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Financials · MCBS

MetroCity Bankshares Inc. (MCBS) financials

For the twelve months ended Sep 30, 2026, MetroCity Bankshares Inc. reported $192.32M of revenue and $86.88M of net income.

Revenue, TTM
$192.32M
Revenue growth, YoY
+30.6%
Net income, TTM
$86.88M
Net income growth, YoY
+30.4%
Net margin
45.2%
EPS, diluted, TTM
$3.06
EPS growth, YoY
+18.1%
Cash
$317.01M
P/E
12.09
P/S
5.46
Market cap
$1.05B
Annual revenue$155.63M
FY2017FY2025
Annual net income$68.53M
FY2017FY2025
Annual free cash flow$37.03M
FY2017FY2025

MCBS revenue and earnings growth

MCBS revenueQ3 2026$47.94M

Quarter YoY
+26.3%
QoQ
-3.7%
FY YoY
+10.2%
5Y CAGR
+10.8%

MCBS revenue was $47.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 26.3% from a year earlier and down 3.7% from the prior quarter. For the full fiscal 2025 it was $155.63M, up 10.2% from fiscal 2024. Compound annual growth was +10.8% over 5 years. It rose in 5 of the last 8 fiscal years. Fiscal 2025 is the highest of the 9 fiscal years on file.

MCBS net incomeQ3 2026$24.30M

Quarter YoY
+40.7%
QoQ
+9.8%
FY YoY
+6.2%
5Y CAGR
+13.5%

MCBS net income was $24.30M in fiscal Q3 2026 (ended Sep 30, 2026), up 40.7% from a year earlier and up 9.8% from the prior quarter. For the full fiscal 2025 it was $68.53M, up 6.2% from fiscal 2024. Compound annual growth was +13.5% over 5 years. It rose in 6 of the last 8 fiscal years. Fiscal 2025 is the highest of the 9 fiscal years on file.

MCBS EPSQ3 2026$0.84

Quarter YoY
+25.4%
QoQ
+10.5%
FY YoY
+4.8%
5Y CAGR
+13.4%

MCBS diluted EPS was $0.84 in fiscal Q3 2026 (ended Sep 30, 2026), up 25.4% from a year earlier and up 10.5% from the prior quarter. For the full fiscal 2025 it was $2.64, up 4.8% from fiscal 2024. Compound annual growth was +13.4% over 5 years.

MCBS free cash flowQ4 2025-$5.36M

FY YoY
-40.5%
5Y CAGR
-23.6%

MCBS free cash flow was -$5.36M in fiscal Q4 2025 (ended Dec 31, 2025), compared with $18.86M a year earlier. For the full fiscal 2025 it was $37.03M, down 40.5% from fiscal 2024. Compound annual growth was -23.6% over 5 years. It rose in 2 of the last 6 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue$155.63M$141.21M$119.68M$137.73M$137.86M$93.33M$100.87M$95.85M$84.30M
Interest expense--$91.35M$27.61M$4.57M$11.49M$22.24M$14.68M$8.62M
Pre-tax income$92.69M$87.31M$71.97M$91.22M$82.62M$48.76M$60.87M$56.00M$50.05M
Income tax$24.16M$22.81M$20.36M$28.61M$20.92M$12.37M$16.15M$14.67M$18.15M
Net income$68.53M$64.50M$51.61M$62.60M$61.70M$36.39M$44.72M$41.33M$31.90M
EPS, basic$2.66$2.55$2.05$2.46$2.41$1.42$1.82$1.71$1.34
EPS, diluted$2.64$2.52$2.02$2.44$2.39$1.41$1.81$1.69$1.32
Diluted shares26.0M25.6M25.5M25.7M25.8M25.8M24.7M24.5M24.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Cash and equivalents$383.68M$249.88M$144.81M$179.49M$441.34M$150.69M$276.41M$138.43M$95.83M
Goodwill$56.05M--------
Total assets$4.77B$3.59B$3.50B$3.43B$3.11B$1.90B$1.63B$1.43B-
Total liabilities$4.22B$3.17B$3.12B$3.08B$2.82B$1.65B$1.42B$1.26B-
Shareholders' equity$544.18M$421.35M$381.52M$349.42M$290.22M$244.83M$216.72M$168.61M$135.12M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Operating cash flow$37.70M$63.50M$82.10M$134.69M$65.43M$142.56M$32.20M-$160.99M$151.81M
Capital expenditures$674.0K$1.29M$4.93M$2.35M$384.0K$537.0K$1.10M$2.85M$5.91M
Free cash flow$37.03M$62.22M$77.17M$132.34M$65.05M$142.02M$31.10M-$163.85M$145.90M
Investing cash flow$126.83M$5.87M-$110.27M-$651.82M-$930.55M-$477.86M-$18.29M$109.41M-$277.94M
Financing cash flow-$30.73M$35.70M-$6.51M$255.27M$1.16B$209.58M$124.08M$94.17M$155.40M
Dividends paid$24.84M$21.05M$18.20M$15.29M$11.79M$10.29M$10.37M$9.29M$5.40M
Share repurchases$2.73M$10.0K$2.02M$8.20M$5.54M-$1.49M--
Depreciation and amortization$3.51M$2.96M$2.69M$3.88M$2.81M$2.93M$2.72M$899.0K$593.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
Revenue growth, YoY10.2%18.0%-13.1%-0.1%47.7%-7.5%5.2%13.7%-
Net income growth, YoY6.2%25.0%-17.6%1.5%69.5%-18.6%8.2%29.6%-
EPS growth, YoY4.8%24.8%-17.2%2.1%69.5%-22.1%7.1%28.0%-
Net margin44.0%45.7%43.1%45.5%44.8%39.0%44.3%43.1%37.8%
Free cash flow margin23.8%44.1%64.5%96.1%47.2%152.2%30.8%-170.9%173.1%
Return on equity12.6%15.3%13.5%17.9%21.3%14.9%20.6%24.5%23.6%
Return on assets1.4%1.8%1.5%1.8%2.0%1.9%2.7%2.9%-

Source: XBRL data MetroCity Bankshares Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

MCBS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
MCBS$192.32M+30.6%$86.88M45.2%$1.05B
JPM$203.15B+13.2%$65.98B32.5%$919.35B
BAC$120.16B+5.4%$32.24B26.8%$352.05B
WFC$87.23B+5.4%$22.97B26.3%$258.31B
C$85.22B+5.6%$14.31B16.8%$205.26B
UBS$49.57B+2.0%$7.80B15.7%$149.91B
MFG¥8.79T+7.6%¥1.16T13.2%$128.73B
COF$63.01B+31.2%$10.87B17.2%$117.35B
BNSC$37.74B+12.1%C$7.79B20.6%$113.53B

MCBS FAQ

7 questions
  • What is MCBS revenue?
    MetroCity Bankshares Inc. (MCBS) reported $192.32M of revenue for the twelve months ended Sep 30, 2026. That is up 30.6% from the year before. Revenue for fiscal 2025 was $155.63M.
  • Is MCBS profitable?
    Yes. MetroCity Bankshares Inc. earned $86.88M in net income for the twelve months ended Sep 30, 2026, a net margin of 45.2%.
  • How much cash and debt does MCBS have?
    MetroCity Bankshares Inc. reported $317.01M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is MCBS revenue growing?
    MetroCity Bankshares Inc.'s revenue changed +10.2% in fiscal 2025, to $155.63M. Its compound annual growth rate was +10.8% over 5 years.
  • What is MCBS earnings per share?
    Diluted earnings per share were $3.06 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did MCBS last report financial results?
    The latest statements here come from MetroCity Bankshares Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this MCBS financial data come from?
    Quantisnow builds these statements from the structured XBRL data MetroCity Bankshares Inc. files with the SEC. It is provided for information only and is not investment advice.