MCBS

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MetroCity Bankshares, Inc.

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Key Metrics

Previous Close: $35.34
52-Week Range: $24.53 – $37.46
Market Cap: $1.02B
P/E (TTM): 12.54
EPS (TTM): 2.83
Dividend Yield: 3.05%

Advanced Metrics

Price/Book: 1.84
PEG Ratio: —
Return on Equity: 15.91%
Return on Assets: 1.96%
Gross Margin: 0.00%
Operating Margin: 61.08%
Profit Margin: 43.28%
Current Ratio: —
Debt/Equity: —
Total Debt: $389.56M
Free Cash Flow: —
Revenue Growth: 33.90%
Earnings Growth: 16.90%
Enterprise Value: $1.14B

MCBS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$134.68M	$118.03M	$139.66M	$153.42M
Selling, General & Admin	$32.90M	$32.12M	$36.20M	$39.81M
Pretax Income	$91.22M	$71.97M	$87.31M	$92.69M
Income Tax	$28.61M	$20.36M	$22.81M	$24.16M
Net Income	$62.60M	$51.61M	$64.50M	$68.53M
Diluted EPS	2.55	2.02	2.52	2.64
Diluted Shares	25.69M	25.52M	25.58M	26.01M

MCBS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$150.96M	$142.15M	$236.34M	$370.83M
Receivables	$13.17M	$15.13M	$15.86M	$20.30M
Total Assets	$3.43B	$3.50B	$3.59B	$4.77B
Long-Term Debt	$375.39M	$325.00M	$375.00M	$375.00M
Total Debt	$384.28M	$333.65M	$382.94M	$525.31M
Total Liabilities	$3.08B	$3.12B	$3.17B	$4.22B
Retained Earnings	$285.83M	$315.36M	$358.70M	$402.68M
Shareholders' Equity	$349.42M	$381.52M	$421.35M	$544.18M
Net Debt	$224.43M	$182.85M	$138.66M	$139.17M

MCBS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$134.69M	$82.10M	$63.50M	$37.70M
Capital Expenditure	-$2.35M	-$4.93M	-$1.29M	-$674.00K
Free Cash Flow	$132.34M	$77.17M	$62.22M	$37.03M
Depreciation & Amortisation	$3.88M	$2.69M	$2.96M	$3.51M
Stock-Based Compensation	$1.93M	$2.42M	$2.63M	$2.91M
Investing Cash Flow	-$651.82M	-$110.27M	$5.87M	$126.83M
Financing Cash Flow	$255.27M	-$6.51M	$35.70M	-$30.73M
Dividends Paid	-$15.29M	-$18.20M	-$21.05M	-$24.84M
Share Repurchases	-$8.20M	-$2.02M	-$10.00K	-$2.73M
Net Change in Cash	-$261.86M	-$34.68M	$105.07M	$133.80M

MCBS Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$37.91M	$37.97M	$41.53M	$50.84M	—
Selling, General & Admin	$8.70M	$9.11M	$13.33M	$11.72M	—
Pretax Income	$23.67M	$23.84M	$23.11M	$30.22M	—
Income Tax	$6.84M	$6.57M	$4.97M	$7.91M	—
Net Income	$16.83M	$17.27M	$18.14M	$22.31M	—
Diluted EPS	0.65	0.67	0.68	0.77	0.76
Diluted Shares	25.72M	25.81M	26.81M	29.05M	28.95M

MCBS Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$272.32M	$273.60M	$213.94M	$370.83M	$373.96M
Receivables	$16.50M	$16.53M	$16.91M	$20.30M	$20.30M
Total Assets	$3.66B	$3.62B	$3.63B	$4.77B	$4.69B
Long-Term Debt	$425.00M	$425.00M	$425.00M	$375.00M	$425.00M
Total Debt	$432.96M	$433.22M	$432.70M	$525.31M	$439.52M
Total Liabilities	$3.23B	$3.18B	$3.18B	$4.22B	$4.13B
Retained Earnings	$369.11M	$380.05M	$390.97M	$402.68M	$417.75M
Shareholders' Equity	$427.97M	$436.10M	$445.89M	$544.18M	$554.16M
Net Debt	$152.68M	$151.40M	$211.06M	$139.17M	$51.04M

MCBS Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$11.91M	$14.45M	$16.48M	-$5.14M	$45.81M
Capital Expenditure	-$70.00K	-$118.00K	-$261.00K	-$225.00K	—
Free Cash Flow	$11.84M	$14.33M	$16.22M	-$5.36M	$45.81M
Depreciation & Amortisation	$832.00K	$850.00K	$970.00K	$859.00K	$686.00K
Stock-Based Compensation	$429.00K	$599.00K	$939.00K	$940.00K	$426.00K
Investing Cash Flow	-$20.00M	$39.91M	-$72.05M	$178.97M	$74.09M
Financing Cash Flow	$43.27M	-$53.41M	-$3.28M	-$17.31M	-$115.97M
Dividends Paid	-$5.84M	-$5.84M	-$6.87M	-$6.29M	-$7.20M
Share Repurchases	$0.00	-$31.00K	$0.00	-$2.70M	-$4.44M
Net Change in Cash	$35.18M	$956.00K	-$58.85M	$156.52M	$3.92M

Market Snapshot

About

MetroCity Bankshares, Inc. is a bank holding company operating through Metro City Bank, a community-oriented commercial bank serving businesses and individuals in the metro Atlanta and Birmingham areas. The company focuses on relationship banking with small to medium-sized businesses, commercial real estate lending, and personalized deposit services.