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Friday 6 November 2026
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MetroCity Bankshares, Inc.
MCBS Financial Banks Regional
MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024.
- Revenue
- +23.2%
- EPS
- +23.5%
- Free cash flow
- −202.7%
- Total debt
- −11.8%
Quarter to September 2026, against a year earlier
35.99
0.09
−0.25%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
3 | 6 | 6 | 5 | 7 | 5 | — | — | — | — |
P/E ratio |
9.94 | 12.53 | 11.86 | 8.76 | 11.42 | 10.15 | 9.59 | 4.26 | 4.56 | 6.98 |
P/S ratio |
2.78 | 3.42 | 2.90 | 3.30 | 4.94 | 3.52 | 3.49 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
17.30 | 12.73 | 7.54 | 4.12 | 10.66 | 2.57 | 13.81 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
(132.90) | 41.92 | (73.84) | (61.26) | 66.79 | 41.57 | (5.43) | (2.81) | 0.00 | 0.00 |
P/B ratio |
1.26 | 1.92 | 1.61 | 1.56 | 2.43 | 1.51 | 1.98 | 2.37 | 0.00 | 0.00 |
Price to Tangible BV |
1.44 | 1.92 | 1.61 | 1.56 | 2.43 | 1.51 | 1.98 | 2.37 | 0.00 | 0.00 |
EV/Sales |
3.29 | 3.95 | 3.76 | 4.49 | 5.36 | 3.14 | 1.64 | 0.00 | 0.00 | 0.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
21.47 | 14.69 | 9.66 | 5.51 | 11.66 | 2.31 | 6.25 | 0.00 | 0.00 | 0.00 |
EV/FCF |
20.50 | 14.70 | 9.76 | 5.60 | 11.56 | 2.29 | 6.47 | 0.00 | 0.00 | 0.00 |
Quick Ratio |
0.10 | 0.09 | 0.05 | 0.07 | 0.20 | 0.10 | 0.22 | 0.12 | — | — |
Current Ratio |
1.21 | 1.24 | 1.21 | 1.21 | 1.30 | 1.20 | 1.17 | 1.09 | — | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.70% | 10.43% | 9.28% | 10.95% | 16.11% | 5.82% | 3.87% | 0.30% | 0.00% | 20.27% |
Debt/Equity |
0.94 | 0.89 | 0.85 | 1.07 | 1.72 | 0.45 | 0.29 | 0.03 | 0.00 | 2.08 |
Asset Turnover |
0.06 | 0.07 | 0.06 | 0.05 | 0.06 | 0.06 | 0.08 | 0.09 | 0.17 | 0.05 |
Operating CF/Net income |
0.55 | 0.98 | 1.59 | 2.15 | 1.06 | 3.92 | 0.72 | (3.89) | 4.76 | 1.06 |
Capex/Depreciation |
0.50 | (0.01) | (0.31) | (0.60) | 0.21 | 0.31 | (0.40) | (2.17) | (9.75) | — |
| 14.20% | 16.07% | 14.12% | 19.57% | 23.06% | 15.77% | 23.21% | 27.23% | 26.36% | 16.71% | |
| 1.64% | 1.82% | 1.49% | 1.92% | 2.47% | 2.06% | 2.92% | 3.26% | 5.80% | 1.69% | |
ROIC |
9.08% | 9.99% | 8.01% | 10.45% | 14.78% | 14.89% | 0.00% | 180.06% | 25.03% | 0.00% |
Return on Tangible Assets |
8.46% | 9.45% | 8.76% | 10.81% | 8.94% | 11.54% | 18.42% | 34.14% | 265.81% | 288.80% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
23.66% | 22.84% | 22.61% | 28.13% | 38.78% | 42.52% | 32.49% | 36.05% | 36.86% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.18% | 1.11% | 1.15% | 1.17% | 1.00% | 1.74% | 1.24% | 1.36% | 0.77% | 0.00% |
Graham Net Nets |
0.31 | 0.29 | 0.30 | 0.29 | 0.18 | 0.35 | 0.28 | 0.22 | 0.00 | 0.00 |
Graham Number |
35.64 | 30.92 | 26.42 | 27.56 | 24.81 | 17.48 | 19.05 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
10.06% | 7.98% | 8.43% | 11.42% | 8.75% | 9.85% | 10.43% | 23.45% | 21.91% | 14.33% |
Free Cash Flow Yield |
5.78% | 7.86% | 13.26% | 24.24% | 9.38% | 38.85% | 7.24% | 0.00% | 0.00% | 0.00% |
Revenue per Share |
9.56 | 9.33 | 8.37 | 6.51 | 5.57 | 4.09 | 5.02 | 4.57 | 3.89 | 2.40 |
Operating CF per Share |
1.47 | 2.51 | 3.26 | 5.30 | 2.56 | 5.57 | 1.31 | (6.66) | 6.36 | 0.90 |
Capex per Share |
0.07 | 0.00 | (0.03) | (0.09) | 0.02 | 0.04 | (0.04) | (0.08) | (0.24) | 0.00 |
Free Cash Flow per Share |
1.53 | 2.51 | 3.22 | 5.21 | 2.58 | 5.60 | 1.27 | (6.74) | 6.12 | 0.90 |
Cash per Share |
14.91 | 9.88 | 5.75 | 7.06 | 17.26 | 5.88 | 11.88 | 6.34 | 0.00 | 0.00 |
Shareholders Equity per Share |
21.15 | 16.67 | 15.14 | 13.75 | 11.35 | 9.56 | 8.83 | 6.97 | 0.00 | 4.53 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.15 | 16.67 | 15.14 | 13.75 | 11.35 | 9.56 | 8.83 | 6.97 | 0.00 | 4.53 |
Free Cash Flow |
39.47 | 63.48 | 81.28 | 132.38 | 66.04 | 143.48 | 31.10 | (162.94) | 146.03 | 21.35 |
Working Capital |
780.54 | 664.63 | 571.12 | 564.88 | 677.29 | 301.46 | 228.36 | 106.70 | — | — |
Capital Expenditures |
1.77 | (0.02) | (0.82) | (2.31) | 0.60 | 0.92 | (1.10) | (1.95) | (5.78) | (3.46) |
Net Current Asset Value |
213.05 | 232.23 | 184.88 | 156.64 | 124.58 | 128.91 | 121.50 | 88.14 | 0.00 | (993.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.01) | 0.00 | 0.00 | 0.01 | 0.00 | (0.01) | 0.01 | 0.02 | 0.06 | 0.00 |
Price to Operating Income |
7.01 | 9.25 | 8.52 | 5.99 | 8.52 | 7.57 | 7.06 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.16 | 0.15 | 0.27 | 0.22 | 0.21 | 0.19 | 0.06 | 0.05 | 0.00 |
Cash ROIC |
2.75% | 6.07% | 9.55% | 14.64% | 5.36% | 28.36% | 5.44% | (49.94%) | 116.83% | 6.47% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 | 0.00 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
14,724.55 | 10,540.92 | 10,912.02 | 35,256.47 | 180,665.42 | 47,015.36 | 21,458.43 | 30,946.83 | 0.00 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Payables |
3,191.40 | 2,733.87 | 2,698.89 | 2,464.93 | 1,871.45 | 1,393.63 | 1,275.80 | 1,275.80 | — | — |
Average Assets |
4,181.22 | 3,548.43 | 3,465.03 | 3,266.70 | 2,501.82 | 1,764.67 | 1,532.25 | 1,266.33 | 550.00 | 1,194.50 |
Average Common Equity |
482.77 | 401.44 | 365.47 | 319.82 | 267.53 | 230.78 | 192.67 | 151.80 | 121.00 | 121.00 |
Columns are period end dates · fundamentals updated 5 Nov 2026