	17
Total Non-Interest Income	38	40	27	34	18	18	23	25
Service Charges on Deposit Accounts	-	3.75	6.13	5.88	1.83	4.80	4.24	3.56
Other Service Charges	16	9.98	2.23	0.72	0.49	2.53	5.04	5.68
Net Realized & Unrealized Capital Gains on Investments	10	15	9.00	11	4.09	3.30	4.86	6.27
Other Non-Interest Income	11	12	9.86	16	12	7.58	8.92	9.67
Provision for Credit Losses	1.24	0.00	3.47	6.93	-2.77	-0.02	0.52	-0.32
Total Non-Interest Expense	39	40	41	48	49	48	53	63
Salaries and Employee Benefits	24	25	26	30	31	29	33	37
Net Occupancy & Equipment Expense	4.93	5.78	6.16	6.13	5.95	6.12	6.82	7.32
Marketing Expense	0.61	0.65	0.57	0.54	0.61	0.61	0.63	0.66
Other Operating Expenses	9.50	8.65	8.87	12	12	12	13	14
Restructuring Charge	-	-	-	-	-	0.00	0.00	4.73
Income Tax Expense	15	16	12	21	29	20	23	24
Basic Earnings per Share	$1.71	$1.82	$1.42	$2.41	$2.46	$2.05	$2.55	$2.66
Weighted Average Basic Shares Outstanding	-	-	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Diluted Earnings per Share	$1.69	$1.81	$1.41	$2.39	$2.44	$2.02	$2.52	$2.64
Weighted Average Diluted Shares Outstanding	-	-	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Weighted Average Basic & Diluted Shares Outstanding	-	-	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Cash Dividends to Common per Share	-	-	-	-	$0.60	$0.72	$0.83	$0.96

This table shows MetroCity Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	11	15	17	17	16	16	17	17	18	22	22
Consolidated Net Income / (Loss)	11	15	17	17	16	16	17	17	18	22	22
Net Income / (Loss) Continuing Operations	11	15	17	17	16	16	17	17	18	22	22
Total Pre-Tax Income	16	20	23	23	21	22	24	24	23	30	31
Total Revenue	31	33	36	37	35	36	38	38	44	51	50
Net Interest Income / (Expense)	26	27	31	30	30	31	32	32	36	44	44
Total Interest Income	51	52	54	54	53	53	54	54	60	71	70
Loans and Leases Interest Income	47	50	51	50	50	50	51	51	57	67	67
Investment Securities Interest Income	3.27	2.21	3.55	3.42	2.66	2.13	2.97	2.88	2.79	3.73	2.97
Federal Funds Sold and Securities Borrowed Interest Income	0.04	0.03	0.03	0.08	0.16	0.14	0.14	0.14	0.13	0.12	0.12
Total Interest Expense	25	25	23	24	23	22	22	22	24	27	26
Deposits Interest Expense	22	22	20	20	19	18	17	18	20	22	22
Short-Term Borrowings Interest Expense	2.86	3.17	3.66	3.94	3.94	3.99	4.38	4.41	4.71	4.43	4.22
Total Non-Interest Income	4.71	5.57	5.56	6.62	5.32	5.46	5.73	6.18	7.82	6.36	5.76
Service Charges on Deposit Accounts	1.32	1.50	0.56	1.23	0.96	0.91	0.64	1.20	0.80	1.91	0.73
Other Service Charges	0.80	0.74	1.72	1.33	1.25	1.39	1.74	1.32	1.23	0.98	1.11
Net Realized & Unrealized Capital Gains on Investments	0.03	1.27	1.18	1.61	0.80	1.06	1.22	0.72	3.27	1.05	1.54
Other Non-Interest Income	2.55	2.06	2.11	2.45	2.31	2.10	2.13	2.93	2.52	2.43	2.39
Provision for Credit Losses	0.78	-0.14	-0.13	0.58	0.20	0.14	0.13	-0.54	-0.04	-0.81	-0.79
Total Non-Interest Expense	14	12	13	14	14	14	14	15	21	21	20
Salaries and Employee Benefits	8.97	7.37	8.05	8.51	9.28	8.49	8.55	8.95	11	12	11
Net Occupancy & Equipment Expense	1.67	1.65	1.69	1.74	1.74	1.76	1.71	1.80	2.05	3.12	2.86
Marketing Expense	0.16	0.17	0.16	0.15	0.16	0.17	0.15	0.16	0.18	0.22	0.18
Other Operating Expenses	3.12	3.17	3.14	3.26	3.15	3.12	3.37	3.76	3.04	4.92	5.30
Restructuring Charge	-	-	-	-	-	0.26	0.33	-	-	1.68	0.27
Income Tax Expense	4.79	5.80	6.43	5.96	4.62	5.78	6.84	6.57	4.97	7.91	8.50
Basic Earnings per Share	$0.45	$0.58	$0.67	$0.66	$0.64	$0.64	$0.66	$0.68	$0.68	$0.78	$0.77
Weighted Average Basic Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M
Diluted Earnings per Share	$0.44	$0.57	$0.66	$0.65	$0.64	$0.63	$0.65	$0.67	$0.69	$0.77	$0.76
Weighted Average Diluted Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M
Weighted Average Basic & Diluted Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M

This table details how cash moves in and out of MetroCity Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	43	138	-126	291	-262	-35	105	134
Net Cash From Operating Activities	-161	32	143	65	135	82	64	38
Net Cash From Continuing Operating Activities	-161	32	143	65	135	82	64	38
Net Income / (Loss) Continuing Operations	41	45	36	62	63	52	65	69
Consolidated Net Income / (Loss)	41	45	36	62	63	52	65	69
Provision For Loan Losses	1.24	0.00	3.47	6.93	-2.77	-0.02	0.52	-0.32
Depreciation Expense	0.90	2.72	2.93	2.81	3.88	2.69	2.96	3.51
Non-Cash Adjustments to Reconcile Net Income	-215	-27	90	2.69	97	1.26	-0.79	-2.51
Changes in Operating Assets and Liabilities, net	10	12	9.57	-8.69	-26	27	-3.69	-32
Net Cash From Investing Activities	109	-18	-478	-931	-652	-110	5.87	127
Net Cash From Continuing Investing Activities	109	-18	-478	-931	-652	-110	5.87	127
Purchase of Property, Leasehold Improvements and Equipment	-2.86	-1.10	-0.54	-0.38	-2.35	-4.93	-1.29	-0.67
Purchase of Investment Securities	0.00	-2.68	-21	-45	-5.79	-0.35	-2.41	-10
Divestitures	-	-	-	-	-	0.00	0.00	9.15
Sale and/or Maturity of Investments	7.91	3.30	18	-9.72	2.93	5.38	191	319
Other Investing Activities, net	-	-	-474	-876	-647	-110	-182	-190
Net Cash From Financing Activities	94	124	210	1,156	255	-6.51	36	-31
Net Cash From Continuing Financing Activities	94	124	210	1,156	255	-6.51	36	-31
Net Change in Deposits	224	63	173	783	404	64	5.86	-52
Issuance of Debt	-	150	70	640	525	425	450	100
Repayment of Debt	-121	-91	-23	-250	-650	-475	-400	-50
Repurchase of Common Equity	0.00	-1.49	0.00	-5.54	-8.20	-2.02	-0.01	-2.73
Payment of Dividends	-9.29	-10	-10	-12	-15	-18	-21	-25
Other Financing Activities, Net	-	-	-	-	0.00	0.00	0.90	-1.39
Cash Interest Paid	14	23	12	4.59	25	90	95	91
Cash Income Taxes Paid	10	12	15	24	34	18	22	22

This table details how cash moves in and out of MetroCity Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	-137	114	69	-37	-41	35	0.96	-59	157	3.93	-121
Net Cash From Operating Activities	-8.30	36	19	-11	19	12	14	16	-5.14	46	25
Net Cash From Continuing Operating Activities	-8.30	36	19	-11	19	12	14	16	-5.14	46	25
Net Income / (Loss) Continuing Operations	11	15	17	17	16	16	17	17	18	22	22
Consolidated Net Income / (Loss)	11	15	17	17	16	16	17	17	18	22	22
Provision For Loan Losses	0.78	-0.14	-0.13	0.58	0.20	0.14	0.13	-0.54	-0.04	-0.81	-0.79
Depreciation Expense	0.73	0.75	0.72	0.73	0.76	0.83	0.85	0.97	0.86	0.69	-1.48
Non-Cash Adjustments to Reconcile Net Income	1.14	-0.29	-1.30	-4.95	5.41	0.58	1.20	0.10	-4.38	9.63	-2.60
Changes in Operating Assets and Liabilities, net	-22	21	3.13	-25	-3.33	-5.93	-4.56	-1.32	-20	14	7.65
Net Cash From Investing Activities	-136	-25	98	2.73	-69	-20	40	-72	179	74	50
Net Cash From Continuing Investing Activities	-136	-25	98	2.73	-69	-20	40	-72	179	74	50
Purchase of Investment Securities	0.35	-1.22	-1.19	-	2.41	-11	-	-	-	4.81	0.91
Sale and/or Maturity of Investments	-0.02	23	112	55	-1.15	42	57	19	201	20	0.67
Other Investing Activities, net	-135	-46	-13	-52	-70	-52	-17	-90	-31	49	48
Net Cash From Financing Activities	7.10	103	-48	-28	8.75	43	-53	-3.28	-17	-116	-196
Net Cash From Continuing Financing Activities	7.10	103	-48	-28	8.75	43	-53	-3.28	-17	-116	-196
Net Change in Deposits	12	83	-68	-23	14	0.23	-48	3.59	-8.06	-19	-137
Repayment of Debt	-150	-50	-350	-	-	0.00	-50	-	-	-85	-50
Payment of Dividends	-4.54	-5.04	-5.04	-5.14	-5.83	-5.84	-5.84	-6.87	-6.29	-7.20	-8.36
Cash Interest Paid	24	26	23	23	23	22	22	22	25	27	29
Cash Income Taxes Paid	4.21	0.23	9.44	6.89	4.95	1.06	11	6.20	3.12	0.56	2.77

This table presents MetroCity Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,433	1,632	1,897	3,106	3,427	3,503	3,594	4,768
Cash and Due from Banks	130	270	141	433	151	142	236	371
Federal Funds Sold	8.16	5.92	9.94	8.82	29	2.65	14	13
Trading Account Securities	34	31	18	37	48	61	49	72
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	1,194	1,240	1,620	2,488	0.00	22	0.00	9.74
Premises and Equipment, Net	14	14	14	13	14	18	18	30
Goodwill	-	-	-	-	-	-	0.00	56
Intangible Assets	-	-	-	-	-	-	0.00	13
Other Assets	52	70	95	126	3,175	3,257	3,276	4,204
Total Liabilities & Shareholders' Equity	1,433	1,632	1,897	3,106	3,427	3,503	3,594	4,768
Total Liabilities	1,264	1,415	1,653	2,816	3,078	3,121	3,173	4,224
Non-Interest Bearing Deposits	299	292	463	592	612	512	536	781
Interest Bearing Deposits	945	1,015	1,017	1,671	2,055	2,219	2,201	2,865
Accrued Interest Payable	1.25	0.89	0.22	0.20	2.74	4.13	3.50	11
Long-Term Debt	0.00	60	110	500	375	325	375	510
Other Long-Term Liabilities	14	44	62	52	33	61	57	57
Total Equity & Noncontrolling Interests	169	217	245	290	349	382	421	544
Total Preferred & Common Equity	169	217	245	290	349	382	421	544
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	169	217	245	290	349	382	421	544
Common Stock	40	54	56	52	46	46	49	140
Retained Earnings	129	163	189	239	286	315	359	403
Accumulated Other Comprehensive Income / (Loss)	-0.10	-0.00	0.20	-0.17	18	20	13	1.67

This table presents MetroCity Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Total Assets	3,419	3,475	3,511	3,647	3,615	3,569	3,660	3,616	3,629	4,688	4,520
Cash and Due from Banks	216	251	279	254	325	279	272	274	214	374	254
Federal Funds Sold	7.90	12	2.95	4.51	2.83	12	13	12	13	14	12
Trading Account Securities	54	58	64	67	64	48	33	46	43	50	49
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	2,993	-	-	73	0.00	4.60	35	4.99	231	0.00	1.35
Premises and Equipment, Net	15	16	17	18	18	18	18	18	18	30	30
Goodwill	-	-	-	-	-	-	-	-	-	56	56
Intangible Assets	-	-	-	-	-	-	-	-	-	12	12
Other Assets	133	3,128	3,137	3,231	3,205	3,208	3,271	3,261	3,110	4,153	4,105
Total Liabilities & Shareholders' Equity	3,419	3,475	3,511	3,647	3,615	3,569	3,660	3,616	3,629	4,688	4,520
Total Liabilities	3,066	3,102	3,126	3,251	3,208	3,162	3,232	3,180	3,184	4,134	3,952
Non-Interest Bearing Deposits	577	575	560	547	564	552	540	549	544	799	783
Interest Bearing Deposits	2,067	2,123	2,159	2,267	2,182	2,171	2,197	2,141	2,149	2,827	2,706
Accrued Interest Payable	3.68	3.86	3.92	3.06	3.48	3.59	3.49	3.44	3.57	10	7.54
Long-Term Debt	375	325	325	350	375	375	425	425	425	425	375
Other Long-Term Liabilities	43	74	79	84	84	60	66	62	62	72	80
Total Equity & Noncontrolling Interests	353	373	385	397	407	407	428	436	446	554	568
Total Preferred & Common Equity	353	373	385	397	407	407	428	436	446	554	568
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	353	373	385	397	407	407	428	436	446	554	568
Common Stock	45	46	46	46	47	48	50	50	51	136	136
Retained Earnings	293	302	309	325	337	348	369	380	391	418	432
Accumulated Other Comprehensive Income / (Loss)	15	26	30	25	24	11	8.96	5.59	3.51	0.59	-0.08

This table displays calculated financial ratios and metrics derived from MetroCity Bankshares' official financial filings.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	25,480,661.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	25,480,661.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	2.69
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	-33.59%	-7.47%	47.71%	-0.09%	-13.10%	17.99%	10.21%
EBITDA Growth	0.00%	-43.70%	-18.70%	65.26%	11.31%	-21.49%	20.92%	6.57%
EBIT Growth	0.00%	-45.67%	-19.89%	69.43%	10.41%	-21.10%	21.32%	6.16%
NOPAT Growth	0.00%	8.19%	-18.61%	69.54%	1.46%	-17.55%	24.98%	6.24%
Net Income Growth	0.00%	8.19%	-18.61%	69.54%	1.46%	-17.55%	24.98%	6.24%
EPS Growth	0.00%	7.10%	-22.10%	69.50%	2.09%	-17.21%	24.75%	4.76%
Operating Cash Flow Growth	0.00%	120.00%	342.74%	-54.10%	105.85%	-39.05%	-22.65%	-40.63%
Free Cash Flow Firm Growth	0.00%	0.00%	37.26%	-856.48%	134.38%	-45.58%	-136.24%	-647.27%
Invested Capital Growth	0.00%	61.89%	26.96%	122.53%	-8.33%	-2.52%	12.72%	32.38%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	74.14%	-4.83%	0.99%	3.33%	5.68%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	207.87%	-3.64%	-4.94%	5.55%	2.51%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	232.62%	-4.37%	-4.51%	5.71%	2.50%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	14.88%	-10.40%	2.31%	8.20%	2.86%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	14.88%	-10.40%	2.31%	8.20%	2.86%
EPS Q/Q Growth	0.00%	0.00%	0.00%	14.35%	-10.29%	2.54%	8.62%	1.93%
Operating Cash Flow Q/Q Growth	0.00%	203.47%	161.34%	2.59%	-12.62%	0.75%	76.75%	-39.30%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	264.84%	7.28%	-96.91%	-757.53%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	37.12%	0.05%	-0.45%	1.81%	21.05%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	74.36%	63.04%	55.39%	61.97%	69.04%	62.38%	63.93%	61.82%
EBIT Margin	73.76%	60.34%	52.25%	59.93%	66.23%	60.14%	61.83%	59.56%
Profit (Net Income) Margin	27.21%	44.33%	38.99%	44.76%	45.45%	43.12%	45.68%	44.03%
Tax Burden Percent	73.81%	73.47%	74.63%	74.68%	68.63%	71.71%	73.88%	73.93%
Interest Burden Percent	49.98%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	26.19%	26.53%	25.37%	25.32%	31.37%	28.29%	26.12%	26.07%
Return on Invested Capital (ROIC)	23.91%	19.76%	11.46%	10.77%	8.26%	7.21%	8.58%	7.41%
ROIC Less NNEP Spread (ROIC-NNEP)	23.91%	19.76%	11.46%	10.77%	8.26%	7.21%	8.58%	7.41%
Return on Net Nonoperating Assets (RNNOA)	0.60%	3.45%	4.31%	12.30%	11.31%	6.91%	7.48%	6.79%
Return on Equity (ROE)	24.51%	23.21%	15.77%	23.06%	19.57%	14.12%	16.07%	14.20%
Cash Return on Invested Capital (CROIC)	0.00%	-27.51%	-12.30%	-65.21%	16.95%	9.77%	-3.37%	-20.46%
Operating Return on Assets (OROA)	7.82%	3.97%	2.76%	3.30%	2.79%	2.08%	2.46%	2.22%
Return on Assets (ROA)	2.89%	2.92%	2.06%	2.47%	1.92%	1.49%	1.82%	1.64%
Return on Common Equity (ROCE)	24.51%	23.21%	15.77%	23.06%	19.57%	14.12%	16.07%	14.20%
Return on Equity Simple (ROE_SIMPLE)	24.51%	20.63%	14.86%	21.26%	17.92%	13.53%	15.31%	12.59%
Net Operating Profit after Tax (NOPAT)	41	45	36	62	63	52	65	69
NOPAT Margin	27.21%	44.33%	38.99%	44.76%	45.45%	43.12%	45.68%	44.03%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	19.17%	31.08%	34.53%	26.68%	26.91%	30.11%	28.79%	28.69%
Operating Expenses to Revenue	25.42%	39.66%	44.04%	35.04%	35.78%	39.88%	37.80%	40.65%
Earnings before Interest and Taxes (EBIT)	112	61	49	83	91	72	87	93
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	113	64	52	85	95	75	90	96
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.16	1.79	1.35	2.21	1.45	1.53	1.91	1.23
Price to Tangible Book Value (P/TBV)	0.16	1.79	1.35	2.21	1.45	1.53	1.91	1.41
Price to Revenue (P/Rev)	0.17	3.85	3.54	4.66	3.69	4.87	5.69	4.31
Price to Earnings (P/E)	0.27	8.68	9.09	10.41	8.11	11.30	12.46	9.78
Dividend Yield	0.00%	0.72%	3.11%	1.82%	2.99%	3.11%	2.62%	3.65%
Earnings Yield	371.97%	11.53%	11.01%	9.61%	12.33%	8.85%	8.03%	10.22%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.62	0.82	0.89	0.97	1.08	1.17	0.76
Enterprise Value to Revenue (EV/Rev)	0.00	1.73	3.11	5.09	5.11	6.38	6.58	5.12
Enterprise Value to EBITDA (EV/EBITDA)	0.00	2.75	5.62	8.21	7.40	10.22	10.29	8.28
Enterprise Value to EBIT (EV/EBIT)	0.00	2.87	5.96	8.49	7.71	10.61	10.64	8.60
Enterprise Value to NOPAT (EV/NOPAT)	0.00	3.91	7.98	11.37	11.24	14.79	14.40	11.63
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	5.42	2.04	10.72	5.22	9.30	14.62	21.14
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	5.48	10.92	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	0.03	0.29	0.45	1.72	1.07	0.85	0.89	0.94
Long-Term Debt to Equity	0.00	0.28	0.45	1.72	1.07	0.85	0.89	0.94
Financial Leverage	0.03	0.17	0.38	1.14	1.37	0.96	0.87	0.92
Leverage Ratio	8.50	7.95	7.65	9.35	10.21	9.48	8.84	8.66
Compound Leverage Factor	4.25	7.95	7.65	9.35	10.21	9.48	8.84	8.66
Debt to Total Capital	2.46%	22.56%	31.09%	63.29%	51.79%	46.00%	47.09%	48.38%
Short-Term Debt to Total Capital	2.46%	1.12%	0.14%	0.00%	0.05%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	21.44%	30.96%	63.29%	51.74%	46.00%	47.09%	48.38%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	97.54%	77.44%	68.91%	36.71%	48.21%	54.00%	52.91%	51.62%
Debt to EBITDA	0.04	0.99	2.14	5.86	3.95	4.35	4.15	5.30
Net Debt to EBITDA	-1.19	-3.35	-0.78	0.69	2.06	2.41	1.39	1.31
Long-Term Debt to EBITDA	0.00	0.94	2.13	5.86	3.94	4.35	4.15	5.30
Debt to NOPAT	0.10	1.41	3.04	8.11	6.00	6.30	5.81	7.44
Net Debt to NOPAT	-3.25	-4.77	-1.10	0.96	3.13	3.49	1.94	1.84
Long-Term Debt to NOPAT	0.00	1.34	3.02	8.11	5.99	6.30	5.81	7.44
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-62	-39	-374	128	70	-25	-189
Operating Cash Flow to CapEx	0.00%	170.24%	26,547.11%	17,039.84%	5,721.92%	1,664.96%	4,937.87%	5,593.77%
Free Cash Flow to Firm to Interest Expense	0.00	-2.80	-3.40	-81.73	4.65	0.77	-0.27	-2.09
Operating Cash Flow to Interest Expense	-5.49	1.45	12.41	14.31	4.88	0.90	0.67	0.42
Operating Cash Flow Less CapEx to Interest Expense	-2.03	0.60	12.36	14.23	4.79	0.84	0.66	0.41
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.11	0.07	0.05	0.06	0.04	0.03	0.04	0.04
Fixed Asset Turnover	10.55	6.99	6.59	10.24	10.08	7.39	7.76	6.46
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	173	280	355	791	725	707	796	1,054
Invested Capital Turnover	0.88	0.45	0.29	0.24	0.18	0.17	0.19	0.17
Increase / (Decrease) in Invested Capital	0.00	107	75	435	-66	-18	90	258
Enterprise Value (EV)	-108	175	290	701	704	763	929	797
Market Capitalization	26	388	331	642	508	583	803	671
Book Value per Share	$86.96	$8.49	$9.54	$11.40	$13.81	$15.14	$16.63	$21.36
Tangible Book Value per Share	$86.96	$8.49	$9.54	$11.40	$13.81	$15.14	$16.63	$18.66
Total Capital	173	280	355	791	725	707	796	1,054
Total Debt	4.26	63	110	500	375	325	375	510
Total Long-Term Debt	0.00	60	110	500	375	325	375	510
Net Debt	-134	-213	-40	59	196	180	125	126
Capital Expenditures (CapEx)	-101	19	0.54	0.38	2.35	4.93	1.29	0.67
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4.26	63	110	500	375	325	375	510
Total Depreciation and Amortization (D&A)	0.90	2.72	2.93	2.81	3.88	2.69	2.96	3.51
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$1.42	$2.41	$2.46	$2.05	$2.55	$2.66
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$1.41	$2.39	$2.44	$2.02	$2.52	$2.64
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	25.67M	25.47M	25.14M	25.21M	25.40M	28.76M
Normalized Net Operating Profit after Tax (NOPAT)	41	45	36	62	63	52	65	72
Normalized NOPAT Margin	27.21%	44.33%	38.99%	44.76%	45.45%	43.12%	45.68%	46.28%
Pre Tax Income Margin	36.87%	60.34%	52.25%	59.93%	66.23%	60.14%	61.83%	59.56%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.82	2.74	4.24	18.07	3.30	0.79	0.92	1.03
NOPAT to Interest Expense	1.41	2.01	3.17	13.50	2.27	0.57	0.68	0.76
EBIT Less CapEx to Interest Expense	7.28	1.89	4.20	17.99	3.22	0.73	0.91	1.02
NOPAT Less CapEx to Interest Expense	4.87	1.16	3.12	13.41	2.18	0.51	0.67	0.75
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	22.48%	23.18%	28.26%	19.11%	24.42%	35.26%	32.64%	36.25%
Augmented Payout Ratio	22.48%	26.50%	28.26%	28.10%	37.51%	39.18%	32.65%	40.23%

This table displays calculated financial ratios and metrics derived from MetroCity Bankshares' official financial filings.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	25,480,661.00	28,755,228.00	28,660,042.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	25,480,661.00	28,755,228.00	28,660,042.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	0.71	0.78	0.77
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	3.97%	0.85%	22.29%	37.65%	14.75%	10.28%	4.52%	2.89%	23.63%	41.19%	31.35%
EBITDA Growth	-18.70%	-4.90%	25.75%	42.93%	28.16%	8.14%	1.79%	6.08%	10.90%	34.91%	18.91%
EBIT Growth	-17.39%	-5.28%	25.54%	44.79%	29.22%	8.05%	1.29%	5.19%	10.82%	36.89%	29.41%
NOPAT Growth	11.46%	-6.99%	29.21%	46.14%	43.08%	11.39%	-0.66%	3.41%	11.73%	36.92%	31.53%
Net Income Growth	11.46%	-6.99%	29.21%	46.14%	43.08%	11.39%	-0.66%	3.41%	11.73%	36.92%	31.53%
EPS Growth	12.82%	-8.06%	29.41%	44.44%	45.45%	10.53%	-1.52%	3.08%	7.81%	22.22%	16.92%
Operating Cash Flow Growth	6.86%	42.40%	-58.98%	-165.03%	332.12%	-67.24%	-25.36%	243.42%	-126.67%	284.60%	72.42%
Free Cash Flow Firm Growth	-61.02%	83.37%	-612.37%	-313.32%	-348.29%	-2,384.63%	7.03%	-28.06%	-225.66%	-15.33%	3.91%
Invested Capital Growth	-2.52%	2.51%	11.98%	10.21%	12.72%	14.25%	10.08%	11.34%	32.38%	14.79%	9.49%
Revenue Q/Q Growth	15.01%	6.75%	11.08%	1.75%	-4.13%	1.78%	5.28%	0.16%	15.20%	16.24%	-2.06%
EBITDA Q/Q Growth	3.06%	25.62%	13.71%	-2.91%	-7.59%	5.99%	7.03%	1.18%	-3.39%	28.94%	-5.66%
EBIT Q/Q Growth	3.10%	26.62%	14.36%	-3.02%	-7.98%	5.86%	7.22%	0.72%	-3.06%	30.76%	1.36%
NOPAT Q/Q Growth	-0.71%	28.94%	15.76%	-1.39%	-2.79%	0.38%	3.25%	2.64%	5.03%	23.02%	-0.82%
Net Income Q/Q Growth	-0.71%	28.94%	15.76%	-1.39%	-2.79%	0.38%	3.25%	2.64%	5.03%	23.02%	-0.82%
EPS Q/Q Growth	-2.22%	29.55%	15.79%	-1.52%	-1.54%	-1.56%	3.17%	3.08%	2.99%	11.59%	-1.30%
Operating Cash Flow Q/Q Growth	-146.99%	537.95%	-46.75%	-159.35%	267.72%	-38.19%	21.32%	14.03%	-131.19%	991.42%	-45.61%
Free Cash Flow Firm Q/Q Growth	13.36%	-112.23%	-1,741.13%	16.42%	-31.95%	-22.37%	31.11%	-15.13%	-235.55%	56.66%	42.60%
Invested Capital Q/Q Growth	-0.45%	5.67%	4.77%	-0.01%	1.81%	7.11%	0.95%	1.14%	21.05%	-7.12%	-3.71%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	54.69%	64.88%	66.41%	63.38%	61.09%	63.62%	64.68%	65.34%	54.80%	60.78%	58.55%
EBIT Margin	52.34%	62.57%	64.42%	61.41%	58.94%	61.31%	62.43%	62.78%	52.83%	59.43%	61.51%
Profit (Net Income) Margin	36.80%	44.81%	46.70%	45.26%	45.89%	45.26%	44.38%	45.48%	41.47%	43.89%	44.44%
Tax Burden Percent	70.32%	71.61%	72.48%	73.70%	77.85%	73.82%	71.09%	72.44%	78.49%	73.84%	72.25%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	29.68%	28.39%	27.52%	26.30%	22.15%	26.18%	28.91%	27.56%	21.51%	26.16%	27.75%
Return on Invested Capital (ROIC)	6.15%	7.29%	7.98%	8.29%	8.62%	8.18%	7.90%	8.10%	6.98%	8.17%	8.99%
ROIC Less NNEP Spread (ROIC-NNEP)	6.15%	7.29%	7.98%	8.29%	8.62%	8.18%	7.90%	8.10%	6.98%	8.17%	8.99%
Return on Net Nonoperating Assets (RNNOA)	5.90%	7.05%	7.16%	7.33%	7.52%	7.69%	7.49%	7.60%	6.39%	7.07%	7.16%
Return on Equity (ROE)	12.05%	14.34%	15.15%	15.62%	16.14%	15.87%	15.39%	15.70%	13.37%	15.24%	16.14%
Cash Return on Invested Capital (CROIC)	9.77%	4.37%	-3.96%	-1.72%	-3.37%	-5.03%	-1.56%	-2.67%	-20.46%	-5.64%	-0.21%
Operating Return on Assets (OROA)	1.81%	2.12%	2.30%	2.37%	2.35%	2.43%	2.52%	2.57%	1.97%	2.43%	2.76%
Return on Assets (ROA)	1.27%	1.52%	1.67%	1.75%	1.83%	1.79%	1.79%	1.86%	1.54%	1.79%	1.99%
Return on Common Equity (ROCE)	12.05%	14.34%	15.15%	15.62%	16.14%	15.87%	15.39%	15.70%	13.37%	15.24%	16.14%
Return on Equity Simple (ROE_SIMPLE)	0.00%	12.74%	13.34%	14.64%	0.00%	15.46%	15.15%	14.94%	0.00%	13.45%	14.06%
Net Operating Profit after Tax (NOPAT)	11	15	17	17	16	16	17	17	18	22	22
NOPAT Margin	36.80%	44.81%	46.70%	45.26%	45.89%	45.26%	44.38%	45.48%	41.47%	43.89%	44.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	35.03%	28.14%	27.27%	28.18%	31.59%	28.94%	27.46%	28.75%	29.49%	29.19%	28.89%
Operating Expenses to Revenue	45.13%	37.86%	35.93%	37.02%	40.49%	38.32%	37.23%	38.65%	47.26%	42.16%	40.08%
Earnings before Interest and Taxes (EBIT)	16	20	23	23	21	22	24	24	23	30	31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	17	21	24	23	22	23	25	25	24	31	29
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.53	1.56	1.62	1.89	1.91	1.62	1.65	1.57	1.23	1.47	1.80
Price to Tangible Book Value (P/TBV)	1.53	1.56	1.62	1.89	1.91	1.62	1.65	1.57	1.41	1.68	2.04
Price to Revenue (P/Rev)	4.87	5.17	5.22	5.63	5.69	4.80	4.92	4.76	4.31	4.79	5.60
Price to Earnings (P/E)	11.30	12.27	12.17	12.91	12.46	10.50	10.90	10.51	9.78	10.96	12.78
Dividend Yield	3.11%	3.01%	2.90%	2.57%	2.62%	3.15%	3.14%	3.43%	3.65%	3.45%	2.92%
Earnings Yield	8.85%	8.15%	8.22%	7.74%	8.03%	9.53%	9.18%	9.51%	10.22%	9.12%	7.83%
Enterprise Value to Invested Capital (EV/IC)	1.08	0.95	0.91	1.09	1.17	0.98	1.00	1.03	0.76	0.87	1.20
Enterprise Value to Revenue (EV/Rev)	6.38	5.93	5.60	6.25	6.58	5.77	5.87	6.10	5.12	5.01	6.19
Enterprise Value to EBITDA (EV/EBITDA)	10.22	9.67	9.02	9.98	10.29	9.07	9.29	9.57	8.28	8.20	10.37
Enterprise Value to EBIT (EV/EBIT)	10.61	10.04	9.37	10.33	10.64	9.38	9.62	9.93	8.60	8.47	10.47
Enterprise Value to NOPAT (EV/NOPAT)	14.79	14.08	13.04	14.32	14.40	12.61	13.00	13.48	11.63	11.46	14.13
Enterprise Value to Operating Cash Flow (EV/OCF)	9.30	7.65	10.88	23.76	14.62	21.37	25.15	14.46	21.14	11.94	13.75
Enterprise Value to Free Cash Flow (EV/FCFF)	10.92	22.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.85	0.88	0.92	0.92	0.89	0.99	0.97	0.95	0.94	0.77	0.66
Long-Term Debt to Equity	0.85	0.88	0.92	0.92	0.89	0.99	0.97	0.95	0.94	0.77	0.66
Financial Leverage	0.96	0.97	0.90	0.88	0.87	0.94	0.95	0.94	0.92	0.87	0.80
Leverage Ratio	9.48	9.43	9.09	8.94	8.84	8.86	8.57	8.44	8.66	8.50	8.10
Compound Leverage Factor	9.48	9.43	9.09	8.94	8.84	8.86	8.57	8.44	8.66	8.50	8.10
Debt to Total Capital	46.00%	46.88%	47.94%	47.94%	47.09%	49.83%	49.36%	48.80%	48.38%	43.40%	39.77%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	46.00%	46.88%	47.94%	47.94%	47.09%	49.83%	49.36%	48.80%	48.38%	43.40%	39.77%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	54.00%	53.12%	52.06%	52.06%	52.91%	50.17%	50.64%	51.20%	51.62%	56.60%	60.23%
Debt to EBITDA	4.35	4.76	4.78	4.38	4.15	4.62	4.60	4.53	5.30	4.08	3.45
Net Debt to EBITDA	2.41	1.24	0.60	0.98	1.39	1.52	1.50	2.11	1.31	0.36	1.00
Long-Term Debt to EBITDA	4.35	4.76	4.78	4.38	4.15	4.62	4.60	4.53	5.30	4.08	3.45
Debt to NOPAT	6.30	6.93	6.90	6.29	5.81	6.42	6.43	6.38	7.44	5.70	4.70
Net Debt to NOPAT	3.49	1.80	0.87	1.41	1.94	2.11	2.10	2.97	1.84	0.50	1.36
Long-Term Debt to NOPAT	6.30	6.93	6.90	6.29	5.81	6.42	6.43	6.38	7.44	5.70	4.70
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	30	-3.63	-67	-56	-74	-90	-62	-71	-240	-104	-60
Operating Cash Flow to CapEx	-880.38%	14,962.55%	5,469.21%	-4,103.57%	4,711.74%	17,015.71%	12,246.61%	6,313.79%	-2,284.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	1.21	-0.14	-2.85	-2.37	-3.26	-4.10	-2.84	-3.22	-9.85	-3.92	-2.26
Operating Cash Flow to Interest Expense	-0.34	1.44	0.83	-0.49	0.85	0.54	0.66	0.74	-0.21	1.73	0.95
Operating Cash Flow Less CapEx to Interest Expense	-0.38	1.43	0.81	-0.50	0.84	0.54	0.66	0.73	-0.22	1.73	0.95
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	7.39	7.22	7.33	7.67	7.76	8.00	8.12	8.18	6.46	7.15	7.68
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	707	747	782	782	796	853	861	871	1,054	979	943
Invested Capital Turnover	0.17	0.16	0.17	0.18	0.19	0.18	0.18	0.18	0.17	0.19	0.20
Increase / (Decrease) in Invested Capital	-18	18	84	72	90	106	79	89	258	126	82
Enterprise Value (EV)	763	711	708	854	929	835	859	898	797	855	1,129
Market Capitalization	583	620	661	770	803	695	720	700	671	817	1,020
Book Value per Share	$15.14	$15.73	$16.16	$16.07	$16.63	$16.85	$17.17	$17.46	$21.36	$19.27	$19.81
Tangible Book Value per Share	$15.14	$15.73	$16.16	$16.07	$16.63	$16.85	$17.17	$17.46	$18.66	$16.89	$17.44
Total Capital	707	747	782	782	796	853	861	871	1,054	979	943
Total Debt	325	350	375	375	375	425	425	425	510	425	375
Total Long-Term Debt	325	350	375	375	375	425	425	425	510	425	375
Net Debt	180	91	47	84	125	140	139	198	126	37	108
Capital Expenditures (CapEx)	0.94	0.24	0.35	0.28	0.41	0.07	0.12	0.26	0.23	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	325	350	375	375	375	425	425	425	510	425	375
Total Depreciation and Amortization (D&A)	0.73	0.75	0.72	0.73	0.76	0.83	0.85	0.97	0.86	0.69	-1.48
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.45	$0.58	$0.67	$0.66	$0.64	$0.64	$0.66	$0.68	$0.68	$0.78	$0.77
Adjusted Weighted Average Basic Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M
Adjusted Diluted Earnings per Share	$0.44	$0.57	$0.66	$0.65	$0.64	$0.63	$0.65	$0.67	$0.69	$0.77	$0.76
Adjusted Weighted Average Diluted Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	25.21M	25.21M	25.33M	25.33M	25.40M	25.40M	25.54M	25.48M	28.76M	28.66M	28.78M
Normalized Net Operating Profit after Tax (NOPAT)	11	15	17	17	16	16	17	17	18	24	22
Normalized NOPAT Margin	36.80%	44.81%	46.70%	45.26%	45.89%	45.26%	44.38%	45.48%	41.47%	46.32%	44.84%
Pre Tax Income Margin	52.34%	62.57%	64.42%	61.41%	58.94%	61.31%	62.43%	62.78%	52.83%	59.43%	61.51%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.66	0.81	1.00	0.96	0.92	1.01	1.08	1.07	0.95	1.14	1.16
NOPAT to Interest Expense	0.46	0.58	0.72	0.71	0.72	0.74	0.77	0.78	0.75	0.84	0.84
EBIT Less CapEx to Interest Expense	0.62	0.80	0.98	0.95	0.91	1.00	1.08	1.06	0.94	1.14	1.16
NOPAT Less CapEx to Interest Expense	0.42	0.57	0.71	0.70	0.70	0.74	0.76	0.77	0.74	0.84	0.84
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	35.26%	37.05%	35.38%	33.15%	32.64%	33.03%	34.29%	36.60%	36.25%	35.15%	35.96%
Augmented Payout Ratio	39.18%	39.95%	38.10%	34.35%	32.65%	33.03%	34.34%	36.65%	40.23%	44.77%	44.90%

Financials Breakdown Chart

Key Financial Trends

MetroCity Bankshares’ latest results show a generally stronger earnings profile than in 2022 and 2023, although second-quarter funding pressure and weaker liquidity are important risks. The company reported $22.1 million of net income in Q2 2026, or $0.76 diluted EPS, compared with $16.8 million and $0.65 diluted EPS in Q2 2025. However, earnings edged down from $22.3 million, or $0.77 diluted EPS, in Q1 2026.

Net interest income has expanded substantially. Q2 2026 net interest income was $44.0 million, up from $32.2 million in Q2 2025 and $29.8 million in Q3 2022. This reflects significant growth in loan interest income over the period.
Quarterly profitability remains well above historical levels. Net income increased from $10.2 million in Q4 2022 to $22.1 million in Q2 2026. Diluted EPS also improved from $0.39 to $0.76 over the comparable periods.
Revenue growth is outpacing credit-loss provisions. Q2 2026 revenue reached $49.8 million, compared with $37.9 million in Q2 2025. The $792,000 credit-loss provision represented a relatively small share of revenue, despite being higher than the $129,000 provision recorded in Q2 2025.
Shareholder capital has strengthened over the longer term. Total common equity rose to $567.9 million in Q2 2026 from $349.0 million in Q3 2022. Retained earnings increased to $431.5 million from $279.5 million during the same period.
Interest-rate spreads remain favorable compared with earlier periods. The gap between total interest income and interest expense produced $44.0 million of net interest income in Q2 2026, versus $24.2 million in Q3 2022, supporting higher pretax income and EPS.
Operating cash flow remains positive but volatile. Q2 2026 operating cash flow was $24.9 million, down from $45.8 million in Q1 2026 but above the $14.5 million recorded in Q2 2025. Cash generation is being affected by changes in operating assets and liabilities.
Investment activity generated significant cash in recent quarters. Investing cash flow was positive $49.8 million in Q2 2026 and $74.1 million in Q1 2026, largely due to other investing activities. This may improve liquidity, but the size and volatility of these entries make the trend difficult to treat as recurring operating strength.
Deposit outflows created meaningful funding pressure. Deposits declined by approximately $137.3 million during Q2 2026, following a $19.3 million decline in Q1. Interest-bearing deposits fell from $2.83 billion at March 31, 2026, to $2.71 billion at June 30.
Cash balances declined sharply in the latest quarter. Cash and due from banks fell from $374.0 million in Q1 2026 to $254.4 million in Q2. Financing activities consumed $195.7 million, including deposit withdrawals, $50 million of debt repayment and $8.4 million of dividends, causing total cash and equivalents to fall by $120.9 million.
Non-interest expenses are rising. Q2 2026 non-interest expense was $20.0 million, up from $14.1 million in Q2 2025 and $11.5 million in Q3 2022. Salaries and employee benefits rose to $11.3 million, while occupancy and equipment costs were $2.9 million, potentially limiting future operating leverage.

Overall, MCBS has delivered meaningful multi-year growth in net interest income, earnings and book equity. The near-term picture is less uniform: Q2 earnings softened slightly sequentially, deposits contracted, and cash declined materially. Investors should also note that the supplied balance sheets report net loans and leases at zero while placing most assets in “other assets,” an unusual presentation that limits detailed analysis of loan growth and asset quality from these figures alone.

09/18/26 07:07 AM ETAI Generated. May Contain Errors.

MetroCity Bankshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, MetroCity Bankshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

MetroCity Bankshares' net income appears to be on an upward trend, with a most recent value of $68.53 million in 2025, rising from $41.33 million in 2018. The previous period was $64.50 million in 2024. Find out what analysts predict for MetroCity Bankshares in the coming months.

Over the last 7 years, MetroCity Bankshares' total revenue changed from $151.89 million in 2018 to $155.63 million in 2025, a change of 2.5%.

MetroCity Bankshares' total liabilities were at $4.22 billion at the end of 2025, a 33.1% increase from 2024, and a 234.2% increase since 2018.

In the past 7 years, MetroCity Bankshares' cash and equivalents has ranged from $130.26 million in 2018 to $432.52 million in 2021, and is currently $370.83 million as of their latest financial filing in 2025.

Over the last 7 years, MetroCity Bankshares' book value per share changed from 86.96 in 2018 to 21.36 in 2025, a change of -75.4%.

Related Companies

Financial statements for NASDAQ:MCBS last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

From Our Partners

Unlock superior investment research and tools.

Get MarketBeat All Access

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

MetroCity Bankshares (MCBS) Financials

Financials Breakdown Chart

Key Financial Trends

MetroCity Bankshares Financials - Frequently Asked Questions

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

MetroCity Bankshares (MCBS) Financials

Annual Income Statements for MetroCity Bankshares

Quarterly Income Statements for MetroCity Bankshares

Annual Cash Flow Statements for MetroCity Bankshares

Quarterly Cash Flow Statements for MetroCity Bankshares

Annual Balance Sheets for MetroCity Bankshares

Quarterly Balance Sheets for MetroCity Bankshares

Annual Metrics And Ratios for MetroCity Bankshares

Quarterly Metrics And Ratios for MetroCity Bankshares

Financials Breakdown Chart

Key Financial Trends

MetroCity Bankshares Financials - Frequently Asked Questions

When does MetroCity Bankshares' fiscal year end?

How has MetroCity Bankshares' net income changed over the last 7 years?

How has MetroCity Bankshares' revenue changed over the last 7 years?

How much debt does MetroCity Bankshares have?

How much cash does MetroCity Bankshares have?

How has MetroCity Bankshares' book value per share changed over the last 7 years?

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools