Saturday 17 October 2026 Export MCBS’s income statement to Excel — free account

MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024. In the quarter to June 2026, revenue grew 27.4%, EPS grew 16.7%, free cash flow grew 45.9% and total debt fell 11.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five.

35.13 0.36 +1.04%

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Market cap: $1.0B
P/E: 12.0×
Fwd P/E: 10.4×
Dividend yield: 3.07%
F-score: 3/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 20.87%

Capital & Financial Ratios $m

Market Cap 1,000.00

Revenue 281.76

Net Income 79.85

Free Cash Flow 81.56

Net Debt 108.31

Current Ratio 1.21

Debt/Equity 0.66

P/E ratio 12.03

Fwd P/E 10.40

P/S ratio 3.58

P/B ratio 1.78

Past 5Y EPS Growth 13.36%

This Y EPS Growth 23.11%

Next Y EPS Growth 0.62%

Next Y revenue growth (17.69%)

Next 5Y EPS Growth 7.72%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 86.98%

10-year low 10-year high

P/S against its own 10 years 75.51%

10-year low 10-year high

P/B against its own 10 years 65.92%

10-year low 10-year high

Dividends

Payout Ratio 0.38

Annual Dividend Rate 1.08

Annual Dividend Yield 3.07%

	total	individual payouts
2027	Powerpack
2026	1.12	0.25 0.29 0.29
2025	0.96	0.23 0.23 0.25 0.25
2024	0.83	0.20 0.20 0.20 0.23
2023	0.72	0.18 0.18 0.18 0.18
2022	0.60	0.15 0.15 0.15 0.15
2021	0.46	0.10 0.10 0.12 0.14
2020	0.40	0.11 0.11 0.09 0.09
2019	0.42	0.10 0.10 0.11 0.11
2018	0.38	0.09 0.09 0.10 0.10
2017	0.23	0.05 0.05 0.05 0.08
2016	0.04	0.04

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	145	250	384	267
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,306	3,405	4,437	4,219

	2023	2024	2025	Q'26
Payables	2,731	2,737	3,646	3,489
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,735	2,740	3,657	3,497

Compound Annual Growth %

	10y	5y	3y
Sales	—	18.60%	14.16%
Cash Flow	—	(23.36%)	(34.59%)
Earnings	—	13.49%	3.06%
Book Value	—	17.32%	15.91%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	77	76	—	—	—
’25	58	60	60	68	246
’24	58	60	60	58	236
’23	52	52	51	55	211
’22	40	38	43	45	165
’21	31	34	39	38	142
’20	28	25	26	26	105

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	46	25	—	—	—
’25	12	14	16	(5)	38
’24	36	19	(11)	19	64
’23	26	47	18	(8)	82
’22	94	51	(2)	(9)	135
’21	25	25	4	11	65
’20	108	7	18	9	143

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	47	23	—	—	—
’25	12	16	16	(5)	39
’24	36	19	(12)	20	63
’23	28	46	16	(9)	81
’22	94	51	(3)	(10)	132
’21	25	25	5	11	66
’20	109	7	18	9	143

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.77	0.76	—	—	—
’25	0.63	0.65	0.67	0.68	2.64
’24	0.57	0.66	0.65	0.63	2.52
’23	0.62	0.51	0.45	0.44	2.02
’22	0.76	0.63	0.66	0.40	2.55
’21	0.50	0.56	0.66	0.68	2.39
’20	0.38	0.30	0.36	0.37	1.41

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	13.00	8.31	14.00	18.61	13.10	21.89	24.24	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	17.78	19.07	29.82	29.26	26.23	36.15	34.91
People
People	Employees	—	—	203	208	211	216	216	220	240	317
	Revenue/emp, $m	0.00	0.00	0.54	0.59	0.50	0.66	0.77	0.96	0.98	0.78
Income, $m
Income, $m	Revenue	57	93	111	123	105	142	165	211	236	246
	Gross margin, %	0.00	90.72	86.72	81.94	89.04	96.79	83.30	56.71	59.84	63.26
	EBT	32	50	56	61	49	83	91	72	87	93
	EBT margin, %	57.05	53.86	50.67	49.44	46.52	58.01	55.17	34.10	37.00	37.68
	Net income	20	32	41	45	36	62	63	52	65	69
	Depreciation	—	1	1	3	3	3	4	3	3	4
Per share, $
Per share, $	Revenue	2.40	3.89	4.57	5.02	4.09	5.57	6.51	8.37	9.33	9.56
	Earnings	0.86	1.34	1.71	1.82	1.41	2.41	2.58	2.05	2.55	2.67
	Cash flow	0.90	6.36	(6.66)	1.31	5.57	2.56	5.30	3.26	2.51	1.47
	Capex	0.00	(0.24)	(0.08)	(0.04)	0.04	0.02	(0.09)	(0.03)	0.00	0.07
	Free cash flow	0.90	6.12	(6.74)	1.27	5.60	2.58	5.21	3.22	2.51	1.53
	Book value	4.53	0.00	6.97	8.83	9.56	11.35	13.75	15.14	16.67	21.15
	Shares, m	24	24	24	25	26	26	25	25	25	26
Valuation, ×
Valuation, ×	P/E	6.98	4.56	4.26	9.59	10.15	11.42	8.76	11.86	12.53	9.94
	P/S	0.00	0.00	0.00	3.49	3.52	4.94	3.30	2.90	3.42	2.78
	P/B	0.00	0.00	2.37	1.98	1.51	2.43	1.56	1.61	1.92	1.26
	EV/Sales	0.00	0.00	0.00	1.64	3.14	5.36	4.49	3.76	3.95	3.29
	EV/FCF	0.00	0.00	0.00	6.47	2.29	11.56	5.60	9.76	14.70	20.50
Cash, $m
Cash, $m	Operating cash flow	21	152	(161)	32	143	65	135	82	64	38
	Capex	(3)	(6)	(2)	(1)	1	1	(2)	(1)	0	2
	Free cash flow	21	146	(163)	31	143	66	132	81	63	39
Balance, $m
Balance, $m	Working capital	—	—	107	228	301	677	565	571	665	781
	Total debt	223	125	4	63	110	500	375	325	375	510
	Net debt	223	125	(149)	(228)	(40)	59	196	180	125	126
	Shareholders’ equity	107	—	169	217	245	290	349	382	421	544
Returns, %
Returns, %	ROA	1.69	5.80	3.26	2.92	2.06	2.47	1.92	1.49	1.82	1.64
	ROIC	0.00	25.03	180.06	0.00	14.89	14.78	10.45	8.01	9.99	9.08
	ROE	16.71	26.36	27.23	23.21	15.77	23.06	19.57	14.12	16.07	14.20

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FSBC Five Star Bancorp	$1.1B	12.7×	12.1×	+18.93% (above 0%: growing)	+33.82% (above 0%: growing)	+32.43% (above 0%: growing)	64.63%	0.00%	Compare
CFFN Capitol Federal Financial	$1.0B	12.6×	11.9×	+6.50% (above 0%: growing)	+35.71% (above 0%: growing)	+45.71% (above 0%: growing)	53.81%	0.00%	Compare
BFST Business First Bancshares, Inc.	$1.0B	11.1×	9.9×	+8.01% (above 0%: growing)	0.00%	+80.82% (above 0%: growing)	65.76%	0.00%	Compare
MBWM Mercantile Bank Corporation	$1.0B	10.3×	9.6×	+5.11% (above 0%: growing)	+7.91% (above 0%: growing)	+246.97% (above 0%: growing)	70.02%	0.00%	Compare
MCBS MetroCity Bankshares, Inc.	$1.0B	12.0×	10.4×	+27.40% (above 0%: growing)	+16.67% (above 0%: growing)	+45.94% (above 0%: growing)	65.38%	0.00%
CCNE CNB Financial Corporation	$1.0B	11.0×	8.8×	+33.95% (above 0%: growing)	+49.18% (above 0%: growing)	+101.89% (above 0%: growing)	69.04%	0.00%	Compare
HBNC Horizon Bancorp (IN)	$992.5M	— (loss-making)	8.9×	−1.83% (below 0%: shrinking)	+4.26% (above 0%: growing)	+72.88% (above 0%: growing)	75.11%	0.00%	Compare
EQBK Equity Bancshares, Inc.	$961.3M	27.9×	10.2×	+39.99% (above 0%: growing)	+47.13% (above 0%: growing)	+40.78% (above 0%: growing)	70.70%	0.00%	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%	Compare
Median of peers	$1.0B	11.1×	9.7×	+7.26%	+34.77%	+76.85%	69.53%	0.00%

All 323 Banks Regional stocks →

MetroCity Bankshares, Inc. (MCBS) key facts

Strength: MetroCity Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $246.0 million, up 4.25% from fiscal 2024.
MetroCity Bankshares, Inc. (MCBS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, MCBS traded at $35.13, a market capitalization of $1.0 billion.
MetroCity Bankshares, Inc. pays an annual dividend of $1.08 per share, a yield of 3.07%, with a payout ratio of 37.5%.
Return on equity was 14.2% and debt-to-equity 0.66.
Its Piotroski F-score is 3 out of 9 for fiscal 2025.