MCBSNasdaqState Commercial BanksFiscal year ends December 31
MetroCity Bankshares, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$34.48−0.65 (-1.85%)
Close on Oct 19, 2026
- Market cap
- $998.17M
- P/E (TTM)
- 12.0
- Dividend yield
- 2.78%
Margins
Share of revenue, fiscal years 2016 to 2025
Net margin
44.0%+5.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.2% | +4.2% | +10.8% | – | |
| Net income | +6.2% | +3.1% | +13.5% | – | |
| EPS, diluted | +4.8% | +2.7% | +13.4% | – | |
| Free cash flow | -40.5% | -34.6% | -23.6% | – | |
| Dividend per share | +15.7% | +17.0% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 15.8% | 14.2% | |
| Return on assets | – | 2.1% | 1.6% | |
| Capex to revenue | – | 0.6% | 0.4% | |
| Diluted shares | – | 26M | 26M |
Where the cash went
Fiscal 2021 to 2025, five years combined
MetroCity Bankshares generated $383.43M from operations and spent $119.30M on capital expenditure, dividends and share buybacks. 8% of that went back into the business.
Generated
$383.43M
Used
$119.30M
Capital expenditure$9.63M8%Dividends$91.18M76%Share buybacks$18.50M16%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin44.0%
×Asset turnover0.04×
×Equity multiplier8.66×
=Return on equity, FY202514.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 44.0% | 0.04× | 8.66× | 14.2% |
| FY2024 | 45.7% | 0.04× | 8.84× | 16.1% |
| FY2023 | 43.1% | 0.03× | 9.48× | 14.1% |
| FY2022 | 45.5% | 0.04× | 10.21× | 19.6% |
| FY2021 | 44.8% | 0.06× | 9.35× | 23.1% |
| FY2020 | 39.0% | 0.05× | 7.65× | 15.8% |
| FY2019 | 44.3% | 0.07× | 7.95× | 23.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$68.53M
- Cash generatingOperating cash flow above zero$37.70M
- Return on assets improvedROA up on the prior year1.8% → 1.9%
- Earnings backed by cashOperating cash flow above net income$37.70M vs $68.53M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise26M → 26M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04