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MetroCity Bankshares (MCBS) Financials

MetroCity Bankshares logo
$31.76 -0.96 (-2.93%)
Closing price 05/11/2026 04:00 PM Eastern
Extended Trading
$31.76 +0.00 (+0.01%)
As of 04:16 AM Eastern
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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 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

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 11 11 15 17 17 16 16 17 17 18 22
Consolidated Net Income / (Loss)		 11 11 15 17 17 16 16 17 17 18 22
Net Income / (Loss) Continuing Operations		 11 11 15 17 17 16 16 17 17 18 22
Total Pre-Tax Income 		16 16 20 23 23 21 22 24 24 23 30
Total Revenue		 27 31 33 36 37 35 36 38 38 44 51
Net Interest Income / (Expense)		 24 26 27 31 30 30 31 32 32 36 44
Total Interest Income		 49 51 52 54 54 53 53 54 54 60 71
Loans and Leases Interest Income		 46 47 50 51 50 50 50 51 51 57 67
Investment Securities Interest Income		 2.98 3.27 2.21 3.55 3.42 2.66 2.13 2.97 2.88 2.79 3.73
Federal Funds Sold and Securities Borrowed Interest Income		 0.04 0.04 0.03 0.03 0.08 0.16 0.14 0.14 0.14 0.13 0.12
Total Interest Expense		 25 25 25 23 24 23 22 22 22 24 27
Deposits Interest Expense		 22 22 22 20 20 19 18 17 18 20 22
Short-Term Borrowings Interest Expense		 2.82 2.86 3.17 3.66 3.94 3.94 3.99 4.38 4.41 4.71 4.43
Total Non-Interest Income		 2.66 4.71 5.57 5.56 6.62 5.32 5.46 5.73 6.18 7.82 6.36
Service Charges on Deposit Accounts		 0.27 1.32 1.50 0.56 1.23 0.96 0.91 0.64 1.20 0.80 1.91
Other Service Charges		 0.18 0.80 0.74 1.72 1.33 1.25 1.39 1.74 1.32 1.23 0.98
Net Realized & Unrealized Capital Gains on Investments		 0.24 0.03 1.27 1.18 1.61 0.80 1.06 1.22 0.72 3.27 1.05
Other Non-Interest Income		 1.97 2.55 2.06 2.11 2.45 2.31 2.10 2.13 2.93 2.52 2.43
Provision for Credit Losses		 -0.38 0.78 -0.14 -0.13 0.58 0.20 0.14 0.13 -0.54 -0.04 -0.81
Total Non-Interest Expense		 12 14 12 13 14 14 14 14 15 21 21
Salaries and Employee Benefits		 6.86 8.97 7.37 8.05 8.51 9.28 8.49 8.55 8.95 11 12
Net Occupancy & Equipment Expense		 1.57 1.67 1.65 1.69 1.74 1.74 1.76 1.71 1.80 2.05 3.12
Marketing Expense		 0.14 0.16 0.17 0.16 0.15 0.16 0.17 0.15 0.16 0.18 0.22
Other Operating Expenses		 2.96 3.12 3.17 3.14 3.26 3.15 3.12 3.70 3.76 3.04 4.92
Restructuring Charge		 - - - - - - 0.26 - - - 1.68
Income Tax Expense		 4.22 4.79 5.80 6.43 5.96 4.62 5.78 6.84 6.57 4.97 7.91
Basic Earnings per Share		 $0.45 $0.45 $0.58 $0.67 $0.66 $0.64 $0.64 $0.66 $0.68 $0.68 $0.78
Weighted Average Basic Shares Outstanding		 25.21M 25.21M 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
Diluted Earnings per Share		 $0.45 $0.44 $0.57 $0.66 $0.65 $0.64 $0.63 $0.65 $0.67 $0.69 $0.77
Weighted Average Diluted Shares Outstanding		 25.21M 25.21M 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
Weighted Average Basic & Diluted Shares Outstanding		 25.21M 25.21M 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
Cash Dividends to Common per Share		 $0.18 - $0.20 $0.20 $0.20 - $0.23 $0.23 $0.25 - $0.25

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 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

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
Net Change in Cash & Equivalents		 19 -137 114 69 -37 -41 35 0.96 -59 157 3.93
Net Cash From Operating Activities		 18 -8.30 36 19 -11 19 12 14 16 -5.14 46
Net Cash From Continuing Operating Activities		 18 -8.30 36 19 -11 19 12 14 16 -5.14 46
Net Income / (Loss) Continuing Operations		 11 11 15 17 17 16 16 17 17 18 22
Consolidated Net Income / (Loss)		 11 11 15 17 17 16 16 17 17 18 22
Provision For Loan Losses		 -0.38 0.78 -0.14 -0.13 0.58 0.20 0.14 0.13 -0.54 -0.04 -0.81
Depreciation Expense		 0.71 0.73 0.75 0.72 0.73 0.76 0.83 0.85 0.97 0.86 0.69
Non-Cash Adjustments to Reconcile Net Income		 -0.62 1.14 -0.29 -1.30 -4.95 5.41 0.58 1.20 0.10 -4.38 9.63
Changes in Operating Assets and Liabilities, net		 6.53 -22 21 3.13 -25 -3.33 -5.93 -4.56 -1.32 -20 14
Net Cash From Investing Activities		 -13 -136 -25 98 2.73 -69 -20 40 -72 179 74
Net Cash From Continuing Investing Activities		 -13 -136 -25 98 2.73 -69 -20 40 -72 179 74
Purchase of Investment Securities		 -2.31 0.35 -1.22 -1.19 - 2.41 -11 - - - 4.81
Sale and/or Maturity of Investments		 0.21 -0.02 23 112 55 -1.15 42 57 19 201 20
Other Investing Activities, net		 -9.23 -135 -46 -13 -52 -70 -52 -17 -90 -31 49
Net Cash From Financing Activities		 14 7.10 103 -48 -28 8.75 43 -53 -3.28 -17 -116
Net Cash From Continuing Financing Activities		 14 7.10 103 -48 -28 8.75 43 -53 -3.28 -17 -116
Net Change in Deposits		 20 12 83 -68 -23 14 0.23 -48 3.59 -8.06 -19
Issuance of Debt		 - 150 75 375 - - 50 50 - - 0.00
Repayment of Debt		 -0.39 -150 -50 -350 - - 0.00 -50 - - -85
Repurchase of Common Equity		 -0.76 -0.71 - -0.01 - - 0.00 - - -2.70 -4.44
Payment of Dividends		 -4.61 -4.54 -5.04 -5.04 -5.14 -5.83 -5.84 -5.84 -6.87 -6.29 -7.20
Other Financing Activities, Net		 - - 0.00 - - - -1.12 - - -0.27 0.00
Cash Interest Paid		 24 24 26 23 23 23 22 22 22 25 27
Cash Income Taxes Paid		 6.29 4.21 0.23 9.44 6.89 4.95 1.06 11 6.20 3.12 0.56

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 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

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 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
Total Assets		 3,348 3,419 3,475 3,511 3,647 3,615 3,569 3,660 3,616 3,629 4,688
Cash and Due from Banks		 164 216 251 279 254 325 279 272 274 214 374
Federal Funds Sold		 16 7.90 12 2.95 4.51 2.83 12 13 12 13 14
Trading Account Securities		 20 54 58 64 67 64 48 33 46 43 50
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		 2,963 2,993 - - 73 0.00 4.60 35 4.99 231 0.00
Premises and Equipment, Net		 14 15 16 17 18 18 18 18 18 18 30
Goodwill		 - - - - - - - - - - 56
Intangible Assets		 - - - - - - - - - - 12
Other Assets		 161 133 3,128 3,137 3,231 3,205 3,208 3,271 3,261 3,110 4,153
Total Liabilities & Shareholders' Equity		 3,348 3,419 3,475 3,511 3,647 3,615 3,569 3,660 3,616 3,629 4,688
Total Liabilities		 2,999 3,066 3,102 3,126 3,251 3,208 3,162 3,232 3,180 3,184 4,134
Non-Interest Bearing Deposits		 602 577 575 560 547 564 552 540 549 544 799
Interest Bearing Deposits		 1,969 2,067 2,123 2,159 2,267 2,182 2,171 2,197 2,141 2,149 2,827
Accrued Interest Payable		 1.49 3.68 3.86 3.92 3.06 3.48 3.59 3.49 3.44 3.57 10
Long-Term Debt		 375 375 325 325 350 375 375 425 425 425 425
Other Long-Term Liabilities		 52 43 74 79 84 84 60 66 62 62 72
Total Equity & Noncontrolling Interests		 349 353 373 385 397 407 407 428 436 446 554
Total Preferred & Common Equity		 349 353 373 385 397 407 407 428 436 446 554
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		 349 353 373 385 397 407 407 428 436 446 554
Common Stock		 49 45 46 46 46 47 48 50 50 51 136
Retained Earnings		 279 293 302 309 325 337 348 369 380 391 418
Accumulated Other Comprehensive Income / (Loss)		 20 15 26 30 25 24 11 8.96 5.59 3.51 0.59

Annual Metrics And Ratios for MetroCity Bankshares

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%

Quarterly Metrics And Ratios for MetroCity Bankshares

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 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
DEI Shares Outstanding		 - - - - - - - - - 25,480,661.00 28,755,228.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 25,480,661.00 28,755,228.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.71 0.78
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -23.15% 3.97% 0.85% 22.29% 37.65% 14.75% 10.28% 4.52% 2.89% 23.63% 41.19%
EBITDA Growth		 -34.95% -18.70% -4.90% 25.75% 42.93% 28.16% 8.14% 1.79% 6.08% 10.90% 34.91%
EBIT Growth		 -34.52% -17.39% -5.28% 25.54% 44.79% 29.22% 8.05% 1.29% 5.19% 10.82% 36.89%
NOPAT Growth		 -32.35% 11.46% -6.99% 29.21% 46.14% 43.08% 11.39% -0.66% 3.41% 11.73% 36.92%
Net Income Growth		 -32.35% 11.46% -6.99% 29.21% 46.14% 43.08% 11.39% -0.66% 3.41% 11.73% 36.92%
EPS Growth		 -31.82% 12.82% -8.06% 29.41% 44.44% 45.45% 10.53% -1.52% 3.08% 7.81% 22.22%
Operating Cash Flow Growth		 936.95% 6.86% 42.40% -58.98% -165.03% 332.12% -67.24% -25.36% 243.42% -126.67% 284.60%
Free Cash Flow Firm Growth		 119.97% -61.02% 83.37% -612.37% -313.32% -348.29% -2,384.63% 7.03% -28.06% -225.66% -15.33%
Invested Capital Growth		 -2.03% -2.52% 2.51% 11.98% 10.21% 12.72% 14.25% 10.08% 11.34% 32.38% 14.79%
Revenue Q/Q Growth		 -9.61% 15.01% 6.75% 11.08% 1.75% -4.13% 1.78% 5.28% 0.16% 15.20% 16.24%
EBITDA Q/Q Growth		 -14.58% 3.06% 25.62% 13.71% -2.91% -7.59% 5.99% 7.03% 1.18% -3.39% 28.94%
EBIT Q/Q Growth		 -15.91% 3.10% 26.62% 14.36% -3.02% -7.98% 5.86% 7.22% 0.72% -3.06% 30.76%
NOPAT Q/Q Growth		 -12.82% -0.71% 28.94% 15.76% -1.39% -2.79% 0.38% 3.25% 2.64% 5.03% 23.02%
Net Income Q/Q Growth		 -12.82% -0.71% 28.94% 15.76% -1.39% -2.79% 0.38% 3.25% 2.64% 5.03% 23.02%
EPS Q/Q Growth		 -11.76% -2.22% 29.55% 15.79% -1.52% -1.54% -1.56% 3.17% 3.08% 2.99% 11.59%
Operating Cash Flow Q/Q Growth		 -62.57% -146.99% 537.95% -46.75% -159.35% 267.72% -38.19% 21.32% 14.03% -131.19% 991.42%
Free Cash Flow Firm Q/Q Growth		 100.74% 13.36% -112.23% -1,741.13% 16.42% -31.95% -22.37% 31.11% -15.13% -235.55% 56.66%
Invested Capital Q/Q Growth		 1.60% -0.45% 5.67% 4.77% -0.01% 1.81% 7.11% 0.95% 1.14% 21.05% -7.12%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 61.03% 54.69% 64.88% 66.41% 63.38% 61.09% 63.62% 64.68% 65.34% 54.80% 60.78%
EBIT Margin		 58.38% 52.34% 62.57% 64.42% 61.41% 58.94% 61.31% 62.43% 62.78% 52.83% 59.43%
Profit (Net Income) Margin		 42.62% 36.80% 44.81% 46.70% 45.26% 45.89% 45.26% 44.38% 45.48% 41.47% 43.89%
Tax Burden Percent		 73.01% 70.32% 71.61% 72.48% 73.70% 77.85% 73.82% 71.09% 72.44% 78.49% 73.84%
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		 26.99% 29.68% 28.39% 27.52% 26.30% 22.15% 26.18% 28.91% 27.56% 21.51% 26.16%
Return on Invested Capital (ROIC)		 7.04% 6.15% 7.29% 7.98% 8.29% 8.62% 8.18% 7.90% 8.10% 6.98% 8.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.04% 6.15% 7.29% 7.98% 8.29% 8.62% 8.18% 7.90% 8.10% 6.98% 8.17%
Return on Net Nonoperating Assets (RNNOA)		 6.72% 5.90% 7.05% 7.16% 7.33% 7.52% 7.69% 7.49% 7.60% 6.39% 7.07%
Return on Equity (ROE)		 13.77% 12.05% 14.34% 15.15% 15.62% 16.14% 15.87% 15.39% 15.70% 13.37% 15.24%
Cash Return on Invested Capital (CROIC)		 9.09% 9.77% 4.37% -3.96% -1.72% -3.37% -5.03% -1.56% -2.67% -20.46% -5.64%
Operating Return on Assets (OROA)		 2.02% 1.81% 2.12% 2.30% 2.37% 2.35% 2.43% 2.52% 2.57% 1.97% 2.43%
Return on Assets (ROA)		 1.47% 1.27% 1.52% 1.67% 1.75% 1.83% 1.79% 1.79% 1.86% 1.54% 1.79%
Return on Common Equity (ROCE)		 13.77% 12.05% 14.34% 15.15% 15.62% 16.14% 15.87% 15.39% 15.70% 13.37% 15.24%
Return on Equity Simple (ROE_SIMPLE)		 13.11% 0.00% 12.74% 13.34% 14.64% 0.00% 15.46% 15.15% 14.94% 0.00% 13.45%
Net Operating Profit after Tax (NOPAT)		 11 11 15 17 17 16 16 17 17 18 22
NOPAT Margin		 42.62% 36.80% 44.81% 46.70% 45.26% 45.89% 45.26% 44.38% 45.48% 41.47% 43.89%
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		 32.00% 35.03% 28.14% 27.27% 28.18% 31.59% 28.94% 27.46% 28.75% 29.49% 29.19%
Operating Expenses to Revenue		 43.04% 45.13% 37.86% 35.93% 37.02% 40.49% 38.32% 37.23% 38.65% 47.26% 42.16%
Earnings before Interest and Taxes (EBIT)		 16 16 20 23 23 21 22 24 24 23 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 17 21 24 23 22 23 25 25 24 31
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.24 1.53 1.56 1.62 1.89 1.91 1.62 1.65 1.57 1.23 1.47
Price to Tangible Book Value (P/TBV)		 1.24 1.53 1.56 1.62 1.89 1.91 1.62 1.65 1.57 1.41 1.68
Price to Revenue (P/Rev)		 4.04 4.87 5.17 5.22 5.63 5.69 4.80 4.92 4.76 4.31 4.79
Price to Earnings (P/E)		 9.48 11.30 12.27 12.17 12.91 12.46 10.50 10.90 10.51 9.78 10.96
Dividend Yield		 3.65% 3.11% 3.01% 2.90% 2.57% 2.62% 3.15% 3.14% 3.43% 3.65% 3.45%
Earnings Yield		 10.55% 8.85% 8.15% 8.22% 7.74% 8.03% 9.53% 9.18% 9.51% 10.22% 9.12%
Enterprise Value to Invested Capital (EV/IC)		 0.73 1.08 0.95 0.91 1.09 1.17 0.98 1.00 1.03 0.76 0.87
Enterprise Value to Revenue (EV/Rev)		 4.40 6.38 5.93 5.60 6.25 6.58 5.77 5.87 6.10 5.12 5.01
Enterprise Value to EBITDA (EV/EBITDA)		 6.64 10.22 9.67 9.02 9.98 10.29 9.07 9.29 9.57 8.28 8.20
Enterprise Value to EBIT (EV/EBIT)		 6.92 10.61 10.04 9.37 10.33 10.64 9.38 9.62 9.93 8.60 8.47
Enterprise Value to NOPAT (EV/NOPAT)		 10.33 14.79 14.08 13.04 14.32 14.40 12.61 13.00 13.48 11.63 11.46
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.40 9.30 7.65 10.88 23.76 14.62 21.37 25.15 14.46 21.14 11.94
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.00 10.92 22.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.84 0.85 0.88 0.92 0.92 0.89 0.99 0.97 0.95 0.94 0.77
Long-Term Debt to Equity		 0.84 0.85 0.88 0.92 0.92 0.89 0.99 0.97 0.95 0.94 0.77
Financial Leverage		 0.95 0.96 0.97 0.90 0.88 0.87 0.94 0.95 0.94 0.92 0.87
Leverage Ratio		 9.35 9.48 9.43 9.09 8.94 8.84 8.86 8.57 8.44 8.66 8.50
Compound Leverage Factor		 9.35 9.48 9.43 9.09 8.94 8.84 8.86 8.57 8.44 8.66 8.50
Debt to Total Capital		 45.79% 46.00% 46.88% 47.94% 47.94% 47.09% 49.83% 49.36% 48.80% 48.38% 43.40%
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		 45.79% 46.00% 46.88% 47.94% 47.94% 47.09% 49.83% 49.36% 48.80% 48.38% 43.40%
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		 54.21% 54.00% 53.12% 52.06% 52.06% 52.91% 50.17% 50.64% 51.20% 51.62% 56.60%
Debt to EBITDA		 4.14 4.35 4.76 4.78 4.38 4.15 4.62 4.60 4.53 5.30 4.08
Net Debt to EBITDA		 0.55 2.41 1.24 0.60 0.98 1.39 1.52 1.50 2.11 1.31 0.36
Long-Term Debt to EBITDA		 4.14 4.35 4.76 4.78 4.38 4.15 4.62 4.60 4.53 5.30 4.08
Debt to NOPAT		 6.44 6.30 6.93 6.90 6.29 5.81 6.42 6.43 6.38 7.44 5.70
Net Debt to NOPAT		 0.85 3.49 1.80 0.87 1.41 1.94 2.11 2.10 2.97 1.84 0.50
Long-Term Debt to NOPAT		 6.44 6.30 6.93 6.90 6.29 5.81 6.42 6.43 6.38 7.44 5.70
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)		 26 30 -3.63 -67 -56 -74 -90 -62 -71 -240 -104
Operating Cash Flow to CapEx		 1,300.07% -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%
Free Cash Flow to Firm to Interest Expense		 1.06 1.21 -0.14 -2.85 -2.37 -3.26 -4.10 -2.84 -3.22 -9.85 -3.92
Operating Cash Flow to Interest Expense		 0.72 -0.34 1.44 0.83 -0.49 0.85 0.54 0.66 0.74 -0.21 1.73
Operating Cash Flow Less CapEx to Interest Expense		 0.66 -0.38 1.43 0.81 -0.50 0.84 0.54 0.66 0.73 -0.22 1.73
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.62 7.39 7.22 7.33 7.67 7.76 8.00 8.12 8.18 6.46 7.15
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 710 707 747 782 782 796 853 861 871 1,054 979
Invested Capital Turnover		 0.17 0.17 0.16 0.17 0.18 0.19 0.18 0.18 0.18 0.17 0.19
Increase / (Decrease) in Invested Capital		 -15 -18 18 84 72 90 106 79 89 258 126
Enterprise Value (EV)		 521 763 711 708 854 929 835 859 898 797 855
Market Capitalization		 478 583 620 661 770 803 695 720 700 671 817
Book Value per Share		 $15.22 $15.14 $15.73 $16.16 $16.07 $16.63 $16.85 $17.17 $17.46 $21.36 $19.27
Tangible Book Value per Share		 $15.22 $15.14 $15.73 $16.16 $16.07 $16.63 $16.85 $17.17 $17.46 $18.66 $16.89
Total Capital		 710 707 747 782 782 796 853 861 871 1,054 979
Total Debt		 325 325 350 375 375 375 425 425 425 510 425
Total Long-Term Debt		 325 325 350 375 375 375 425 425 425 510 425
Net Debt		 43 180 91 47 84 125 140 139 198 126 37
Capital Expenditures (CapEx)		 1.36 0.94 0.24 0.35 0.28 0.41 0.07 0.12 0.26 0.23 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)		 325 325 350 375 375 375 425 425 425 510 425
Total Depreciation and Amortization (D&A)		 0.71 0.73 0.75 0.72 0.73 0.76 0.83 0.85 0.97 0.86 0.69
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.45 $0.58 $0.67 $0.66 $0.64 $0.64 $0.66 $0.68 $0.68 $0.78
Adjusted Weighted Average Basic Shares Outstanding		 25.21M 25.21M 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
Adjusted Diluted Earnings per Share		 $0.45 $0.44 $0.57 $0.66 $0.65 $0.64 $0.63 $0.65 $0.67 $0.69 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 25.21M 25.21M 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
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 25.21M 25.33M 25.33M 25.40M 25.40M 25.54M 25.48M 28.76M 28.66M
Normalized Net Operating Profit after Tax (NOPAT)		 11 11 15 17 17 16 16 17 17 18 24
Normalized NOPAT Margin		 42.62% 36.80% 44.81% 46.70% 45.26% 45.89% 45.26% 44.38% 45.48% 41.47% 46.32%
Pre Tax Income Margin		 58.38% 52.34% 62.57% 64.42% 61.41% 58.94% 61.31% 62.43% 62.78% 52.83% 59.43%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.64 0.66 0.81 1.00 0.96 0.92 1.01 1.08 1.07 0.95 1.14
NOPAT to Interest Expense		 0.47 0.46 0.58 0.72 0.71 0.72 0.74 0.77 0.78 0.75 0.84
EBIT Less CapEx to Interest Expense		 0.58 0.62 0.80 0.98 0.95 0.91 1.00 1.08 1.06 0.94 1.14
NOPAT Less CapEx to Interest Expense		 0.41 0.42 0.57 0.71 0.70 0.70 0.74 0.76 0.77 0.74 0.84
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 34.61% 35.26% 37.05% 35.38% 33.15% 32.64% 33.03% 34.29% 36.60% 36.25% 35.15%
Augmented Payout Ratio		 45.75% 39.18% 39.95% 38.10% 34.35% 32.65% 33.03% 34.34% 36.65% 40.23% 44.77%

Financials Breakdown Chart

Key Financial Trends

Here are concise trend highlights from MetroCity Bankshares, Inc. (MCBS) quarterly financials across the last four years. The points below focus on meaningful year-over-year and quarter-over-quarter changes that retail investors often watch.

  • Total Revenue growth: Q4 2025 revenue rose to $43.742 million from $30.834 million in Q4 2024, signaling stronger top-line performance.
  • Net income expansion: Q4 2025 consolidated net income reached $18.139 million, up from $16.235 million in Q4 2024, indicating improving profitability.
  • Net interest income up: Q4 2025 net interest income was $35.925 million, higher than the previous quarter’s level (Q3 2025: $31.792 million), reflecting a favorable interest income trend.
  • EPS improving: Q4 2025 basic and diluted earnings per share were $0.68 and $0.69, respectively, signaling continued earnings momentum.
  • Balance sheet expansion: Total assets stood at about $3.63 billion as of 9/30/2025, up modestly from prior periods, indicating gradual balance sheet growth.
  • Equity growth: Total Common Equity was roughly $445.9 million in Q3 2025, up from about $436.1 million in Q2 2025, signaling capital accumulation.
  • Dividend per share maintained/increased: Cash dividends per share paid to common were $0.25 in Q4 2025 (consistent with recent quarters and higher than earlier years), supporting income-oriented investors.
  • Robust but stable deposit base: As of Q3 2025, Non-Interest Bearing Deposits were about $544.4 million and Interest Bearing Deposits about $2.145 billion, totaling roughly $2.689 billion in deposits, a relatively steady base.
  • Total Non-Interest Income level: Q4 2025 non-interest income totaled about $7.817 million, indicating a steady contribution from non-interest sources.
  • Near-term liquidity headwinds: Net cash from continuing operating activities in Q4 2025 was negative at about $(5.14) million, while financing activities also posted outflows; the combination points to short-term cash-flow pressure despite a positive year-end cash balance.
05/12/26 08:56 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' fiscal year ends in December. Their fiscal 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. See where experts think MetroCity Bankshares is headed by visiting MetroCity Bankshares' forecast page.

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%.


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Financial statements for NASDAQ:MCBS last updated on 5/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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