Free Trial
→ A grave, grave error. (From Porter & Company) (Ad) Buy MCBS Stock  Free MCBS Stock Alerts

MetroCity Bankshares (MCBS) Financials

MetroCity Bankshares logo
$28.06 -0.08 (-0.28%)
Closing price 04:00 PM Eastern
Extended Trading
$27.94 -0.11 (-0.41%)
As of 06:23 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for MetroCity Bankshares

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 65 52 63
Consolidated Net Income / (Loss)		 65 52 63
Net Income / (Loss) Continuing Operations		 65 52 63
Total Pre-Tax Income 		87 72 91
Total Revenue		 141 120 138
Net Interest Income / (Expense)		 118 101 120
Total Interest Income		 213 193 147
Loans and Leases Interest Income		 201 182 143
Investment Securities Interest Income		 12 11 4.33
Federal Funds Sold and Securities Borrowed Interest Income		 0.31 0.18 0.08
Total Interest Expense		 95 91 28
Deposits Interest Expense		 80 81 24
Short-Term Borrowings Interest Expense		 15 11 4.05
Total Non-Interest Income		 23 18 18
Service Charges on Deposit Accounts		 4.24 4.80 1.83
Other Service Charges		 5.04 2.53 0.49
Net Realized & Unrealized Capital Gains on Investments		 4.86 3.30 4.09
Other Non-Interest Income		 8.92 7.58 12
Provision for Credit Losses		 0.52 -0.02 -2.77
Total Non-Interest Expense		 53 48 49
Salaries and Employee Benefits		 33 29 31
Net Occupancy & Equipment Expense		 6.82 6.12 5.95
Marketing Expense		 0.63 0.61 0.61
Other Operating Expenses		 13 12 12
Income Tax Expense		 23 20 29
Basic Earnings per Share		 $2.55 $2.05 $2.46
Weighted Average Basic Shares Outstanding		 25.40M 25.21M 25.14M
Diluted Earnings per Share		 $2.52 $2.02 $2.44
Weighted Average Diluted Shares Outstanding		 25.40M 25.21M 25.14M
Weighted Average Basic & Diluted Shares Outstanding		 25.40M 25.21M 25.14M
Cash Dividends to Common per Share		 $0.83 $0.72 $0.60

Quarterly Income Statements for MetroCity Bankshares

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

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 16 16 17 17 15 11 11 13 16 10 17
Consolidated Net Income / (Loss)		 16 16 17 17 15 11 11 13 16 10 17
Net Income / (Loss) Continuing Operations		 16 16 17 17 15 11 11 13 16 10 17
Total Pre-Tax Income 		22 21 23 23 20 16 16 19 22 20 24
Total Revenue		 36 35 37 36 33 31 27 30 32 30 35
Net Interest Income / (Expense)		 31 30 30 31 27 26 24 25 26 29 30
Total Interest Income		 53 53 54 54 52 51 49 47 46 44 38
Loans and Leases Interest Income		 50 50 50 51 50 47 46 45 44 42 37
Investment Securities Interest Income		 2.13 2.66 3.42 3.55 2.21 3.27 2.98 2.58 1.94 2.12 1.01
Federal Funds Sold and Securities Borrowed Interest Income		 0.14 0.16 0.08 0.03 0.03 0.04 0.04 0.06 0.04 0.05 0.02
Total Interest Expense		 22 23 24 23 25 25 25 23 20 15 8.51
Deposits Interest Expense		 18 19 20 20 22 22 22 20 17 13 6.96
Short-Term Borrowings Interest Expense		 3.99 3.94 3.94 3.66 3.17 2.86 2.82 2.71 2.36 1.92 1.55
Total Non-Interest Income		 5.46 5.32 6.62 5.56 5.57 4.71 2.66 4.69 6.14 0.71 5.10
Service Charges on Deposit Accounts		 0.91 0.96 1.23 0.56 1.50 1.32 0.27 1.39 1.81 -0.07 1.33
Other Service Charges		 1.39 1.25 1.33 1.72 0.74 0.80 0.18 0.52 1.04 -0.95 0.09
Net Realized & Unrealized Capital Gains on Investments		 1.06 0.80 1.61 1.18 1.27 0.03 0.24 1.05 1.97 - 0.50
Other Non-Interest Income		 2.10 2.31 2.45 2.11 2.06 2.55 1.97 1.73 1.32 1.73 3.19
Provision for Credit Losses		 0.14 0.20 0.58 -0.13 -0.14 0.78 -0.38 -0.42 0.00 -1.17 -1.70
Total Non-Interest Expense		 14 14 14 13 12 14 12 11 11 11 13
Salaries and Employee Benefits		 8.49 9.28 8.51 8.05 7.37 8.97 6.86 7.10 6.37 7.72 7.76
Net Occupancy & Equipment Expense		 1.76 1.74 1.74 1.69 1.65 1.67 1.57 1.39 1.49 1.55 1.44
Marketing Expense		 0.17 0.16 0.15 0.16 0.17 0.16 0.14 0.17 0.15 0.17 0.16
Other Operating Expenses		 3.38 3.15 3.26 3.14 3.17 3.12 2.96 2.80 2.81 1.85 3.34
Income Tax Expense		 5.78 4.62 5.96 6.43 5.80 4.79 4.22 5.51 5.84 9.35 7.01
Basic Earnings per Share		 $0.64 $0.64 $0.66 $0.67 $0.58 $0.45 $0.45 $0.52 $0.63 $0.41 $0.66
Weighted Average Basic Shares Outstanding		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
Diluted Earnings per Share		 $0.63 $0.64 $0.65 $0.66 $0.57 $0.44 $0.45 $0.51 $0.62 $0.39 $0.66
Weighted Average Diluted Shares Outstanding		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
Weighted Average Basic & Diluted Shares Outstanding		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
Cash Dividends to Common per Share		 $0.23 - $0.20 $0.20 $0.20 - $0.18 $0.18 $0.18 - $0.15

Annual Cash Flow Statements for MetroCity Bankshares

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 105 -35 -262
Net Cash From Operating Activities		 64 82 135
Net Cash From Continuing Operating Activities		 64 82 135
Net Income / (Loss) Continuing Operations		 65 52 63
Consolidated Net Income / (Loss)		 65 52 63
Provision For Loan Losses		 0.52 -0.02 -2.77
Depreciation Expense		 2.96 2.69 3.88
Non-Cash Adjustments to Reconcile Net Income		 -0.79 1.26 97
Changes in Operating Assets and Liabilities, net		 -3.69 27 -26
Net Cash From Investing Activities		 5.87 -110 -652
Net Cash From Continuing Investing Activities		 5.87 -110 -652
Purchase of Property, Leasehold Improvements and Equipment		 -1.29 -4.93 -2.35
Purchase of Investment Securities		 0.00 0.00 -5.79
Sale and/or Maturity of Investments		 189 5.03 2.93
Other Investing Activities, net		 -182 -110 -647
Net Cash From Financing Activities		 36 -6.51 255
Net Cash From Continuing Financing Activities		 36 -6.51 255
Net Change in Deposits		 5.86 64 404
Issuance of Debt		 450 425 525
Repayment of Debt		 -400 -475 -650
Repurchase of Common Equity		 -0.01 -2.02 -8.20
Payment of Dividends		 -21 -18 -15
Other Financing Activities, Net		 0.90 0.00 0.00
Cash Interest Paid		 95 90 25
Cash Income Taxes Paid		 22 18 34

Quarterly Cash Flow Statements for MetroCity Bankshares

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 35 -41 -37 69 114 -137 19 39 45 -0.24 -43
Net Cash From Operating Activities		 12 19 -11 19 36 -8.30 18 47 26 -8.91 -2.11
Net Cash From Continuing Operating Activities		 12 19 -11 19 36 -8.30 18 47 26 -8.91 -2.11
Net Income / (Loss) Continuing Operations		 16 16 17 17 15 11 11 13 16 10 17
Consolidated Net Income / (Loss)		 16 16 17 17 15 11 11 13 16 10 17
Provision For Loan Losses		 0.14 0.20 0.58 -0.13 -0.14 0.78 -0.38 -0.42 0.00 -1.17 -1.70
Depreciation Expense		 0.83 0.76 0.73 0.72 0.75 0.73 0.71 0.54 0.71 1.21 1.25
Non-Cash Adjustments to Reconcile Net Income		 0.58 5.41 -4.95 -1.30 0.05 1.14 -0.62 0.79 -0.04 -1.55 1.70
Changes in Operating Assets and Liabilities, net		 -5.93 -3.33 -25 3.13 21 -22 6.53 33 9.14 -18 -20
Net Cash From Investing Activities		 -20 -69 2.73 98 -25 -136 -13 -8.40 47 -79 -210
Net Cash From Continuing Investing Activities		 -20 -69 2.73 98 -25 -136 -13 -8.40 47 -79 -210
Purchase of Property, Leasehold Improvements and Equipment		 -0.07 -0.41 -0.28 -0.35 -0.24 -0.94 -1.36 -1.47 -1.16 -0.93 -1.09
Purchase of Investment Securities		 -10 2.41 - -1.19 -1.22 0.35 -2.31 2.13 -0.17 -1.87 4.08
Sale and/or Maturity of Investments		 42 -1.15 55 112 23 -0.02 0.21 0.31 4.53 0.89 -3.58
Other Investing Activities, net		 -52 -70 -52 -13 -46 -135 -9.23 -9.37 44 -77 -209
Net Cash From Financing Activities		 43 8.75 -28 -48 103 7.10 14 -0.14 -28 88 168
Net Cash From Continuing Financing Activities		 43 8.75 -28 -48 103 7.10 14 -0.14 -28 88 168
Net Change in Deposits		 0.23 14 -23 -68 83 12 20 54 -23 96 174
Issuance of Debt		 50 - - 375 75 150 - 150 125 50 100
Repayment of Debt		 0.00 - - -350 -50 -150 -0.39 -200 -125 -50 -100
Payment of Dividends		 -5.84 -5.83 -5.14 -5.04 -5.04 -4.54 -4.61 -4.53 -4.53 -3.80 -3.85
Other Financing Activities, Net		 -1.12 - - - - - - - - - -
Cash Interest Paid		 22 23 23 23 26 24 24 22 19 14 7.72
Cash Income Taxes Paid		 1.06 4.95 6.89 9.44 0.23 4.21 6.29 6.79 0.69 11 8.98

Annual Balance Sheets for MetroCity Bankshares

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 3,594 3,503 3,427
Cash and Due from Banks		 236 142 151
Federal Funds Sold		 14 2.65 29
Trading Account Securities		 39 61 48
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Loans Held for Sale		 0.00 22 0.00
Premises and Equipment, Net		 18 18 14
Other Assets		 3,276 3,257 3,175
Total Liabilities & Shareholders' Equity		 3,594 3,503 3,427
Total Liabilities		 3,173 3,121 3,078
Non-Interest Bearing Deposits		 536 512 612
Interest Bearing Deposits		 2,201 2,219 2,055
Accrued Interest Payable		 3.50 4.13 2.74
Long-Term Debt		 375 325 375
Other Long-Term Liabilities		 57 61 33
Total Equity & Noncontrolling Interests		 421 382 349
Total Preferred & Common Equity		 421 382 349
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 421 382 349
Common Stock		 49 46 46
Retained Earnings		 359 315 286
Accumulated Other Comprehensive Income / (Loss)		 13 20 18

Quarterly Balance Sheets for MetroCity Bankshares

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 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 3,660 3,569 3,615 3,647 3,511 3,475 3,419 3,348
Cash and Due from Banks		 272 279 325 254 279 251 216 164
Federal Funds Sold		 13 12 2.83 4.51 2.95 12 7.90 16
Trading Account Securities		 33 48 64 67 64 58 54 20
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		 35 4.60 0.00 73 - - 2,993 2,963
Premises and Equipment, Net		 18 18 18 18 17 16 15 14
Other Assets		 3,271 3,208 3,205 3,231 3,137 3,128 133 161
Total Liabilities & Shareholders' Equity		 3,660 3,569 3,615 3,647 3,511 3,475 3,419 3,348
Total Liabilities		 3,232 3,162 3,208 3,251 3,126 3,102 3,066 2,999
Non-Interest Bearing Deposits		 540 552 564 547 560 575 577 602
Interest Bearing Deposits		 2,197 2,171 2,182 2,267 2,159 2,123 2,067 1,969
Accrued Interest Payable		 3.49 3.59 3.48 3.06 3.92 3.86 3.68 1.49
Long-Term Debt		 425 375 375 350 325 325 375 375
Other Long-Term Liabilities		 66 60 84 84 79 74 43 52
Total Equity & Noncontrolling Interests		 428 407 407 397 385 373 353 349
Total Preferred & Common Equity		 428 407 407 397 385 373 353 349
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 428 407 407 397 385 373 353 349
Common Stock		 50 48 47 46 46 46 45 49
Retained Earnings		 369 348 337 325 309 302 293 279
Accumulated Other Comprehensive Income / (Loss)		 8.96 11 24 25 30 26 15 20

Annual Metrics And Ratios for MetroCity Bankshares

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

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 17.99% -13.10% -0.09%
EBITDA Growth		 20.92% -21.49% 11.31%
EBIT Growth		 21.32% -21.10% 10.41%
NOPAT Growth		 24.98% -17.55% 1.46%
Net Income Growth		 24.98% -17.55% 1.46%
EPS Growth		 24.75% -17.21% 2.09%
Operating Cash Flow Growth		 -22.65% -39.05% 105.85%
Free Cash Flow Firm Growth		 -136.24% -45.58% 134.38%
Invested Capital Growth		 12.72% -2.52% -8.33%
Revenue Q/Q Growth		 3.33% 0.99% -4.83%
EBITDA Q/Q Growth		 5.55% -4.94% -3.64%
EBIT Q/Q Growth		 5.71% -4.51% -4.37%
NOPAT Q/Q Growth		 8.20% 2.31% -10.40%
Net Income Q/Q Growth		 8.20% 2.31% -10.40%
EPS Q/Q Growth		 8.62% 2.54% -10.29%
Operating Cash Flow Q/Q Growth		 76.75% 0.75% -12.62%
Free Cash Flow Firm Q/Q Growth		 -96.91% 7.28% 264.84%
Invested Capital Q/Q Growth		 1.81% -0.45% 0.05%
Profitability Metrics		 - - -
EBITDA Margin		 63.93% 62.38% 69.04%
EBIT Margin		 61.83% 60.14% 66.23%
Profit (Net Income) Margin		 45.68% 43.12% 45.45%
Tax Burden Percent		 73.88% 71.71% 68.63%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.12% 28.29% 31.37%
Return on Invested Capital (ROIC)		 8.58% 7.21% 8.26%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.58% 7.21% 8.26%
Return on Net Nonoperating Assets (RNNOA)		 7.48% 6.91% 11.31%
Return on Equity (ROE)		 16.07% 14.12% 19.57%
Cash Return on Invested Capital (CROIC)		 -3.37% 9.77% 16.95%
Operating Return on Assets (OROA)		 2.46% 2.08% 2.79%
Return on Assets (ROA)		 1.82% 1.49% 1.92%
Return on Common Equity (ROCE)		 16.07% 14.12% 19.57%
Return on Equity Simple (ROE_SIMPLE)		 15.31% 13.53% 17.92%
Net Operating Profit after Tax (NOPAT)		 65 52 63
NOPAT Margin		 45.68% 43.12% 45.45%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 28.79% 30.11% 26.91%
Operating Expenses to Revenue		 37.80% 39.88% 35.78%
Earnings before Interest and Taxes (EBIT)		 87 72 91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 90 75 95
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.91 1.53 1.45
Price to Tangible Book Value (P/TBV)		 1.91 1.53 1.45
Price to Revenue (P/Rev)		 5.69 4.87 3.69
Price to Earnings (P/E)		 12.46 11.30 8.11
Dividend Yield		 2.62% 3.11% 2.99%
Earnings Yield		 8.03% 8.85% 12.33%
Enterprise Value to Invested Capital (EV/IC)		 1.17 1.08 0.97
Enterprise Value to Revenue (EV/Rev)		 6.58 6.38 5.11
Enterprise Value to EBITDA (EV/EBITDA)		 10.29 10.22 7.40
Enterprise Value to EBIT (EV/EBIT)		 10.64 10.61 7.71
Enterprise Value to NOPAT (EV/NOPAT)		 14.40 14.79 11.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.62 9.30 5.22
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 10.92 5.48
Leverage & Solvency		 - - -
Debt to Equity		 0.89 0.85 1.07
Long-Term Debt to Equity		 0.89 0.85 1.07
Financial Leverage		 0.87 0.96 1.37
Leverage Ratio		 8.84 9.48 10.21
Compound Leverage Factor		 8.84 9.48 10.21
Debt to Total Capital		 47.09% 46.00% 51.79%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.05%
Long-Term Debt to Total Capital		 47.09% 46.00% 51.74%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.91% 54.00% 48.21%
Debt to EBITDA		 4.15 4.35 3.95
Net Debt to EBITDA		 1.39 2.41 2.06
Long-Term Debt to EBITDA		 4.15 4.35 3.94
Debt to NOPAT		 5.81 6.30 6.00
Net Debt to NOPAT		 1.94 3.49 3.13
Long-Term Debt to NOPAT		 5.81 6.30 5.99
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -25 70 128
Operating Cash Flow to CapEx		 4,937.87% 1,664.96% 5,721.92%
Free Cash Flow to Firm to Interest Expense		 -0.27 0.77 4.65
Operating Cash Flow to Interest Expense		 0.67 0.90 4.88
Operating Cash Flow Less CapEx to Interest Expense		 0.66 0.84 4.79
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.03 0.04
Fixed Asset Turnover		 7.76 7.39 10.08
Capital & Investment Metrics		 - - -
Invested Capital		 796 707 725
Invested Capital Turnover		 0.19 0.17 0.18
Increase / (Decrease) in Invested Capital		 90 -18 -66
Enterprise Value (EV)		 929 763 704
Market Capitalization		 803 583 508
Book Value per Share		 $16.63 $15.14 $13.81
Tangible Book Value per Share		 $16.63 $15.14 $13.81
Total Capital		 796 707 725
Total Debt		 375 325 375
Total Long-Term Debt		 375 325 375
Net Debt		 125 180 196
Capital Expenditures (CapEx)		 1.29 4.93 2.35
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 375 325 375
Total Depreciation and Amortization (D&A)		 2.96 2.69 3.88
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.55 $2.05 $2.46
Adjusted Weighted Average Basic Shares Outstanding		 25.40M 25.21M 25.14M
Adjusted Diluted Earnings per Share		 $2.52 $2.02 $2.44
Adjusted Weighted Average Diluted Shares Outstanding		 25.40M 25.21M 25.14M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 25.40M 25.21M 25.14M
Normalized Net Operating Profit after Tax (NOPAT)		 65 52 63
Normalized NOPAT Margin		 45.68% 43.12% 45.45%
Pre Tax Income Margin		 61.83% 60.14% 66.23%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.92 0.79 3.30
NOPAT to Interest Expense		 0.68 0.57 2.27
EBIT Less CapEx to Interest Expense		 0.91 0.73 3.22
NOPAT Less CapEx to Interest Expense		 0.67 0.51 2.18
Payout Ratios		 - - -
Dividend Payout Ratio		 32.64% 35.26% 24.42%
Augmented Payout Ratio		 32.65% 39.18% 37.51%

Quarterly Metrics And Ratios for MetroCity Bankshares

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

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.28% 14.75% 37.65% 22.29% 0.85% 3.97% -23.15% -14.95% -15.48% -19.06% -7.99%
EBITDA Growth		 8.14% 28.16% 42.93% 25.75% -4.90% -18.70% -34.95% -14.70% -16.69% -14.76% 9.61%
EBIT Growth		 8.05% 29.22% 44.79% 25.54% -5.28% -17.39% -34.52% -14.44% -17.12% -17.58% 7.54%
NOPAT Growth		 11.39% 43.08% 46.14% 29.21% -6.99% 11.46% -32.35% -18.58% -19.04% -41.65% 0.07%
Net Income Growth		 11.39% 43.08% 46.14% 29.21% -6.99% 11.46% -32.35% -18.58% -19.04% -41.65% 0.07%
EPS Growth		 10.53% 45.45% 44.44% 29.41% -8.06% 12.82% -31.82% -19.05% -18.42% -41.79% 0.00%
Operating Cash Flow Growth		 -67.24% 332.12% -165.03% -58.98% 42.40% 6.86% 936.95% -8.00% -72.96% -184.56% -147.61%
Free Cash Flow Firm Growth		 -2,384.63% -348.29% -313.32% -612.37% 83.37% -61.02% 119.97% 105.99% 93.50% 118.20% 41.07%
Invested Capital Growth		 14.25% 12.72% 10.21% 11.98% 2.51% -2.52% -2.03% 0.01% 5.43% -8.33% 25.63%
Revenue Q/Q Growth		 1.78% -4.13% 1.75% 11.08% 6.75% 15.01% -9.61% -8.39% 9.17% -14.99% 0.05%
EBITDA Q/Q Growth		 5.99% -7.59% -2.91% 13.71% 25.62% 3.06% -14.58% -14.00% 7.39% -17.53% 12.00%
EBIT Q/Q Growth		 5.86% -7.98% -3.02% 14.36% 26.62% 3.10% -15.91% -13.71% 10.43% -18.29% 9.88%
NOPAT Q/Q Growth		 0.38% -2.79% -1.39% 15.76% 28.94% -0.71% -12.82% -16.67% 54.52% -39.74% 4.93%
Net Income Q/Q Growth		 0.38% -2.79% -1.39% 15.76% 28.94% -0.71% -12.82% -16.67% 54.52% -39.74% 4.93%
EPS Q/Q Growth		 -1.56% -1.54% -1.52% 15.79% 29.55% -2.22% -11.76% -17.74% 58.97% -40.91% 4.76%
Operating Cash Flow Q/Q Growth		 -38.19% 267.72% -159.35% -46.75% 537.95% -146.99% -62.57% 84.86% 386.47% -322.22% -104.11%
Free Cash Flow Firm Q/Q Growth		 -22.37% -31.95% 16.42% -1,741.13% -112.23% 13.36% 100.74% 159.74% -128.67% 158.09% 39.85%
Invested Capital Q/Q Growth		 7.11% 1.81% -0.01% 4.77% 5.67% -0.45% 1.60% -4.09% 0.49% 0.05% 3.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 63.62% 61.09% 63.38% 66.41% 64.88% 54.69% 61.03% 64.59% 68.80% 69.94% 72.09%
EBIT Margin		 61.31% 58.94% 61.41% 64.42% 62.57% 52.34% 58.38% 62.75% 66.62% 65.86% 68.51%
Profit (Net Income) Margin		 45.26% 45.89% 45.26% 46.70% 44.81% 36.80% 42.62% 44.19% 48.58% 34.32% 48.42%
Tax Burden Percent		 73.82% 77.85% 73.70% 72.48% 71.61% 70.32% 73.01% 70.42% 72.93% 52.12% 70.67%
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		 26.18% 22.15% 26.30% 27.52% 28.39% 29.68% 26.99% 29.58% 27.07% 47.88% 29.33%
Return on Invested Capital (ROIC)		 8.18% 8.62% 8.29% 7.98% 7.29% 6.15% 7.04% 8.01% 9.02% 6.24% 10.77%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.18% 8.62% 8.29% 7.98% 7.29% 6.15% 7.04% 8.01% 9.02% 6.24% 10.77%
Return on Net Nonoperating Assets (RNNOA)		 7.69% 7.52% 7.33% 7.16% 7.05% 5.90% 6.72% 8.06% 10.28% 8.54% 11.64%
Return on Equity (ROE)		 15.87% 16.14% 15.62% 15.15% 14.34% 12.05% 13.77% 16.07% 19.31% 14.78% 22.42%
Cash Return on Invested Capital (CROIC)		 -5.03% -3.37% -1.72% -3.96% 4.37% 9.77% 9.09% 7.99% 3.01% 16.95% -11.98%
Operating Return on Assets (OROA)		 2.43% 2.35% 2.37% 2.30% 2.12% 1.81% 2.02% 2.39% 2.68% 2.78% 3.25%
Return on Assets (ROA)		 1.79% 1.83% 1.75% 1.67% 1.52% 1.27% 1.47% 1.68% 1.95% 1.45% 2.30%
Return on Common Equity (ROCE)		 15.87% 16.14% 15.62% 15.15% 14.34% 12.05% 13.77% 16.07% 19.31% 14.78% 22.42%
Return on Equity Simple (ROE_SIMPLE)		 15.46% 0.00% 14.64% 13.34% 12.74% 0.00% 13.11% 14.98% 16.69% 0.00% 20.02%
Net Operating Profit after Tax (NOPAT)		 16 16 17 17 15 11 11 13 16 10 17
NOPAT Margin		 45.26% 45.89% 45.26% 46.70% 44.81% 36.80% 42.62% 44.19% 48.58% 34.32% 48.42%
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		 28.94% 31.59% 28.18% 27.27% 28.14% 35.03% 32.00% 29.20% 24.71% 31.84% 26.80%
Operating Expenses to Revenue		 38.32% 40.49% 37.02% 35.93% 37.86% 45.13% 43.04% 38.65% 33.38% 38.08% 36.37%
Earnings before Interest and Taxes (EBIT)		 22 21 23 23 20 16 16 19 22 20 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 23 22 23 24 21 17 16 19 22 21 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.62 1.91 1.89 1.62 1.56 1.53 1.24 1.16 1.16 1.45 1.34
Price to Tangible Book Value (P/TBV)		 1.62 1.91 1.89 1.62 1.56 1.53 1.24 1.16 1.16 1.45 1.34
Price to Revenue (P/Rev)		 4.80 5.69 5.63 5.22 5.17 4.87 4.04 3.41 3.10 3.69 3.23
Price to Earnings (P/E)		 10.50 12.46 12.91 12.17 12.27 11.30 9.48 7.73 6.93 8.11 6.69
Dividend Yield		 3.15% 2.62% 2.57% 2.90% 3.01% 3.11% 3.65% 3.84% 3.88% 2.99% 3.21%
Earnings Yield		 9.53% 8.03% 7.74% 8.22% 8.15% 8.85% 10.55% 12.94% 14.43% 12.33% 14.95%
Enterprise Value to Invested Capital (EV/IC)		 0.98 1.17 1.09 0.91 0.95 1.08 0.73 0.71 0.77 0.97 0.92
Enterprise Value to Revenue (EV/Rev)		 5.77 6.58 6.25 5.60 5.93 6.38 4.40 3.91 4.25 5.11 4.58
Enterprise Value to EBITDA (EV/EBITDA)		 9.07 10.29 9.98 9.02 9.67 10.22 6.64 5.67 6.17 7.40 6.72
Enterprise Value to EBIT (EV/EBIT)		 9.38 10.64 10.33 9.37 10.04 10.61 6.92 5.92 6.45 7.71 6.95
Enterprise Value to NOPAT (EV/NOPAT)		 12.61 14.40 14.32 13.04 14.08 14.79 10.33 8.85 9.50 11.24 9.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 21.37 14.62 23.76 10.88 7.65 9.30 6.40 8.02 8.50 5.22 4.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 22.04 10.92 8.00 8.86 26.18 5.48 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.99 0.89 0.92 0.92 0.88 0.85 0.84 0.87 1.06 1.07 1.08
Long-Term Debt to Equity		 0.99 0.89 0.92 0.92 0.88 0.85 0.84 0.87 1.06 1.07 1.07
Financial Leverage		 0.94 0.87 0.88 0.90 0.97 0.96 0.95 1.01 1.14 1.37 1.08
Leverage Ratio		 8.86 8.84 8.94 9.09 9.43 9.48 9.35 9.54 9.89 10.21 9.76
Compound Leverage Factor		 8.86 8.84 8.94 9.09 9.43 9.48 9.35 9.54 9.89 10.21 9.76
Debt to Total Capital		 49.83% 47.09% 47.94% 47.94% 46.88% 46.00% 45.79% 46.58% 51.54% 51.79% 51.82%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.06% 0.00% 0.05% 0.05%
Long-Term Debt to Total Capital		 49.83% 47.09% 47.94% 47.94% 46.88% 46.00% 45.79% 46.52% 51.54% 51.74% 51.77%
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		 50.17% 52.91% 52.06% 52.06% 53.12% 54.00% 54.21% 53.42% 48.46% 48.21% 48.18%
Debt to EBITDA		 4.62 4.15 4.38 4.78 4.76 4.35 4.14 3.73 4.14 3.95 3.80
Net Debt to EBITDA		 1.52 1.39 0.98 0.60 1.24 2.41 0.55 0.72 1.67 2.06 1.98
Long-Term Debt to EBITDA		 4.62 4.15 4.38 4.78 4.76 4.35 4.14 3.72 4.14 3.94 3.80
Debt to NOPAT		 6.42 5.81 6.29 6.90 6.93 6.30 6.44 5.82 6.37 6.00 5.37
Net Debt to NOPAT		 2.11 1.94 1.41 0.87 1.80 3.49 0.85 1.12 2.57 3.13 2.80
Long-Term Debt to NOPAT		 6.42 5.81 6.29 6.90 6.93 6.30 6.44 5.81 6.37 5.99 5.37
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)		 -90 -74 -56 -67 -3.63 30 26 13 -22 76 -131
Operating Cash Flow to CapEx		 17,015.71% 4,711.74% -4,103.57% 5,469.21% 14,962.55% -880.38% 1,300.07% 3,217.45% 2,197.33% -963.57% -193.67%
Free Cash Flow to Firm to Interest Expense		 -4.10 -3.26 -2.37 -2.85 -0.14 1.21 1.06 0.58 -1.11 5.07 -15.38
Operating Cash Flow to Interest Expense		 0.54 0.85 -0.49 0.83 1.44 -0.34 0.72 2.10 1.29 -0.59 -0.25
Operating Cash Flow Less CapEx to Interest Expense		 0.54 0.84 -0.50 0.81 1.43 -0.38 0.66 2.03 1.24 -0.66 -0.38
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 8.00 7.76 7.67 7.33 7.22 7.39 7.62 8.66 9.42 10.08 10.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 853 796 782 782 747 707 710 699 728 725 724
Invested Capital Turnover		 0.18 0.19 0.18 0.17 0.16 0.17 0.17 0.18 0.19 0.18 0.22
Increase / (Decrease) in Invested Capital		 106 90 72 84 18 -18 -15 0.08 38 -66 148
Enterprise Value (EV)		 835 929 854 708 711 763 521 495 559 704 663
Market Capitalization		 695 803 770 661 620 583 478 432 408 508 467
Book Value per Share		 $16.85 $16.63 $16.07 $16.16 $15.73 $15.14 $15.22 $14.84 $14.04 $13.81 $13.72
Tangible Book Value per Share		 $16.85 $16.63 $16.07 $16.16 $15.73 $15.14 $15.22 $14.84 $14.04 $13.81 $13.72
Total Capital		 853 796 782 782 747 707 710 699 728 725 724
Total Debt		 425 375 375 375 350 325 325 325 375 375 375
Total Long-Term Debt		 425 375 375 375 350 325 325 325 375 375 375
Net Debt		 140 125 84 47 91 180 43 63 151 196 196
Capital Expenditures (CapEx)		 0.07 0.41 0.28 0.35 0.24 0.94 1.36 1.47 1.16 0.93 1.09
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)		 425 375 375 375 350 325 325 325 375 375 375
Total Depreciation and Amortization (D&A)		 0.83 0.76 0.73 0.72 0.75 0.73 0.71 0.54 0.71 1.21 1.25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.64 $0.64 $0.66 $0.67 $0.58 $0.45 $0.45 $0.52 $0.63 $0.41 $0.66
Adjusted Weighted Average Basic Shares Outstanding		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
Adjusted Diluted Earnings per Share		 $0.63 $0.64 $0.65 $0.66 $0.57 $0.44 $0.45 $0.51 $0.62 $0.39 $0.66
Adjusted Weighted Average Diluted Shares Outstanding		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
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		 25.40M 25.40M 25.33M 25.33M 25.21M 25.21M 25.21M 25.28M 25.14M 25.14M 25.31M
Normalized Net Operating Profit after Tax (NOPAT)		 16 16 17 17 15 11 11 13 16 10 17
Normalized NOPAT Margin		 45.26% 45.89% 45.26% 46.70% 44.81% 36.80% 42.62% 44.19% 48.58% 34.32% 48.42%
Pre Tax Income Margin		 61.31% 58.94% 61.41% 64.42% 62.57% 52.34% 58.38% 62.75% 66.62% 65.86% 68.51%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.01 0.92 0.96 1.00 0.81 0.66 0.64 0.83 1.09 1.30 2.81
NOPAT to Interest Expense		 0.74 0.72 0.71 0.72 0.58 0.46 0.47 0.58 0.80 0.68 1.99
EBIT Less CapEx to Interest Expense		 1.00 0.91 0.95 0.98 0.80 0.62 0.58 0.76 1.03 1.24 2.68
NOPAT Less CapEx to Interest Expense		 0.74 0.70 0.70 0.71 0.57 0.42 0.41 0.52 0.74 0.62 1.86
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.03% 32.64% 33.15% 35.38% 37.05% 35.26% 34.61% 29.87% 27.15% 24.42% 21.55%
Augmented Payout Ratio		 33.03% 32.65% 34.35% 38.10% 39.95% 39.18% 45.75% 41.44% 42.01% 37.51% 27.11%

Frequently Asked Questions About MetroCity Bankshares' Financials

When does MetroCity Bankshares's financial year end?

According to the most recent income statement we have on file, MetroCity Bankshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has MetroCity Bankshares' net income changed over the last 2 years?
The last 5 years of MetroCity Bankshares' net income performance:
  • 2022: $62.60 million
  • 2023: $51.61 million
  • 2024: $64.50 million
Find out what analysts predict for MetroCity Bankshares in the coming months.
How has MetroCity Bankshares revenue changed over the last 2 years?

Over the last 2 years, MetroCity Bankshares' total revenue changed from $137.73 million in 2022 to $141.21 million in 2024, a change of 2.5%.

How much debt does MetroCity Bankshares have?

MetroCity Bankshares' total liabilities were at $3.17 billion at the end of 2024, a 1.6% increase from 2023, and a 3.1% increase since 2022.

How much cash does MetroCity Bankshares have?

In the past 2 years, MetroCity Bankshares' cash and equivalents has ranged from $142.15 million in 2023 to $236.34 million in 2024, and is currently $236.34 million as of their latest financial filing in 2024.

How has MetroCity Bankshares' book value per share changed over the last 2 years?

Over the last 2 years, MetroCity Bankshares' book value per share changed from 13.81 in 2022 to 16.63 in 2024, a change of 20.5%.


Related Companies

This page (NASDAQ:MCBS) was last updated on 5/30/2025 by MarketBeat.com Staff
From Our Partners
Trump Exec Order 14179 is wealth “gift” to good Americans?
Is President Trump’s Executive Order 14179… A secret way to restore wealth for good citizens? If you’ve ...
Paradigm Press | Sponsored
We’ve Entered the Most Bullish Phase of the Cycle
It happens like clockwork. Every four years, the crypto market enters a new phase — and for those who know how...
Crypto Swap Profits | Sponsored
The one deadline Elon can't afford to miss...
For years, Elon Musk made headlines for blowing past deadlines — so often that investors coined a nickname for...
Brownstone Research | Sponsored
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
3..2..1.. AI 2.0 ignition (don’t sleep on this)
I just put together an urgent new presentation that you need to see right away. In short: I believe we are...
Timothy Sykes | Sponsored
Elon’s backup plan for AI
Elon knows the future isn’t about smarter AI — it’s about powering it. And this new technology is quietly b...
True Market Insiders | Sponsored
Prepare now for May 31 event
Prepare now for May 31 event Circle May 31 on your calendar This man grew up in a trailer in New Mexico. To...
Stansberry Research | Sponsored
URGENT: Someone's Moving Gold Out of London...
People who don’t understand the gold market are about to lose a lot of money. Unfortunately, most so-called “g...
Golden Portfolio | Sponsored