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.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
—
$69M
—
—
$37M
—
$384M
2024
—
$65M
—
—
$62M
—
$250M
2023
—
$52M
—
—
$77M
—
$145M
2022
—
$63M
—
—
$132M
—
$179M
2021
—
$62M
—
—
$65M
—
$441M
2020
—
$36M
—
—
$142M
—
$151M
2019
—
$45M
—
—
$31M
—
$276M
2018
—
$41M
—
—
-$164M
—
$138M
2017
—
$32M
—
—
$146M
—
—
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
—
$22M
—
—
—
—
$388M
Dec '25
—
$18M
—
—
-$5M
—
$384M
Sep '25
—
$17M
—
—
$16M
—
$227M
Jun '25
—
$17M
—
—
$14M
—
$286M
Mar '25
—
$16M
—
—
$12M
—
$285M
Dec '24
—
$16M
—
—
$19M
—
$250M
Sep '24
—
$17M
—
—
-$12M
—
$291M
Jun '24
—
$17M
—
—
$19M
—
$328M
Mar '24
—
$15M
—
—
$36M
—
$259M
Dec '23
—
$11M
—
—
-$9M
—
$145M
Sep '23
—
$11M
—
—
$16M
—
$282M
Jun '23
—
$13M
—
—
$46M
—
$263M
Mar '23
—
$16M
—
—
$24M
—
$224M
Dec '22
—
$10M
—
—
-$10M
—
$179M
Sep '22
—
$17M
—
—
-$3M
—
$180M
Jun '22
—
$16M
—
—
$51M
—
$223M
Mar '22
—
$19M
—
—
$94M
—
$425M
Dec '21
—
$17M
—
—
$10M
—
$441M
Sep '21
—
$17M
—
—
$4M
—
$253M
Jun '21
—
$14M
—
—
$25M
—
$314M
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.
The price-to-earnings ratio has risen from 7.8× (Mar '23) to 14.6× (Jun '26).
The dividend yield has fallen from 3.1% (Mar '23) to 2.5% (Jun '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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 Jun '26, MetroCity Bankshares, Inc. traded at a price-to-earnings ratio of about 14.6× (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.