arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

MetroCity Bankshares, Inc.

MCBS

$35.73 ▼ -0.19 (-0.53%) at close

10 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

auto_awesome

Analytical Summary

MetroCity Bankshares, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $919.5M

Dividend Yield 2.69%

Revenue Growth 10.2% ↘

Op. Margin 59.6% ↘

ROIC None

FCF / Share None

Trailing P/E 13.4x

Price / Book 1.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$155.63M

↑ +10.2% —

Net Income Profit after all expenses

$68.53M

↑ +6.2% —

Operating Margin Operating profit as % of sales

59.6%

↓ -3.7% 98th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.96 Latest / share

+15.7% YoY

+15.5% 3-yr CAGR

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

$0.72

FY 2023

$0.83

FY 2024

$0.96

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	18.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+200%)	-13.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-318%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-103%)	47.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+697%)	-7.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-225%)	5.3% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	13.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	—	—
EPS Growth YoY (%)	4.3% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	24.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	69.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	27.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	6.2% Fair ↑ Fair Improving Year-over-year change in net income	25.0% Good ↑ Good Improving Year-over-year change in net income	-17.6% Weak ↓ Weak Declining Year-over-year change in net income	1.5% Caution ↓ Caution Declining Year-over-year change in net income	69.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.6% Weak ↓ Weak Declining Year-over-year change in net income	8.2% Fair Fair Year-over-year change in net income	29.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	8.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.9% Good Good Compound annual revenue growth over 3 years	3.5% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.5% Fair Fair Compound annual revenue growth over 5 years	10.3% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	1.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	13.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.1% Good Good Compound annual EPS growth over 3 years	2.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	59.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+138%)	61.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+147%)	60.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+141%)	66.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+165%)	59.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+140%)	52.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	60.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+141%)	58.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+134%)	59.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+137%)	—
Effective Tax Rate (%) (%)	26.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	44.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	45.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	43.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	45.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+107%)	44.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	39.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	44.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	43.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	37.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	15.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	13.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	17.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	21.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+77%)	14.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	20.6% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+72%)	24.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+104%)	23.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+97%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$6.05	$5.59	$4.75	$5.42	$5.40	$3.64	$4.11	$3.96	$3.53	—
Basic EPS, GAAP (USD)	$2.66	$2.55	$2.05	$2.46	$2.41	$1.42	$1.82	$1.71	$1.34	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.96	$0.83	$0.72	—	—	—	—	—	—	—
Book Value per Share (USD)	$18.88	$16.59	$15.14	$13.88	$11.40	$9.54	$8.49	$6.95	$5.66	—
Tangible Book Value per Share (USD)	$16.94	$16.59	$15.14	$13.88	$11.40	$9.54	$8.49	$6.95	$5.66	—
Basic Weighted Avg Shares (shares)	25.73M	25.28M	25.21M	25.41M	25.57M	25.61M	24.53M	24.18M	23.86M	—
Dividend Payout Ratio (%)	36.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	35.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$544.18M	$421.35M	$381.52M	$349.42M	$290.22M	$244.83M	$216.72M	$168.61M	$135.12M	$107.26M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$155.63M	$141.21M	$119.68M	$137.73M	$137.97M	$93.33M	$100.87M	$95.81M	$84.30M	—
Depreciation Expense (USD)	$1.30M	$1.10M	$1.10M	$1.20M	$1.20M	$1.10M	$1.00M	$848.00K	$545.00K	—
Net Income, GAAP (USD)	$68.53M	$64.50M	$51.61M	$62.60M	$61.70M	$36.39M	$44.72M	$41.33M	$31.90M	—
Operating Cash Flow (USD)	$37.70M	$63.50M	$82.10M	$134.69M	$65.43M	$142.56M	$32.20M	$-160.99M	$151.81M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	3.3%	2.9%	3.5%	3.4%	3.5%	3.7%	4.1%	—	—
Efficiency Ratio (%) (%)	40.6%	37.8%	39.9%	35.8%	35.1%	44.0%	39.7%	40.3%	37.0%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 35 quarters

MetroCity Bankshares, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare MCBS with peers