NASDAQ : MCBS
MetroCity Bankshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 36.03 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.04B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 258.37M | 209.50M | 200.77M | 181.88M | 142.81M | 107.85M |
| Interest Income on Investments | 13.01M | 11.33M | 12.14M | 10.94M | 4.41M | 890.00K |
| Total Interest Income | 271.38M | 220.83M | 212.91M | 192.83M | 147.22M | 108.74M |
| Interest Paid on Deposits | 86.07M | 72.89M | 80.06M | 80.61M | 23.56M | 3.95M |
| Interest Paid on Borrowings | 17.30M | 17.48M | 14.71M | 10.74M | 4.05M | 624.00K |
| Total Interest Expense | 103.37M | 90.38M | 94.77M | 91.35M | 27.61M | 4.57M |
| Net Interest Income | 168.01M | 130.45M | 118.15M | 101.48M | 119.61M | 104.17M |
| Mortgage Banking Activities | 1.29M | 2.40M | 2.47M | -193.00K | -724.00K | -1.04M |
| Gain (Loss) on Sale of Investments | -346.00K | -346.00K | 35.00K | -35.00K | 1.10M | |
| Other Non-Interest Income | 13.28M | 14.51M | 13.65M | 13.21M | 11.50M | 21.61M |
| Total Non-Interest Income | 24.29M | 25.16M | 23.08M | 18.20M | 17.95M | 33.21M |
| Revenues Before Loan Losses | 192.30M | 155.61M | 141.23M | 119.68M | 137.57M | 137.38M |
| Provision for Loan Losses | -1.72M | -318.00K | 516.00K | -15.00K | -2.77M | 6.93M |
| Revenue | 194.02M | 155.93M | 140.71M | 119.70M | 140.33M | 130.45M |
| Salaries and Employee Benefits | 42.36M | 33.77M | 30.58M | 26.88M | 28.57M | 28.68M |
| Occupancy Expenses | 6.34M | 3.36M | 3.14M | 2.72M | 2.70M | 2.68M |
| Selling, General & Administrative | 8.54M | 7.53M | 6.94M | 6.43M | 5.79M | 5.41M |
| Other Non-Interest Expense | 18.72M | 13.88M | 12.72M | 11.69M | 12.22M | 11.53M |
| Total Non-Interest Expense | 75.97M | 58.53M | 53.38M | 47.73M | 49.28M | 48.31M |
| EBT Excluding Unusual Items | 118.05M | 97.40M | 87.33M | 71.97M | 91.05M | 82.14M |
| Asset Writedown | 20.00K | 20.00K | -20.00K | 163.00K | 478.00K | |
| Pretax Income | 111.93M | 92.69M | 87.31M | 71.97M | 91.22M | 82.62M |
| Income Tax Expense | 25.05M | 24.16M | 22.81M | 20.36M | 28.61M | 20.92M |
| Net Income | 86.88M | 68.53M | 64.50M | 51.61M | 62.60M | 61.70M |
| Net Income to Common | 86.88M | 68.53M | 64.50M | 51.61M | 62.60M | 61.70M |
| Basic Shares Outstanding | 28.22M | 25.73M | 25.28M | 25.21M | 25.41M | 25.57M |
| Diluted Shares Outstanding | 28.46M | 26.01M | 25.58M | 25.52M | 25.69M | 25.79M |
| EPS (Basic) | 3.08 | 2.66 | 2.55 | 2.05 | 2.46 | 2.41 |
| EPS (Diluted) | 3.06 | 2.64 | 2.52 | 2.02 | 2.44 | 2.39 |
| Dividend Per Share | 1.12 | 0.96 | 0.83 | 0.72 | 0.60 | 0.46 |
| Effective Tax Rate | 22.38% | 26.07% | 26.12% | 28.29% | 31.37% | 25.32% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 317.01M | 383.68M | 249.88M | 144.81M | 179.49M | 441.34M |
| Investment Securities | 40.88M | 41.33M | 21.30M | 21.75M | 21.76M | 26.70M |
| Trading Asset Securities | 4.26M | 6.34M | 21.79M | 31.78M | 28.83M | 510.00K |
| Mortgage-Backed Securities | 24.49M | 6.39M | 7.07M | 7.78M | 10.42M | |
| Total Investments | 45.14M | 72.17M | 49.48M | 60.61M | 58.37M | 37.63M |
| Gross Loans | 3.96B | 4.08B | 3.17B | 3.15B | 3.07B | 2.51B |
| Allowance for Loan Losses | -25.75M | -27.84M | -18.74M | -18.11M | -13.89M | -16.95M |
| Other Adjustments to Gross Loans | -9.21M | -26.43M | -7.38M | -8.86M | -9.64M | -6.44M |
| Net Loans | 3.93B | 4.02B | 3.14B | 3.12B | 3.04B | 2.49B |
| Property, Plant & Equipment | 39.36M | 45.07M | 26.13M | 26.60M | 22.72M | 22.41M |
| Goodwill | 56.05M | 56.05M | ||||
| Other Intangible Assets | 11.67M | 12.63M | ||||
| Loans Held for Sale | 9.74M | 22.27M | ||||
| Accrued Interest Receivable | 20.39M | 20.30M | 15.86M | 15.12M | 13.17M | 11.05M |
| Other Receivables | 19.90M | |||||
| Other Real Estate Owned & Foreclosed | 4.51M | 208.00K | 427.00K | 1.47M | 4.33M | 3.62M |
| Other Long-Term Assets | 154.44M | 97.54M | 92.84M | 90.11M | 89.87M | 82.29M |
| Total Assets | 4.60B | 4.77B | 3.59B | 3.50B | 3.43B | 3.11B |
| Interest Bearing Deposits | 2.73B | 2.07B | 1.68B | 1.73B | 1.66B | 1.53B |
| Institutional Deposits | 797.22M | 519.83M | 486.90M | 391.63M | 137.87M | |
| Non-Interest Bearing Deposits | 828.28M | 780.83M | 536.28M | 512.04M | 611.99M | 592.44M |
| Total Deposits | 3.56B | 3.65B | 2.74B | 2.73B | 2.67B | 2.26B |
| Short-Term Borrowings | 451.00K | 243.00K | 476.00K | 779.00K | 46.00K | |
| Current Portion of Leases | 3.69M | |||||
| Accrued Interest Payable | 5.80M | 10.73M | 3.50M | 4.13M | 2.74M | 204.00K |
| Long-Term Debt | 392.00K | 459.00K | ||||
| Federal Home Loan Bank Debt, Long-Term | 375.00M | 510.00M | 375.00M | 325.00M | 375.00M | 500.00M |
| Long-Term Leases | 13.35M | 11.61M | 7.94M | 8.65M | 8.88M | 9.86M |
| Other Long-Term Liabilities | 57.70M | 41.73M | 49.21M | 52.11M | 23.18M | 42.34M |
| Total Liabilities | 4.01B | 4.22B | 3.17B | 3.12B | 3.08B | 2.82B |
| Common Stock | 288.00K | 1.16M | 254.00K | 252.00K | 252.00K | 255.00K |
| Additional Paid-In Capital | 137.05M | 138.68M | 49.22M | 45.70M | 45.30M | 51.56M |
| Retained Earnings | 447.43M | 402.68M | 358.70M | 315.36M | 285.83M | 238.58M |
| Comprehensive Income & Other | -838.00K | 1.67M | 13.18M | 20.21M | 18.04M | -168.00K |
| Shareholders' Equity | 583.93M | 544.18M | 421.35M | 381.52M | 349.42M | 290.22M |
| Total Liabilities & Equity | 4.60B | 4.77B | 3.59B | 3.50B | 3.43B | 3.11B |
| Total Debt | 388.35M | 525.76M | 383.18M | 334.13M | 385.06M | 510.37M |
| Net Cash (Debt) | -67.07M | -135.74M | -111.52M | -157.54M | -176.74M | -68.52M |
| Net Cash Per Share | -2.36 | -5.22 | -4.36 | -6.17 | -6.88 | -2.66 |
| Filing Date Shares Outstanding | 28.78M | 28.76M | 25.40M | 25.21M | 25.14M | 25.47M |
| Total Common Shares Outstanding | 28.78M | 28.82M | 25.40M | 25.21M | 25.17M | 25.47M |
| Book Value Per Share | 20.29 | 18.88 | 16.59 | 15.14 | 13.88 | 11.40 |
| Tangible Book Value | 516.21M | 475.51M | 421.35M | 381.52M | 349.42M | 290.22M |
| Tangible Book Value Per Share | 17.94 | 16.50 | 16.59 | 15.14 | 13.88 | 11.40 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 68.53M | 64.50M | 51.61M | 62.60M | 61.70M | |
| Depreciation & Amortization | 3.51M | 2.96M | 2.69M | 3.88M | 2.81M | |
| Gain (Loss) on Sale of Assets | -28.00K | 436.00K | -307.00K | 15.00K | 108.00K | |
| Gain (Loss) on Sale of Investments | -346.00K | 35.00K | -35.00K | 1.09M | 114.00K | |
| Provision for Credit Losses | -318.00K | 516.00K | -15.00K | -2.77M | 6.93M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 3.09M | 2.94M | 3.30M | 99.00M | 10.95M | |
| Accrued Interest Receivable | -1.68M | -733.00K | -1.95M | -2.12M | -381.00K | |
| Change in Other Net Operating Assets | -31.27M | -4.65M | 25.29M | -24.42M | -4.18M | |
| Other Operating Activities | 643.00K | 350.00K | 1.01M | -2.96M | -3.07M | |
| Operating Cash Flow | 37.70M | 63.50M | 82.10M | 134.69M | 65.43M | |
| Capital Expenditures | -674.00K | -1.29M | -4.93M | -2.35M | -384.00K | |
| Investment in Securities | -5.36M | 640.00K | 1.27M | 2.89M | -19.39M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 123.71M | 7.66M | -110.36M | -646.60M | -875.71M | |
| Other Investing Activities | 9.16M | -1.14M | 3.76M | -5.75M | -35.07M | |
| Investing Cash Flow | 126.83M | 5.87M | -110.27M | -651.82M | -930.55M | |
| Long-Term Debt Issued | 100.00M | 450.00M | 425.00M | 525.00M | 640.00M | |
| Long-Term Debt Repaid | -50.00M | -400.00M | -475.39M | -650.07M | -250.02M | |
| Net Debt Issued (Repaid) | 50.00M | 50.00M | -50.39M | -125.07M | 389.98M | |
| Issuance of Common Stock | 900.00K | |||||
| Repurchase of Common Stock | -2.73M | -10.00K | -2.02M | -8.20M | -5.54M | |
| Common Dividends Paid | -24.84M | -21.05M | -18.20M | -15.29M | -11.79M | |
| Net Increase (Decrease) in Deposit Accounts | -51.77M | 5.86M | 64.10M | 403.82M | 783.13M | |
| Other Financing Activities | -1.39M | |||||
| Financing Cash Flow | -30.73M | 35.70M | -6.51M | 255.27M | 1.16B | |
| Net Cash Flow | 133.80M | 105.07M | -34.68M | -261.86M | 290.65M | |
| Free Cash Flow | 37.03M | 62.22M | 77.17M | 132.34M | 65.05M | |
| Free Cash Flow Margin | 23.75% | 44.21% | 64.47% | 94.30% | 49.86% | |
| Free Cash Flow Per Share | 1.42 | 2.43 | 3.02 | 5.15 | 2.52 | |
| Cash Interest Paid | 91.44M | 95.40M | 89.59M | 25.07M | 4.59M | |
| Cash Income Tax Paid | 21.78M | 21.50M | 17.97M | 34.31M | 23.51M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.06B | 676.26M | 809.35M | 605.45M | 547.43M | 701.06M |
| Last Close Price | 35.86 | 25.87 | 30.11 | 21.97 | 19.05 | 23.59 |
| PE Ratio | 12.00 | 9.87 | 12.55 | 11.73 | 8.74 | 11.36 |
| PS Ratio | 5.42 | 4.34 | 5.75 | 5.06 | 3.90 | 5.37 |
| PB Ratio | 1.77 | 1.24 | 1.92 | 1.59 | 1.57 | 2.42 |
| P/FCF Ratio | 13.00 | 18.26 | 13.01 | 7.85 | 4.14 | 10.78 |
| P/OCF Ratio | 12.80 | 17.94 | 12.75 | 7.38 | 4.06 | 10.71 |
| Debt / Equity Ratio | 0.67 | 0.97 | 0.91 | 0.88 | 1.10 | 1.76 |
| Debt / FCF Ratio | 14.20 | 6.16 | 4.33 | 2.91 | 7.85 | |
| Net Debt / Equity Ratio | 0.12 | 0.25 | 0.27 | 0.41 | 0.51 | 0.24 |
| Net Debt / FCF Ratio | 3.67 | 1.79 | 2.04 | 1.34 | 1.05 | |
| Return on Equity (ROE) | 16.87% | 14.20% | 16.07% | 14.12% | 19.57% | 23.06% |
| Return on Assets (ROA) | 2.11% | 1.64% | 1.82% | 1.49% | 1.92% | 2.47% |
| Earnings Yield | 8.33% | 10.13% | 7.97% | 8.53% | 11.44% | 8.80% |
| FCF Yield | 7.69% | 5.47% | 7.69% | 12.75% | 24.18% | 9.28% |
| Dividend Yield | 3.17% | 4.09% | 2.60% | 3.00% | 2.76% | 1.67% |
| Payout Ratio | 37.31% | 36.25% | 32.63% | 35.26% | 24.42% | 19.11% |
| Buyback Yield / Dilution | -10.77% | -1.65% | -0.25% | 0.66% | 0.39% | 0.04% |
| Total Shareholder Return | -7.59% | 2.44% | 2.36% | 3.66% | 3.15% | 1.71% |