What is Metrocity Bankshares Inc's earnings per share (EPS)?

Metrocity Bankshares Inc (MCBS) reported diluted earnings per share of $2.64 for fiscal year 2025. This represents a 4.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Metrocity Bankshares Inc Financials

MCBS

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Metrocity Bankshares Inc (MCBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MCBS FY2025 2026-05-08

MetroCity’s FY2025 balance-sheet expansion outpaced profit growth, leaving asset productivity lower even as reported earnings and capital both rose.

From FY2024 to FY2025, total assets jumped by $1.2B while net income rose only $4.0M. That gap pushed return on assets down from 1.8% to 1.4%, showing the balance sheet expanded faster than earnings capacity.

Equity capital climbed from $421.4M to $544.2M between FY2024 and FY2025, so growth was accompanied by a larger loss-absorbing base. That helps explain why return on equity eased from 15.3% to 12.6%: profit increased, but the capital supporting it grew even faster.

The sharper change is cash conversion: free cash flow was $37.0M against net income of $68.5M, a much wider gap than the prior year. With dividends paid at $24.8M and buybacks only $2.7M, internally generated cash left less room to both return capital and fund expansion from the year’s own cash harvest.

Financial Health Signals

Financial Profile 7/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Metrocity Bankshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

Metrocity Bankshares Inc has elevated debt relative to equity (D/E of 7.76), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Metrocity Bankshares Inc's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 15.3% the prior year.

Piotroski F-Score Weak

2/9

Metrocity Bankshares Inc passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality Mixed

0.55x

For every $1 of reported earnings, Metrocity Bankshares Inc generates $0.55 in operating cash flow ($37.7M OCF vs $68.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$68.5M

YoY+6.2%

5Y CAGR+13.5%

Metrocity Bankshares Inc reported $68.5M in net income in fiscal year 2025. This represents an increase of 6.2% from the prior year.

EPS (Diluted)

$2.64

YoY+4.8%

5Y CAGR+13.4%

Metrocity Bankshares Inc earned $2.64 per diluted share (EPS) in fiscal year 2025. This represents an increase of 4.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$37.0M

YoY-40.5%

5Y CAGR-23.6%

Metrocity Bankshares Inc generated $37.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 40.5% from the prior year.

Cash & Debt

$383.7M

YoY+53.5%

5Y CAGR+20.6%

Metrocity Bankshares Inc held $383.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.96

YoY+15.7%

Metrocity Bankshares Inc paid $0.96 per share in dividends in fiscal year 2025. This represents an increase of 15.7% from the prior year.

Shares Outstanding

29M

YoY+13.4%

5Y CAGR+2.3%

Metrocity Bankshares Inc had 29M shares outstanding in fiscal year 2025. This represents an increase of 13.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

12.6%

YoY-2.7pp

5Y CAGR-2.3pp

Metrocity Bankshares Inc's ROE was 12.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.7M

YoY+27170.0%

Metrocity Bankshares Inc spent $2.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 27170.0% from the prior year.

Capital Expenditures

$674K

YoY-47.6%

5Y CAGR+4.6%

Metrocity Bankshares Inc invested $674K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 47.6% from the prior year.

MCBS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$36.7M+10.4%	$33.2M+13.3%	$29.3M-3.9%	$30.5M+1.3%	$30.1M+18.1%	$25.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$90.4M-4.6%	$94.8M+3.7%	$91.3M+230.9%	$27.6M+503.9%	$4.6M-60.2%	$11.5M
Income Tax	$24.2M+5.9%	$22.8M+12.0%	$20.4M-28.9%	$28.6M+36.8%	$20.9M+69.1%	$12.4M
Net Income	$68.5M+6.2%	$64.5M+25.0%	$51.6M-17.6%	$62.6M+1.5%	$61.7M+69.5%	$36.4M
EPS (Diluted)	$2.64+4.8%	$2.52+24.8%	$2.02-17.2%	$2.44+2.1%	$2.39+69.5%	$1.41

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$848K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$11.5M	N/A	$9.0M+4.7%	$8.6M+0.7%	$8.5M	N/A	$8.5M+5.8%	$8.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$26.5M	N/A	$22.2M+1.6%	$21.9M-0.4%	$22.0M	N/A	$23.5M+0.6%	$23.4M
Income Tax	$7.9M	N/A	$6.6M-4.0%	$6.8M+18.4%	$5.8M	N/A	$6.0M-7.3%	$6.4M
Net Income	$22.3M	N/A	$17.3M+2.6%	$16.8M+3.2%	$16.3M	N/A	$16.7M-1.4%	$16.9M
EPS (Diluted)	$0.77	N/A	$0.67+3.1%	$0.65+3.2%	$0.63	N/A	$0.65-1.5%	$0.66

MCBS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.8B+32.7%	$3.6B+2.6%	$3.5B+2.2%	$3.4B+10.3%	$3.1B+63.7%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$383.7M+53.5%	$249.9M+72.6%	$144.8M-19.3%	$179.5M-59.3%	$441.3M+192.9%	$150.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$56.0M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.2B+33.1%	$3.2B+1.6%	$3.1B+1.4%	$3.1B+9.3%	$2.8B+70.4%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$544.2M+29.2%	$421.4M+10.4%	$381.5M+9.2%	$349.4M+20.4%	$290.2M+18.5%	$244.8M
Retained Earnings	$402.7M+12.3%	$358.7M+13.7%	$315.4M+10.3%	$285.8M+19.8%	$238.6M+26.4%	$188.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$4.7B-1.7%	$4.8B+31.4%	$3.6B+0.4%	$3.6B-1.2%	$3.7B+1.8%	$3.6B+0.7%	$3.6B-1.3%	$3.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$387.6M+1.0%	$383.7M+68.9%	$227.2M-20.6%	$286.0M+0.3%	$285.1M+14.1%	$249.9M-14.2%	$291.2M-11.2%	$327.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$56.0M0.0%	$56.0M	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.1B-2.1%	$4.2B+32.7%	$3.2B+0.1%	$3.2B-1.6%	$3.2B+1.9%	$3.2B+0.3%	$3.2B-1.4%	$3.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$554.2M+1.8%	$544.2M+22.0%	$445.9M+2.2%	$436.1M+1.9%	$428.0M+1.6%	$421.4M+3.5%	$407.2M0.0%	$407.2M
Retained Earnings	$417.8M+3.7%	$402.7M+3.0%	$391.0M+2.9%	$380.0M+3.0%	$369.1M+2.9%	$358.7M+3.0%	$348.3M+3.4%	$336.7M

MCBS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$37.7M-40.6%	$63.5M-22.7%	$82.1M-39.0%	$134.7M+105.9%	$65.4M-54.1%	$142.6M
Capital Expenditures	$674K-47.6%	$1.3M-73.9%	$4.9M+109.5%	$2.4M+513.0%	$384K-28.5%	$537K
Free Cash Flow	$37.0M-40.5%	$62.2M-19.4%	$77.2M-41.7%	$132.3M+103.4%	$65.0M-54.2%	$142.0M
Investing Cash Flow	$126.8M+2061.4%	$5.9M+105.3%	-$110.3M+83.1%	-$651.8M+30.0%	-$930.6M-94.7%	-$477.9M
Financing Cash Flow	-$30.7M-186.1%	$35.7M+648.1%	-$6.5M-102.6%	$255.3M-77.9%	$1.2B+451.5%	$209.6M
Dividends Paid	$24.8M+18.0%	$21.1M+15.7%	$18.2M+19.0%	$15.3M+29.7%	$11.8M+14.7%	$10.3M
Share Buybacks	$2.7M+27170.0%	$10K-99.5%	$2.0M-75.4%	$8.2M+47.8%	$5.5M	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$45.8M+991.4%	-$5.1M-131.2%	$16.5M+14.0%	$14.5M+21.3%	$11.9M-38.2%	$19.3M+267.7%	-$11.5M-159.3%	$19.4M
Capital Expenditures	N/A	$225K-13.8%	$261K+121.2%	$118K+68.6%	$70K-82.9%	$409K+46.1%	$280K-20.9%	$354K
Free Cash Flow	N/A	-$5.4M-133.1%	$16.2M+13.2%	$14.3M+21.0%	$11.8M-37.2%	$18.9M+260.3%	-$11.8M-161.9%	$19.0M
Investing Cash Flow	$74.1M-58.6%	$179.0M+348.4%	-$72.0M-280.5%	$39.9M+299.5%	-$20.0M+71.2%	-$69.4M-2642.6%	$2.7M-97.2%	$97.7M
Financing Cash Flow	-$116.0M-569.9%	-$17.3M-427.4%	-$3.3M+93.9%	-$53.4M-223.4%	$43.3M+394.4%	$8.8M+131.4%	-$27.9M+42.0%	-$48.0M
Dividends Paid	$7.2M+14.6%	$6.3M-8.6%	$6.9M+17.7%	$5.8M0.0%	$5.8M+0.3%	$5.8M+13.3%	$5.1M+2.0%	$5.0M
Share Buybacks	$4.4M+64.8%	$2.7M	$0	N/A	N/A	$0	$0	N/A

MCBS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	12.6%-2.7pp	15.3%+1.8pp	13.5%-4.4pp	17.9%-3.3pp	21.3%+6.4pp	14.9%
Return on Assets	1.4%-0.3pp	1.8%+0.3pp	1.5%-0.4pp	1.8%-0.2pp	2.0%+0.1pp	1.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.76+0.2	7.53-0.7	8.18-0.6	8.81-0.9	9.70+3.0	6.75
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	2631.4%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	4.0%	N/A	3.9%0.0pp	3.9%+0.1pp	3.8%	N/A	4.1%-0.1pp	4.2%
Return on Assets	0.5%	N/A	0.5%0.0pp	0.5%+0.0pp	0.4%	N/A	0.5%0.0pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.46-0.3	7.76+0.6	7.14-0.2	7.29-0.3	7.55+0.0	7.53-0.2	7.77-0.1	7.88
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Metrocity Bankshares Inc profitable?

Yes, Metrocity Bankshares Inc (MCBS) reported a net income of $68.5M in fiscal year 2025.

Does Metrocity Bankshares Inc pay dividends?

Yes, Metrocity Bankshares Inc (MCBS) paid $0.96 per share in dividends during fiscal year 2025.

What is Metrocity Bankshares Inc's return on equity (ROE)?

Metrocity Bankshares Inc (MCBS) has a return on equity of 12.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Metrocity Bankshares Inc's free cash flow?

Metrocity Bankshares Inc (MCBS) generated $37.0M in free cash flow during fiscal year 2025. This represents a -40.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Metrocity Bankshares Inc's operating cash flow?

Metrocity Bankshares Inc (MCBS) generated $37.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Metrocity Bankshares Inc's total assets?

Metrocity Bankshares Inc (MCBS) had $4.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Metrocity Bankshares Inc's capital expenditures?

Metrocity Bankshares Inc (MCBS) invested $674K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Metrocity Bankshares Inc buy back shares?

Yes, Metrocity Bankshares Inc (MCBS) spent $2.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Metrocity Bankshares Inc have outstanding?

Metrocity Bankshares Inc (MCBS) had 29M shares outstanding as of fiscal year 2025.

What is Metrocity Bankshares Inc's debt-to-equity ratio?

Metrocity Bankshares Inc (MCBS) had a debt-to-equity ratio of 7.76 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Metrocity Bankshares Inc's return on assets (ROA)?

Metrocity Bankshares Inc (MCBS) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Metrocity Bankshares Inc's Piotroski F-Score?

Metrocity Bankshares Inc (MCBS) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Metrocity Bankshares Inc's earnings high quality?

Metrocity Bankshares Inc (MCBS) has an earnings quality ratio of 0.55x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Metrocity Bankshares Inc?

Metrocity Bankshares Inc (MCBS) scores 7 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.