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 (MCBS) Financials

MCBS

FY2025 annual

Revenue $155.6M +10.2% YoY

Net Income $68.5M +6.2% YoY

EPS (Diluted) $2.64 +4.8% YoY

Free Cash Flow $37.0M -40.5% YoY

Market Cap $992.1M as of Oct 14, 2026

Price / Sales 5.4x on $182.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.4x on $79.9M net income, trailing 12 months to June 30, 2026

Price / Book 1.7x on $567.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MCBS SEC filings page.

METROCITY BANKSHARES INC (MCBS) reported $155.6M in revenue for fiscal year 2025, up 10.2% from the prior fiscal year. This page shows its 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 2026-10-04

MetroCity expanded its balance sheet sharply in FY2025, but earnings and reported cash generation lagged that expansion.

Assets expanded 32.7% in FY2025, while net income rose only 6.2%, revealing that balance-sheet growth was not translating proportionally into earnings. That mismatch pulled ROA from 1.8% to 1.4%, meaning the enlarged asset base produced less profit per asset dollar.

Total liabilities grew 33.1% in FY2025, faster than equity at 29.1%. Debt-to-equity consequently edged up to 7.8x after declining through FY2024, leaving the expansion more dependent on liabilities than the prior year despite a larger equity base.

In FY2025, operating cash flow of $37.7M was only 55.0% of net income, making reported cash conversion much weaker than accounting profitability. Free cash flow of $37.0M nearly matched operating cash flow, so the gap was not primarily a reinvestment burden but a weaker conversion of reported earnings into cash.

Financial Health Signals

Financial Health Score 82/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

METROCITY BANKSHARES INC earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.8% the prior year. Earnings ranks banks on that return over three years, and METROCITY BANKSHARES INC scores 87/100 among other banks.

Growth

METROCITY BANKSHARES INC reported revenue of $155.6M in fiscal year 2025, against $141.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and METROCITY BANKSHARES INC scores 71/100 among other banks.

Capital

METROCITY BANKSHARES INC funded 11.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $544.2M of equity against $4.8B of assets. Capital ranks banks on that cushion, and METROCITY BANKSHARES INC scores 52/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. METROCITY BANKSHARES INC scores 96/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. METROCITY BANKSHARES INC scores 95/100 on it among other banks.

Stability

METROCITY BANKSHARES INC reported net income of $68.5M in fiscal year 2025, against $64.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and METROCITY BANKSHARES INC scores 90/100 among other banks.

Piotroski F-Score Partial

2/6

METROCITY BANKSHARES INC passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

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

$49.8M

YoY+31.3%

QoQ-2.1%

5Y CAGR+8.3%

METROCITY BANKSHARES INC generated $49.8M in revenue in Q2 2026. This represents an increase of 31.3% from the same quarter a year earlier. Against the prior quarter it is down 2.1%.

Net Income

$22.1M

YoY+31.5%

QoQ-0.8%

5Y CAGR+9.0%

METROCITY BANKSHARES INC reported $22.1M in net income in Q2 2026. This represents an increase of 31.5% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

EPS (Diluted)

$0.76

YoY+16.9%

QoQ-1.3%

5Y CAGR+6.3%

METROCITY BANKSHARES INC earned $0.76 per diluted share (EPS) in Q2 2026. This represents an increase of 16.9% from the same quarter a year earlier. Against the prior quarter it is down 1.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$266.7M

YoY-6.8%

QoQ-31.2%

5Y CAGR-3.2%

METROCITY BANKSHARES INC held $266.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.29

YoY+26.1%

QoQ+16.0%

METROCITY BANKSHARES INC paid $0.29 per share in dividends in Q2 2026. This represents an increase of 26.1% from the same quarter a year earlier. Against the prior quarter it is up 16.0%.

Shares Outstanding

29M

YoY+12.7%

QoQ+0.4%

5Y CAGR+2.5%

METROCITY BANKSHARES INC had 29M shares outstanding in Q2 2026. This represents an increase of 12.7% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

44.4%

YoY+0.1pp

QoQ+0.6pp

5Y change+1.4pp

METROCITY BANKSHARES INC's net profit margin was 44.4% in Q2 2026, showing the share of revenue converted to profit. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Return on Equity

3.9%

YoY0.0pp

QoQ-0.1pp

5Y change-1.6pp

METROCITY BANKSHARES INC's ROE was 3.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

METROCITY BANKSHARES INC repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

MCBS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MCBS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$182.4M	$155.6M+10.2%	$141.2M+18.0%	$119.7M-13.1%	$137.7M-0.1%	$137.9M+47.7%	$93.3M-7.5%	$100.9M+5.2%	$95.8M+13.7%	$84.3M
SG&A Expenses	$42.5M	$36.7M+10.4%	$33.2M+13.3%	$29.3M-3.9%	$30.5M+1.3%	$30.1M+18.1%	$25.5M+2.3%	$24.9M+5.7%	$23.6M+31.3%	$18.0M
Interest Expense	$99.4M	$90.4M-4.6%	$94.8M+3.7%	$91.3M+230.9%	$27.6M+503.9%	$4.6M-60.2%	$11.5M-48.3%	$22.2M+51.5%	$14.7M+70.3%	$8.6M
Income Tax	$27.9M	$24.2M+5.9%	$22.8M+12.0%	$20.4M-28.9%	$28.6M+36.8%	$20.9M+69.1%	$12.4M-23.4%	$16.1M+10.1%	$14.7M-19.2%	$18.2M
Net Income	$79.9M	$68.5M+6.2%	$64.5M+25.0%	$51.6M-17.6%	$62.6M+1.5%	$61.7M+69.5%	$36.4M-18.6%	$44.7M+8.2%	$41.3M+29.6%	$31.9M
EPS (Basic)	N/A	$2.66+4.3%	$2.55+24.4%	$2.05-16.7%	$2.46+2.1%	$2.41+69.7%	$1.42-22.0%	$1.82+6.4%	$1.71+27.6%	$1.34
EPS (Diluted)	$2.88	$2.64+4.8%	$2.52+24.8%	$2.02-17.2%	$2.44+2.1%	$2.39+69.5%	$1.41-22.1%	$1.81+7.1%	$1.69+28.0%	$1.32
Diluted Shares (Avg)	N/A	26M+1.7%	26M+0.2%	26M-0.7%	26M-0.4%	26M0.0%	26M+4.3%	25M+1.0%	24M+1.4%	24M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$49.8M+31.3%	$50.8M+41.2%	$43.7M+23.6%	$38.0M+2.9%	$37.9M+4.5%	$36.0M+10.3%	$35.4M+14.7%	$36.9M+37.6%
SG&A Expenses	$11.3M+32.6%	$11.5M+35.4%	$10.7M+15.1%	$9.0M+5.2%	$8.6M+6.3%	$8.5M+15.2%	$9.3M+3.4%	$8.5M+24.0%
Interest Expense	$26.4M+20.5%	$26.5M+20.7%	$24.3M+7.9%	$22.2M-5.7%	$21.9M-6.5%	$22.0M-13.1%	$22.6M-8.1%	$23.5M-4.1%
Income Tax	$8.5M+24.2%	$7.9M+36.8%	$5.0M+7.6%	$6.6M+10.2%	$6.8M+6.4%	$5.8M-0.4%	$4.6M-3.6%	$6.0M+41.1%
Net Income	$22.1M+31.5%	$22.3M+36.9%	$18.1M+11.7%	$17.3M+3.4%	$16.8M-0.7%	$16.3M+11.4%	$16.2M+43.1%	$16.7M+46.1%
EPS (Basic)	$0.77+16.7%	$0.78+21.9%	$0.68+6.3%	$0.68+3.0%	$0.66-1.5%	$0.64+10.3%	$0.64+42.2%	$0.66+46.7%
EPS (Diluted)	$0.76+16.9%	$0.77+22.2%	$0.68+7.9%	$0.67+3.1%	$0.65-1.5%	$0.63+10.5%	$0.63+43.2%	$0.65+44.4%
Diluted Shares (Avg)	29M+12.6%	29M+13.0%	N/A	26M+0.5%	26M+0.6%	26M+0.6%	N/A	26M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MCBS Balance Sheet

MCBS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$4.8B+32.7%	$3.6B+2.6%	$3.5B+2.2%	$3.4B+10.3%	$3.1B+63.7%	$1.9B+16.3%	$1.6B+13.9%	$1.4B	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-45.5%	$276.4M+99.7%	$138.4M+44.4%	$95.8M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$56.0M	N/A	N/A	N/A	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+16.8%	$1.4B+12.0%	$1.3B	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+13.0%	$216.7M+28.5%	$168.6M+24.8%	$135.1M
Retained Earnings	$402.7M+12.3%	$358.7M+13.7%	$315.4M+10.3%	$285.8M+19.8%	$238.6M+26.4%	$188.7M+16.0%	$162.6M+26.5%	$128.6M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.5B+25.0%	$4.7B+28.1%	$4.8B+32.7%	$3.6B+1.7%	$3.6B0.0%	$3.7B+0.3%	$3.6B+2.6%	$3.6B+1.7%
Cash & Equivalents	$266.7M-6.8%	$387.6M+36.0%	$383.7M+53.5%	$227.2M-22.0%	$286.0M-12.8%	$285.1M+10.1%	$249.9M+72.6%	$291.2M+3.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$56.0M	$56.0M	$56.0M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.0B+24.3%	$4.1B+27.9%	$4.2B+33.1%	$3.2B+0.7%	$3.2B-0.9%	$3.2B-0.6%	$3.2B+1.6%	$3.2B+1.1%
Total Equity	$567.9M+30.2%	$554.2M+29.5%	$544.2M+29.2%	$445.9M+9.5%	$436.1M+7.1%	$428.0M+7.9%	$421.4M+10.4%	$407.2M+5.8%
Retained Earnings	$431.5M+13.5%	$417.8M+13.2%	$402.7M+12.3%	$391.0M+12.2%	$380.0M+12.9%	$369.1M+13.6%	$358.7M+13.7%	$348.3M+12.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

MCBS Cash Flow Statement

MCBS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$82.1M	$37.7M-40.6%	$63.5M-22.7%	$82.1M-39.0%	$134.7M+105.9%	$65.4M-54.1%	$142.6M+342.7%	$32.2M+120.0%	-$161.0M-206.0%	$151.8M
Depreciation & Amortization	N/A	$3.5M+18.6%	$3.0M+10.2%	$2.7M-30.7%	$3.9M+37.9%	$2.8M-4.1%	$2.9M+7.8%	$2.7M+202.3%	$899K+51.6%	$593K
Stock-Based Compensation	N/A	$2.9M+10.6%	$2.6M+8.6%	$2.4M+25.4%	$1.9M+35.3%	$1.4M-21.7%	$1.8M+19.4%	$1.5M+1.8%	$1.5M+108.8%	$718K
Capital Expenditures	N/A	$674K-47.6%	$1.3M-73.9%	$4.9M+109.5%	$2.4M+513.0%	$384K-28.5%	$537K-51.1%	$1.1M-61.5%	$2.9M-51.7%	$5.9M
Free Cash Flow	N/A	$37.0M-40.5%	$62.2M-19.4%	$77.2M-41.7%	$132.3M+103.4%	$65.0M-54.2%	$142.0M+356.6%	$31.1M+119.0%	-$163.8M-212.3%	$145.9M
Investing Cash Flow	$230.9M	$126.8M+2061.4%	$5.9M+105.3%	-$110.3M+83.1%	-$651.8M+30.0%	-$930.6M-94.7%	-$477.9M-2512.8%	-$18.3M-116.7%	$109.4M+139.4%	-$277.9M
Financing Cash Flow	-$332.2M	-$30.7M-186.1%	$35.7M+648.1%	-$6.5M-102.6%	$255.3M-77.9%	$1.2B+451.5%	$209.6M+68.9%	$124.1M+31.8%	$94.2M-39.4%	$155.4M
Dividends Paid	$28.7M	$24.8M+18.0%	$21.1M+15.7%	$18.2M+19.0%	$15.3M+29.7%	$11.8M+14.7%	$10.3M-0.8%	$10.4M+11.6%	$9.3M+72.0%	$5.4M
Share Buybacks	$7.1M	$2.7M+27170.0%	$10K-99.5%	$2.0M-75.4%	$8.2M+47.8%	$5.5M	N/A	$1.5M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$24.9M+72.4%	$45.8M+284.6%	-$5.1M-126.7%	$16.5M+243.4%	$14.5M-25.4%	$11.9M-67.2%	$19.3M+332.1%	-$11.5M-165.0%
Depreciation & Amortization	-$1.5M-273.5%	$686K-17.5%	$859K+13.0%	$970K+33.6%	$850K+17.7%	$832K+10.6%	$760K+4.5%	$726K+2.1%
Stock-Based Compensation	N/A	$426K-0.7%	N/A	N/A	N/A	$429K+5.7%	N/A	N/A
Capital Expenditures	N/A	N/A	$225K-45.0%	$261K-6.8%	$118K-66.7%	$70K-71.2%	$409K-56.6%	$280K-79.4%
Free Cash Flow	N/A	N/A	-$5.4M-128.4%	$16.2M+237.8%	$14.3M-24.6%	$11.8M-67.2%	$18.9M+304.0%	-$11.8M-172.2%
Investing Cash Flow	$49.8M+24.9%	$74.1M+470.4%	$179.0M+358.0%	-$72.0M-2741.1%	$39.9M-59.1%	-$20.0M+20.6%	-$69.4M+49.0%	$2.7M+121.5%
Financing Cash Flow	-$195.7M-266.4%	-$116.0M-368.0%	-$17.3M-297.8%	-$3.3M+88.2%	-$53.4M-11.2%	$43.3M-57.9%	$8.8M+23.2%	-$27.9M-294.3%
Dividends Paid	$8.4M+43.0%	$7.2M+23.3%	$6.3M+7.9%	$6.9M+33.7%	$5.8M+15.9%	$5.8M+15.9%	$5.8M+28.4%	$5.1M+11.6%
Share Buybacks	$0	$4.4M	$2.7M	$0	N/A	N/A	$0-100.0%	$0-100.0%

MCBS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MCBS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	44.0%-1.6pp	45.7%+2.6pp	43.1%-2.3pp	45.5%+0.7pp	44.8%+5.8pp	39.0%-5.3pp	44.3%+1.2pp	43.1%+5.3pp	37.8%
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%-5.8pp	20.6%-3.9pp	24.5%+0.9pp	23.6%
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%-0.8pp	2.7%-0.1pp	2.9%	N/A
Debt-to-Equity	7.76+0.2x	7.53-0.7x	8.18-0.6x	8.81-0.9x	9.70+3.0x	6.75+0.2x	6.53-1.0x	7.50	N/A
Asset Turnover	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.050.0x	0.060.0x	0.07	N/A
FCF Margin	23.8%-20.3pp	44.1%-20.4pp	64.5%-31.6pp	96.1%+48.9pp	47.2%	152.2%	30.8%	-170.9%	173.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	44.4%+0.1pp	43.9%-1.4pp	41.5%-4.4pp	45.5%+0.2pp	44.4%-2.3pp	45.3%+0.5pp	45.9%+9.1pp	45.3%+2.6pp
Return on Equity	3.9%0.0pp	4.0%+0.2pp	3.3%-0.5pp	3.9%-0.2pp	3.9%-0.3pp	3.8%+0.1pp	3.9%+0.9pp	4.1%+1.1pp
Return on Assets	0.5%0.0pp	0.5%0.0pp	0.4%-0.1pp	0.5%0.0pp	0.5%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.5%+0.1pp
Debt-to-Equity	6.96-0.3x	7.46-0.1x	7.76+0.2x	7.14-0.6x	7.29-0.6x	7.55-0.6x	7.53-0.7x	7.77-0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	N/A	-12.3%-65.6pp	42.7%+74.6pp	37.8%-14.6pp	32.9%	53.3%+83.3pp	-31.9%-92.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
METROCITY BANKSHARES INC MCBS	FY2025	$155.6M	$68.5M	44.0%	$992.1M	82/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$964.3M	35/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.0B	64/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$973.6M	55/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$838.3M	65/100
Heritage Financial Corp HFWA	FY2025	$246.1M	$67.5M	27.4%	$1.1B	51/100

Where METROCITY BANKSHARES INC Ranks

Frequently Asked Questions

What is METROCITY BANKSHARES INC's annual revenue?

METROCITY BANKSHARES INC (MCBS) reported $155.6M in total revenue for fiscal year 2025. This represents a 10.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is METROCITY BANKSHARES INC's revenue growing?

METROCITY BANKSHARES INC (MCBS) revenue grew by 10.2% year-over-year, from $141.2M to $155.6M in fiscal year 2025.

Is METROCITY BANKSHARES INC profitable?

Yes, METROCITY BANKSHARES INC (MCBS) reported a net income of $68.5M in fiscal year 2025, with a net profit margin of 44.0%.

What is METROCITY BANKSHARES INC's net profit margin?

METROCITY BANKSHARES INC (MCBS) had a net profit margin of 44.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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 P/E ratio?

METROCITY BANKSHARES INC (MCBS) trades at 12.4x earnings, its market capitalization divided by net income of $79.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $992.1M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is METROCITY BANKSHARES INC's price-to-sales ratio?

METROCITY BANKSHARES INC (MCBS) trades at 5.4x sales, its market capitalization divided by revenue of $182.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $992.1M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is METROCITY BANKSHARES INC's Piotroski F-Score?

METROCITY BANKSHARES INC (MCBS) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 82 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.