MetroCity Bankshares, Inc. MCBS

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

MetroCity Bankshares, Inc. (the "Company"), a bank holding company incorporated in 2014 and headquartered in the Atlanta metropolitan area. We primarily operate through our wholly-owned banking subsidiary, Metro City Bank, a Georgia state-chartered commercial bank that was founded in 2006 (the "Bank"). We currently operate 29 full-service branch locations in multi-ethnic communities in Alabama, California, Florida, Georgia, New York, New Jersey, Texas and Virginia. As of December 31, 2025, we had total assets of $4.77 billion, total loans held for investment of $4.08 billion, total deposits of $3.65 billion and total shareholders' equity of $544.2 million.

We are a full-service commercial bank focused on delivering personalized service in an efficient and reliable manner to the small-to medium-sized businesses and individuals in our markets, including many customers in diverse and multi-ethnic communities in growing metropolitan markets in the Eastern U.S., Texas and California. We offer a suite of loan and deposit products tailored to meet the needs of the businesses of our customers. Through our diverse and experienced management team and talented employees, we are able to speak the language of our customers and provide them with services and products in a culturally competent manner.

Last close 35.74 2026-10-23
Market cap $1.03B 2026-06-30 share count
52-week range 24.53 - 37.46

Valuation FY2025 figures against the last close

P/S—
P/E13.5x
P/FCF27.8x
EV/EBITDA—
Dividend yield2.4%
Diluted EPS2.64

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense $130.4M$118.1M$101.5M$119.6M$4.6M$11.5M$22.2M$14.7M$8.6M—
Pre-tax income $92.7M$87.3M$72.0M$91.2M$82.6M$48.8M$60.9M$56.0M$50.0M—
Income tax $24.2M$22.8M$20.4M$28.6M$20.9M$12.4M$16.1M$14.7M$18.2M—
Net income $68.5M$64.5M$51.6M$62.6M$61.7M$36.4M$44.7M$41.3M$31.9M—
EPS, basic 2.662.552.052.462.411.421.821.711.34—
EPS, diluted 2.642.522.022.442.391.411.811.691.32—
Shares, diluted (wtd. avg.) 26.0M25.6M25.5M25.7M25.8M25.8M24.7M24.5M24.1M—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $383.7M$249.9M$144.8M$179.5M$441.3M$150.7M$276.4M$138.4M$95.8M$66.6M
Property, plant and equipment $29.9M$18.3M$18.1M$14.3M$13.1M$13.9M$14.5M$14.4M——
Goodwill $56.0M—————————
Other intangibles $12.6M—————————
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——
Retained earnings $402.7M$358.7M$315.4M$285.8M$238.6M$188.7M$162.6M$128.6M——
Total equity $544.2M$421.4M$381.5M$349.4M$290.2M$244.8M$216.7M$168.6M$135.1M$107.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $37.7M$63.5M$82.1M$134.7M$65.4M$142.6M$32.2M-$161.0M$151.8M—
Depreciation and amortisation $3.5M$3.0M$2.7M$3.9M$2.8M$2.9M$2.7M$899.0K$593.0K—
Capital expenditure $674.0K$1.3M$4.9M$2.4M$384.0K$537.0K$1.1M$2.9M$5.9M—
Investing cash flow $126.8M$5.9M-$110.3M-$651.8M-$930.6M-$477.9M-$18.3M$109.4M-$277.9M—
Financing cash flow -$30.7M$35.7M-$6.5M$255.3M$1.16B$209.6M$124.1M$94.2M$155.4M—
Dividends paid $24.8M$21.1M$18.2M$15.3M$11.8M$10.3M$10.4M$9.3M$5.4M—
Buybacks $2.7M$10.0K$2.0M$8.2M$5.5M—$1.5M———

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-045475.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M 80M Net income, FY2017: 31.9M Net income, FY2018: 41.3M Net income, FY2019: 44.7M Net income, FY2020: 36.4M Net income, FY2021: 61.7M Net income, FY2022: 62.6M Net income, FY2023: 51.6M Net income, FY2024: 64.5M Net income, FY2025: 68.5M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — — — — — — — — — —
Gross profit — — — — — — — — — —
Net income — $31.9M $41.3M $44.7M $36.4M $61.7M $62.6M $51.6M $64.5M $68.5M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event Item 8.01
  • Acquisition or disposal completed A purchase or sale of a significant business or asset has closed. Item 2.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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