MetroCity Bankshares (MCBS) financial statements
MetroCity Bankshares reported revenue of $156M in fiscal 2025, up 8.0% a year over 8 years.
Net income was $69M.
Free cash flow was $37M, and the company returned $25M in dividends and $3M in net buybacks.
The diluted share count rose 8% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from MetroCity Bankshares's 10-K filings with the SEC.
| Fiscal year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $84M | $96M | $101M | $93M | $138M | $138M | $120M | $141M | $156M |
| Interest expense | $9M | $15M | $22M | $11M | $5M | $28M | $91M | — | — |
| Pre-tax income | $50M | $56M | $61M | $49M | $83M | $91M | $72M | $87M | $93M |
| Income tax | $18M | $15M | $16M | $12M | $21M | $29M | $20M | $23M | $24M |
| Net income | $32M | $41M | $45M | $36M | $62M | $63M | $52M | $65M | $69M |
| EPS (diluted) | $1.32 | $1.69 | $1.81 | $1.41 | $2.39 | $2.44 | $2.02 | $2.52 | $2.64 |
| Diluted shares | 24M | 24M | 25M | 26M | 26M | 26M | 26M | 26M | 26M |
| Net margin | 37.8% | 43.1% | 44.3% | 39.0% | 44.8% | 45.5% | 43.1% | 45.7% | 44.0% |
Balance sheet
Fiscal years, from MetroCity Bankshares's 10-K filings with the SEC.
| Fiscal year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $96M | $138M | $276M | $151M | $441M | $179M | $145M | $250M | $384M |
| Property, plant and equipment | — | $14M | $14M | $14M | $13M | $14M | $18M | $18M | $30M |
| Goodwill | — | — | — | — | — | — | — | — | $56M |
| Total assets | — | $1.4B | $1.6B | $1.9B | $3.1B | $3.4B | $3.5B | $3.6B | $4.8B |
| Total liabilities | — | $1.3B | $1.4B | $1.7B | $2.8B | $3.1B | $3.1B | $3.2B | $4.2B |
| Shareholders' equity | $135M | $169M | $217M | $245M | $290M | $349M | $382M | $421M | $544M |
| Net debt | -$96M | -$138M | -$276M | -$151M | -$441M | -$179M | -$145M | -$250M | -$384M |
Cash flow
Fiscal years, from MetroCity Bankshares's 10-K filings with the SEC.
| Fiscal year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $152M | -$161M | $32M | $143M | $65M | $135M | $82M | $64M | $38M |
| Capital spending | $6M | $3M | $1M | $537,000 | $384,000 | $2M | $5M | $1M | $674,000 |
| Free cash flow | $146M | -$164M | $31M | $142M | $65M | $132M | $77M | $62M | $37M |
| Stock-based compensation | $718,000 | $1M | $2M | $2M | $1M | $2M | $2M | $3M | $3M |
| Dividends paid | $5M | $9M | $10M | $10M | $12M | $15M | $18M | $21M | $25M |
| Share buybacks (net) | — | — | -$1M | — | -$6M | -$8M | -$2M | -$10,000 | -$3M |
| Free cash flow margin | 173.1% | -170.9% | 30.8% | 152.2% | 47.2% | 96.1% | 64.5% | 44.1% | 23.8% |
| Dividends per share | $0.22 | $0.38 | $0.42 | $0.40 | $0.46 | $0.60 | $0.71 | $0.82 | $0.96 |
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Open MCBS in InvestinglyQuestions
What was MetroCity Bankshares's revenue in 2025?
$156M in fiscal 2025, from its 10-K filing.
How much free cash flow does MetroCity Bankshares generate?
$37M in fiscal 2025 (operating cash flow minus capital spending).
From MetroCity Bankshares's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.