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MCBS Financials MetroCity Bankshares, Inc.

9 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 23.6% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 9 consecutive years, consuming 36.3% of earnings and 67.1% of free cash flow.
  • The dividend has grown 19.3% per year over the past 5 years.
Net income
$0 $34M $69M 2017 2018 2019 2020 2021 2022 2023 2024 2025
Net income
Return on equity & assets (ROE / ROA)
0% 12% 25% 2017 2018 2019 2020 2021 2022 2023 2024 2025
ROEROA
Shareholders' equity (book value)
$0 $272M $544M 2017 2018 2019 2020 2021 2022 2023 2024 2025
Equity
Free cash flow (CFO − capex)
-$164M -$9M $146M $0 2017 2018 2019 2020 2021 2022 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $221M $441M 2017 2018 2019 2020 2021 2022 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$931M $113M $1B $0 2017 2018 2019 2020 2021 2022 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $69M 12.6% 1.4% $37M $384M
2024 $65M 15.3% 1.8% $62M $250M
2023 $52M 13.5% 1.5% $77M $145M
2022 $63M 17.9% 1.8% $132M $179M
2021 $62M 21.3% 2.0% $65M $441M
2020 $36M 14.9% 1.9% $142M $151M
2019 $45M 20.6% 2.7% $31M $276M
2018 $41M 24.5% 2.9% -$164M $138M
2017 $32M 23.6% $146M

Valuation over time

How the market has priced MCBS against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 9.6 19.2 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.6 3.3 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is MCBS growing its revenue and profit?

See the revenue and net-income charts above for MetroCity Bankshares, Inc.'s multi-year trend.

How much debt does MCBS have?

As of FY2025, MetroCity Bankshares, Inc. reported — of total debt against $384M of cash.

What is MCBS's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is MCBS's P/E ratio?

As of Sep '26, MetroCity Bankshares, Inc. traded at a price-to-earnings ratio of about 14.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.