MCBS
MetroCity Bankshares, Inc.
Price Chart
Latest Quote
$35.17
+0.36 (+1.03%)
Current Price
| Previous Close | $34.81 |
| Open | $34.76 |
| Day High | $35.26 |
| Day Low | $34.32 |
| Volume | 71,312 |
Stock Information
| Quarterly Dividend / Yield | $1.04 / 2.96% |
| Shares Outstanding | 28.66M |
| Quarterly Dividend Yield | 2.96% |
| Quarterly Dividend | $1.04 |
| Total Debt | $439.83M |
| Cash Equivalents | $392.57M |
| Revenue | $171.71M |
| Net Income | $74.55M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.01B |
| P/E Ratio | 12.65 |
| EPS (TTM) | $2.78 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.06B |
| Sales | $171.71M |
| Income | $74.55M |
| Book/sh | $18.88 |
| Cash/sh | $13.70 |
| Employees | 317 |
Financial Ratios
| EPS Growth TTM | 36.90% |
Returns & Margins
| ROA | 1.79% |
| ROE | 15.18% |
| Operating Margin | 61.74% |
| Profit Margin | 43.41% |
Ownership
| Insider Ownership | 20.92% |
| Institutional Ownership | 24.76% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.66 |
| P/S | 5.87 |
| P/B | 1.86 |
Analyst Data
| Recommendation | none |
| Target Price | $35.00 |
Technical Indicators
| SMA20 | $33.74 |
| SMA50 | $32.65 |
| SMA200 | $28.63 |
| RSI | 78.00 |
| ATR | 0.9757 |
| Shares Float | 21.91M |
| Short Float | 1.85% |
| Short Ratio | 5.98 |
| Volatility | 0.72 |
| Rel Volume | 1.20 |
Performance History
| Week | +2.99% |
| Month | +7.80% |
| Quarter | +24.11% |
| 6 Months | +27.90% |
| YTD | +36.22% |
| Year | +30.47% |
| 3 Years | +108.69% |
| 5 Years | +123.45% |
| 10 Years | +183.73% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $35.17 | 96,200 |
| 2026-06-23 | $34.81 | 71,600 |
| 2026-06-22 | $34.16 | 69,200 |
| 2026-06-18 | $34.17 | 121,700 |
| 2026-06-17 | $33.83 | 75,800 |
| 2026-06-16 | $34.15 | 69,600 |
| 2026-06-15 | $33.82 | 78,500 |
| 2026-06-12 | $34.30 | 66,600 |
| 2026-06-11 | $34.55 | 63,100 |
| 2026-06-10 | $34.54 | 103,000 |
| 2026-06-09 | $34.27 | 99,500 |
| 2026-06-08 | $33.76 | 60,700 |
| 2026-06-05 | $33.78 | 90,200 |
| 2026-06-04 | $33.51 | 117,100 |
| 2026-06-03 | $32.42 | 85,800 |
| 2026-06-02 | $33.08 | 49,500 |
| 2026-06-01 | $32.43 | 62,000 |
| 2026-05-29 | $32.66 | 59,800 |
| 2026-05-28 | $32.71 | 93,100 |
| 2026-05-27 | $32.78 | 72,200 |
| 2026-05-26 | $32.96 | 88,000 |
About MetroCity Bankshares, Inc.
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loans; construction and development, and owner and non-owner occupied commercial real estate loans; and commercial and industrial, residential mortgage, small business administration loans, and consumer and other loans, as well as letters of credit and investment securities. In addition, the company offers online banking services, which include access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; mobile banking solutions, such as remote check deposit with mobile bill pay; and automated teller machines and banking by telephone, mail and personal appointment. Further, it provides debit cards for checking customers, direct deposits, and cashier's checks; treasury management services, including balance reporting, transfers between accounts, wire transfer initiation, automated clearing house, and stop payments services; and cash management deposit products, such as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. MetroCity Bankshares, Inc. was founded in 2006 and is headquartered in Doraville, Georgia.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $153,418,000 | $139,662,000 | $118,035,000 | $134,677,000 |
| Operating Revenue | $153,418,000 | $139,662,000 | $118,035,000 | $134,677,000 |
| Expenses | ||||
| Interest Expense | $90,379,000 | $94,767,000 | $91,348,000 | $27,609,000 |
| Selling And Marketing Expense | $657,000 | $634,000 | $614,000 | $606,000 |
| General And Administrative Expense | $39,149,000 | $35,567,000 | $31,504,000 | $32,293,000 |
| Professional Expense And Contract Services Expense | $1,747,000 | $1,523,000 | $1,522,000 | $1,307,000 |
| Other Non Interest Expense | $8,866,000 | $8,584,000 | $7,545,000 | $7,164,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Interest Income | $130,449,000 | $118,146,000 | $101,479,000 | $119,611,000 |
| Interest Income | $220,828,000 | $212,913,000 | $192,827,000 | $147,220,000 |
| Normalized Income | $72,026,731 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Income From Continuing And Discontinued Operation | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Income Common Stockholders | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Income | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Income Including Noncontrolling Interests | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Net Income Continuous Operations | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Pretax Income | $92,694,000 | $87,314,000 | $71,972,000 | $91,217,000 |
| Special Income Charges | $-4,729,000 | $0 | $0 | - |
| Depreciation Amortization Depletion Income Statement | $106,000 | $0 | $0 | - |
| Depreciation And Amortization In Income Statement | $106,000 | $0 | $0 | - |
| Amortization Of Intangibles Income Statement | $106,000 | $0 | $0 | - |
| Per Share | ||||
| Diluted EPS | $2.64 | $2.52 | $2.02 | $2.55 |
| Basic EPS | $2.67 | $2.55 | $2.05 | $2.58 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,234,269 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-4,729,000 | $0 | $0 | - |
| Total Unusual Items Excluding Goodwill | $-4,729,000 | $0 | $0 | - |
| Reconciled Depreciation | $3,511,000 | $2,960,000 | $2,687,000 | $3,875,000 |
| Diluted Average Shares | $26,005,582 | $25,582,121 | $25,518,516 | $25,688,969 |
| Basic Average Shares | $25,732,210 | $25,295,686 | $25,177,073 | $25,423,643 |
| Diluted NI Availto Com Stockholders | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
| Tax Provision | $24,162,000 | $22,810,000 | $20,359,000 | $28,615,000 |
| Restructuring And Mergern Acquisition | $4,729,000 | $0 | $0 | - |
| Amortization | $106,000 | $0 | $0 | - |
| Selling General And Administration | $39,806,000 | $36,201,000 | $32,118,000 | $32,899,000 |
| Insurance And Claims | $1,714,000 | $1,715,000 | $1,583,000 | $1,226,000 |
| Salaries And Wages | $37,435,000 | $33,852,000 | $29,921,000 | $31,067,000 |
| Occupancy And Equipment | $5,788,000 | $5,524,000 | $4,893,000 | $4,857,000 |
| Gain On Sale Of Security | - | - | - | $-1,086,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-25
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $473,849,000 | $419,944,000 | $380,244,000 | $345,448,000 |
| Total Assets | $4,768,400,000 | $3,594,045,000 | $3,502,823,000 | $3,427,239,000 |
| Goodwill And Other Intangible Assets | $70,335,000 | $1,409,000 | $1,273,000 | $3,973,000 |
| Other Intangible Assets | $14,287,000 | $1,409,000 | $1,273,000 | $3,973,000 |
| Receivables | $20,298,000 | $15,858,000 | $15,125,000 | $13,171,000 |
| Accounts Receivable | $20,298,000 | $15,858,000 | $15,125,000 | $13,171,000 |
| Cash And Cash Equivalents | $370,832,000 | $236,338,000 | $142,152,000 | $150,964,000 |
| Cash Cash Equivalents And Federal Funds Sold | $383,676,000 | $249,875,000 | $144,805,000 | $179,485,000 |
| Debt | ||||
| Net Debt | $139,168,000 | $138,662,000 | $182,848,000 | $224,428,000 |
| Total Debt | $525,306,000 | $382,940,000 | $333,651,000 | $384,277,000 |
| Long Term Debt And Capital Lease Obligation | $386,612,000 | $382,940,000 | $333,651,000 | $384,277,000 |
| Long Term Debt | $375,000,000 | $375,000,000 | $325,000,000 | $375,392,000 |
| Current Debt And Capital Lease Obligation | $138,694,000 | - | $1,810,000 | - |
| Current Debt | $135,000,000 | - | - | - |
| Other Current Borrowings | $135,000,000 | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,224,216,000 | $3,172,692,000 | $3,121,306,000 | $3,077,818,000 |
| Payables And Accrued Expenses | $10,731,000 | $3,498,000 | $4,133,000 | $2,739,000 |
| Payables | $10,731,000 | $3,498,000 | $4,133,000 | $2,739,000 |
| Accounts Payable | $10,731,000 | $3,498,000 | $4,133,000 | $2,739,000 |
| Equity | ||||
| Common Stock Equity | $544,184,000 | $421,353,000 | $381,517,000 | $349,421,000 |
| Total Equity Gross Minority Interest | $544,184,000 | $421,353,000 | $381,517,000 | $349,421,000 |
| Stockholders Equity | $544,184,000 | $421,353,000 | $381,517,000 | $349,421,000 |
| Gains Losses Not Affecting Retained Earnings | $1,666,000 | $13,179,000 | $20,210,000 | $18,039,000 |
| Other Equity Adjustments | $1,666,000 | $13,179,000 | $20,210,000 | $18,039,000 |
| Retained Earnings | $402,684,000 | $358,704,000 | $315,356,000 | $285,832,000 |
| Other | ||||
| Ordinary Shares Number | $28,817,967 | $25,402,782 | $25,205,506 | $25,169,709 |
| Share Issued | $28,817,967 | $25,402,782 | $25,205,506 | $25,169,709 |
| Tangible Book Value | $473,849,000 | $419,944,000 | $380,244,000 | $345,448,000 |
| Invested Capital | $1,054,184,000 | $796,353,000 | $706,517,000 | $724,813,000 |
| Capital Lease Obligations | $15,306,000 | $7,940,000 | $8,651,000 | $8,885,000 |
| Total Capitalization | $919,184,000 | $796,353,000 | $706,517,000 | $724,813,000 |
| Additional Paid In Capital | $138,675,000 | $49,216,000 | $45,699,000 | $45,298,000 |
| Capital Stock | $1,159,000 | $254,000 | $252,000 | $252,000 |
| Common Stock | $1,159,000 | $254,000 | $252,000 | $252,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $11,612,000 | $7,940,000 | $8,651,000 | $8,885,000 |
| Current Capital Lease Obligation | $3,694,000 | - | $1,810,000 | - |
| Investments And Advances | $65,825,000 | $27,691,000 | $28,828,000 | $29,545,000 |
| Available For Sale Securities | $58,934,000 | $10,300,000 | $10,335,000 | $10,300,000 |
| Goodwill | $56,048,000 | $0 | - | - |
| Net PPE | $45,072,000 | $26,126,000 | $26,604,000 | $22,720,000 |
| Accumulated Depreciation | $-17,728,000 | $-10,044,000 | $-9,983,000 | $-8,993,000 |
| Gross PPE | $62,800,000 | $36,170,000 | $36,587,000 | $31,713,000 |
| Leases | $9,693,000 | $4,619,000 | $4,354,000 | $4,011,000 |
| Construction In Progress | $167,000 | $9,000 | $5,605,000 | $2,224,000 |
| Other Properties | $15,193,000 | $7,850,000 | $8,472,000 | $8,463,000 |
| Machinery Furniture Equipment | $12,490,000 | $7,952,000 | $7,849,000 | $6,708,000 |
| Buildings And Improvements | $21,173,000 | $13,136,000 | $7,703,000 | $7,703,000 |
| Land And Improvements | $4,084,000 | $2,604,000 | $2,604,000 | $2,604,000 |
| Other Short Term Investments | $6,891,000 | $17,391,000 | $18,493,000 | $19,245,000 |
Fetched: 2026-06-25
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $37,028,000 | $62,215,000 | $77,168,000 | $132,340,000 |
| Operating Activities | ||||
| Operating Cash Flow | $37,702,000 | $63,501,000 | $82,099,000 | $134,694,000 |
| Cash Flow From Continuing Operating Activities | $37,702,000 | $63,501,000 | $82,099,000 | $134,694,000 |
| Operating Gains Losses | $-6,274,000 | $-4,859,000 | $-3,299,000 | $-4,085,000 |
| Investing Activities | ||||
| Capital Expenditure | $-674,000 | $-1,286,000 | $-4,931,000 | $-2,354,000 |
| Investing Cash Flow | $126,832,000 | $5,868,000 | $-110,265,000 | $-651,816,000 |
| Cash Flow From Continuing Investing Activities | $126,832,000 | $5,868,000 | $-110,265,000 | $-651,816,000 |
| Net Other Investing Changes | $4,000 | $-1,141,000 | $3,756,000 | $-5,751,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,727,000 | $-10,000 | $-2,020,000 | $-8,195,000 |
| Financing Cash Flow | $-30,733,000 | $35,701,000 | $-6,514,000 | $255,266,000 |
| Cash Flow From Continuing Financing Activities | $-30,733,000 | $35,701,000 | $-6,514,000 | $255,266,000 |
| Net Other Financing Charges | $-1,388,000 | - | - | - |
| Cash Dividends Paid | $-24,845,000 | $-21,051,000 | $-18,200,000 | $-15,290,000 |
| Common Stock Dividend Paid | $-24,845,000 | $-21,051,000 | $-18,200,000 | $-15,290,000 |
| Net Common Stock Issuance | $-2,727,000 | $-10,000 | $-2,020,000 | $-8,195,000 |
| Issuance Of Capital Stock | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-50,000,000 | $-400,000,000 | $-475,392,000 | $-650,067,000 |
| Issuance Of Debt | $100,000,000 | $450,000,000 | $425,000,000 | $525,000,000 |
| Interest Paid Supplemental Data | $91,444,000 | $95,402,000 | $89,594,000 | $25,074,000 |
| Income Tax Paid Supplemental Data | $21,779,000 | $21,503,000 | $17,973,000 | $34,311,000 |
| End Cash Position | $383,676,000 | $249,875,000 | $144,805,000 | $179,485,000 |
| Beginning Cash Position | $249,875,000 | $144,805,000 | $179,485,000 | $441,341,000 |
| Changes In Cash | $133,801,000 | $105,070,000 | $-34,680,000 | $-261,856,000 |
| Proceeds From Stock Option Exercised | $0 | $900,000 | $0 | $0 |
| Common Stock Payments | $-2,727,000 | $-10,000 | $-2,020,000 | $-8,195,000 |
| Net Issuance Payments Of Debt | $50,000,000 | $50,000,000 | $-50,392,000 | $-125,067,000 |
| Net Long Term Debt Issuance | $50,000,000 | $50,000,000 | $-50,392,000 | $-125,067,000 |
| Long Term Debt Payments | $-50,000,000 | $-400,000,000 | $-475,392,000 | $-650,067,000 |
| Long Term Debt Issuance | $100,000,000 | $450,000,000 | $425,000,000 | $525,000,000 |
| Net Investment Purchase And Sale | $-5,357,000 | $640,000 | $1,272,000 | $2,886,000 |
| Sale Of Investment | $2,643,000 | $640,000 | $1,272,000 | $2,886,000 |
| Purchase Of Investment | $-8,000,000 | $0 | $0 | $0 |
| Net Business Purchase And Sale | $9,153,000 | $0 | $0 | - |
| Sale Of Business | $9,153,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $-674,000 | $-1,286,000 | $-4,931,000 | $-2,354,000 |
| Purchase Of PPE | $-674,000 | $-1,286,000 | $-4,931,000 | $-2,354,000 |
| Change In Working Capital | $-34,018,000 | $-6,015,000 | $24,725,000 | $-24,007,000 |
| Change In Other Working Capital | $-11,603,000 | $-771,000 | $-2,466,000 | $-1,693,000 |
| Change In Other Current Liabilities | $-18,570,000 | $-4,694,000 | $26,842,000 | $-21,955,000 |
| Change In Other Current Assets | $-1,096,000 | $818,000 | $909,000 | $-775,000 |
| Change In Payables And Accrued Expense | $-1,065,000 | $-635,000 | $1,394,000 | $2,535,000 |
| Change In Payable | $-1,065,000 | $-635,000 | $1,394,000 | $2,535,000 |
| Change In Account Payable | $-1,065,000 | $-635,000 | $1,394,000 | $2,535,000 |
| Change In Receivables | $-1,684,000 | $-733,000 | $-1,954,000 | $-2,119,000 |
| Changes In Account Receivables | $-1,684,000 | $-733,000 | $-1,954,000 | $-2,119,000 |
| Other Non Cash Items | $3,065,000 | $3,004,000 | $2,752,000 | $99,015,000 |
| Stock Based Compensation | $2,907,000 | $2,629,000 | $2,421,000 | $1,931,000 |
| Unrealized Gain Loss On Investment Securities | $-346,000 | $35,000 | $-35,000 | $1,086,000 |
| Asset Impairment Charge | $0 | $377,000 | $240,000 | $0 |
| Deferred Tax | $643,000 | $350,000 | $1,010,000 | $-2,956,000 |
| Deferred Income Tax | $643,000 | $350,000 | $1,010,000 | $-2,956,000 |
| Depreciation Amortization Depletion | $3,511,000 | $2,960,000 | $2,687,000 | $3,875,000 |
| Depreciation And Amortization | $3,511,000 | $2,960,000 | $2,687,000 | $3,875,000 |
| Depreciation | $3,511,000 | $2,960,000 | $2,687,000 | $3,875,000 |
| Net Income From Continuing Operations | $68,532,000 | $64,504,000 | $51,613,000 | $62,602,000 |
Fetched: 2026-06-25