MetroCity Bankshares, Inc. (MCBS) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, MetroCity Bankshares reported revenue of $155.6M, up 10.2% from $141.2M the year before. Net income was $68.5M (a 44.0% net margin), or $2.64 per diluted share. Net interest income was $130.4M, and the efficiency ratio (noninterest expense / revenue) was 40.6%. Operating activities generated $37.7M of cash, leaving $37.0M of free cash flow. At fiscal year end, MetroCity Bankshares held $4.77B in total assets against $4.22B in total liabilities, including $383.7M of cash and equivalents.
Open the full interactive MetroCity Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
MetroCity Bankshares Key Stats
| Share Price | $34.64 |
|---|---|
| Market Cap | $1.00B |
| P/E Ratio | 13.1 |
| Revenue YoY Growth | +10.2% |
| 52-Week Range | $24.09 – $36.77 |
| Shares Outstanding | 28.7 million (basic, 2026 Q2) |
MetroCity Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $66.1M | $104.2M | $119.6M | $101.5M | $118.1M | $130.4M |
| Provision for Credit Losses | $3.5M | $6.9M | -$2.8M | -$92,000 | $668,000 | -$336,000 |
| Noninterest Income | $27.2M | $33.8M | $19.2M | $18.2M | $23.1M | $25.2M |
| Noninterest Expense | $41.1M | $48.4M | $50.4M | $47.7M | $53.4M | $63.3M |
| Revenue | $93.3M | $138.0M | $138.8M | $119.7M | $141.2M | $155.6M |
| Pre-Tax Income | $48.8M | $82.6M | $91.2M | $72.0M | $87.3M | $92.7M |
| Income Tax | $12.4M | $20.9M | $28.6M | $20.4M | $22.8M | $24.2M |
| Net Income | $36.4M | $61.7M | $62.6M | $51.6M | $64.5M | $68.5M |
| Diluted EPS | $1.41 | $2.39 | $2.44 | $2.02 | $2.52 | $2.64 |
MetroCity Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $38.0M | $43.7M | $50.8M | $49.8M |
| Net Income | $17.3M | $18.1M | $22.3M | $22.1M |
| Diluted EPS | $0.67 | $0.70 | $0.77 | $0.76 |
MetroCity Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $150.7M | $441.3M | $179.5M | $144.8M | $249.9M | $383.7M |
| Loans (Net) | $1.62B | $2.49B | $3.04B | — | — | — |
| Total Assets | $1.90B | $3.11B | $3.43B | $3.50B | $3.59B | $4.77B |
| Deposits | $1.48B | $2.26B | $2.67B | $2.73B | $2.74B | $3.65B |
| Total Long-Term Debt | $110.5M | $500.5M | $375.4M | $325.0M | $375.0M | $510.0M |
| Total Liabilities | $1.65B | $2.82B | $3.08B | $3.12B | $3.17B | $4.22B |
| Shareholders' Equity | $244.8M | $290.2M | $349.4M | $381.5M | $421.4M | $544.2M |
MetroCity Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $142.6M | $65.4M | $134.7M | $82.1M | $63.5M | $37.7M |
| Cash From Investing | -$477.9M | -$930.6M | -$651.8M | -$110.3M | $5.9M | $126.8M |
| Cash From Financing | $209.6M | $1.16B | $255.3M | -$6.5M | $35.7M | -$30.7M |
| Free Cash Flow | $142.0M | $65.0M | $132.3M | $77.2M | $62.2M | $37.0M |
Figures from MetroCity Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full MetroCity Bankshares financials page for every line item.
MetroCity Bankshares Company Profile
| Ticker | MCBS |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Doraville, Georgia |
| Incorporated in | Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001747068 |
Frequently Asked Questions
What was MetroCity Bankshares' revenue in fiscal 2025?
MetroCity Bankshares (MCBS) reported revenue of $155.6M for fiscal 2025.
What is MetroCity Bankshares' annual revenue history?
MetroCity Bankshares' annual revenue by fiscal year: 2020: $93.3M; 2021: $138.0M; 2022: $138.8M; 2023: $119.7M; 2024: $141.2M; 2025: $155.6M.
What was MetroCity Bankshares' net income in fiscal 2025?
MetroCity Bankshares reported net income of $68.5M for fiscal 2025.
What was MetroCity Bankshares' earnings per share (EPS) in fiscal 2025?
MetroCity Bankshares' diluted EPS was $2.64 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did MetroCity Bankshares generate in fiscal 2025?
MetroCity Bankshares generated $37.0M of free cash flow in fiscal 2025.
What was MetroCity Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), MetroCity Bankshares reported revenue of $49.8M.
How much debt does MetroCity Bankshares have?
MetroCity Bankshares reported $510.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of MetroCity Bankshares are outstanding?
MetroCity Bankshares reported a weighted average of 28.7 million basic shares outstanding in 2026 Q2.
What is MetroCity Bankshares' market cap?
Based on its latest closing price, MetroCity Bankshares (MCBS) has a market capitalization of about $1.00B.
When does MetroCity Bankshares' fiscal year end?
MetroCity Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is MetroCity Bankshares headquartered?
MetroCity Bankshares lists its business address in Doraville, Georgia in its SEC filings.