MetroCity Bankshares (MCBS) Financial Statements & Analysis

MetroCity Bankshares (MCBS) Income Statement

MetroCity Bankshares reported revenue of $153.42M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 34.6% from $234.43M a year earlier. Net income was $68.53M, up 6.2% year over year, a net margin of 44.7%. Gross margin was 95.8% and operating margin 60.6%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $48.01M, down 20.2% from the same quarter a year earlier.

MetroCity Bankshares Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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MetroCity Bankshares, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	153.42	234.43	119.70	162.29	139.21	102.96	120.92	107.02	92.92
Cost of Revenue	90.06	95.28	91.33	24.84	11.50	14.96	22.24	15.91	11.68
Gross Profit	146.97	139.15	118.05	137.44	127.71	88.00	98.68	91.11	81.24
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	39.81	36.20	6.74	32.90	32.06	26.79	28.09	26.14	18.59
Operating Expenses	54.04	51.83	46.08	46.23	45.09	39.24	37.82	35.11	31.19
Operating Income	92.93	87.31	71.97	91.22	82.62	48.76	60.87	56.00	50.05
Other Income/Expense
Interest Income	220.83	212.91	192.83	147.22	108.74	77.61	83.21	72.88	60.51
Interest Expense	90.38	94.77	91.35	27.61	4.57	11.49	22.24	14.68	8.62
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	92.69	87.31	71.97	91.22	82.62	48.76	60.87	56.00	50.05
Income Tax Expense	24.16	22.81	20.36	28.62	20.92	12.37	16.15	14.67	18.15
Net Income	68.53	64.50	51.61	62.60	61.70	36.39	44.72	41.33	31.90
Net Income - Continuous Operations	68.53	64.50	51.61	62.60	61.70	36.39	44.72	41.33	31.90
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	92.93	90.27	2.69	95.09	85.43	51.69	63.59	56.85	50.64
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.11	2.96	2.69	3.88	2.81	2.93	2.72	0.90	0.59
Earnings Per Share
Basic EPS	3.00	3.00	2.00	3.00	2.00	1.00	2.00	2.00	1.00
Diluted EPS	3.00	3.00	2.00	3.00	2.00	1.00	2.00	2.00	1.00
Basic Shares Outstanding	25.73	25.30	25.21	25.41	25.60	25.63	24.53	24.19	23.86
Diluted Shares Outstanding	26.01	25.58	25.52	25.69	25.79	25.80	24.73	24.48	24.14

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About MetroCity Bankshares Financial Statements

What was MetroCity Bankshares's revenue in fiscal 2025?

MetroCity Bankshares reported revenue of $153.42M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 34.6% from $234.43M a year earlier.

Is MetroCity Bankshares profitable?

Yes. MetroCity Bankshares earned net income of $68.53M in fiscal 2025, a net margin of 44.7%. In fiscal 2024 it earned $64.50M.

What is MetroCity Bankshares's operating margin?

MetroCity Bankshares's operating income was $92.93M on revenue of $153.42M in fiscal 2025, an operating margin of 60.6%, compared with 37.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition