MetroCity Bankshares, Inc. (MCBS)

MetroCity Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	130.45	118.15	101.48	119.61	104.17
Net Interest Income Growth	10.41%	16.42%	-15.16%	14.82%	57.55%
Non-Interest Income	25.18	23.06	18.2	18.12	33.69
Non-Interest Income Growth	9.20%	26.69%	0.47%	-46.22%	23.81%
Revenues Before Loan Losses	155.63	141.21	119.68	137.73	137.86
Provision for Credit Losses	-0.32	0.52	-0.02	-2.77	6.93
Revenue	155.95	140.69	119.7	140.5	130.93
Revenue Growth (YoY)	10.85%	17.54%	-14.80%	7.31%	45.70%
Compensation Expenses	36.67	33.21	29.3	30.5	30.11
Selling, General & Admin	7.98	7.45	6.74	6.56	6.67
Other Non-Interest Expenses	18.6	12.72	11.69	12.22	11.53
Total Non-Interest Expense	63.26	53.38	47.73	49.28	48.31
Pretax Income	92.69	87.31	71.97	91.22	82.62
Provision for Income Taxes	24.16	22.81	20.36	28.62	20.92
Net Income	68.53	64.5	51.61	62.6	61.7
Net Income to Common	68.53	64.5	51.61	62.6	61.7
Net Income Growth	6.25%	24.98%	-17.55%	1.46%	69.54%
Shares Outstanding (Basic)	26	25	25	25	26
Shares Outstanding (Diluted)	26	26	26	26	26
Shares Change (YoY)	1.65%	0.25%	-0.66%	-0.39%	-0.04%
EPS (Basic)	2.66	2.55	2.05	2.46	2.41
EPS (Diluted)	2.64	2.52	2.02	2.44	2.39
EPS Growth	4.76%	24.75%	-17.21%	2.09%	69.50%
Free Cash Flow	37.03	62.22	77.17	132.34	65.05
Free Cash Flow Growth	-40.48%	-19.38%	-41.69%	103.45%	-54.20%
Free Cash Flow Per Share	1.42	2.43	3.02	5.15	2.52
Dividends Per Share	0.960	0.830	0.720	0.600	0.460
Dividend Growth	15.66%	15.28%	20.00%	30.44%	15.00%
Profit Margin	43.86%	46.02%	43.11%	44.56%	47.13%
FCF Margin	23.70%	44.38%	64.46%	94.19%	49.68%
EBITDA	3.51	2.96	2.69	3.88	2.81
EBITDA Margin	2.25%	2.11%	2.24%	2.76%	2.15%
Effective Tax Rate	26.07%	26.12%	28.29%	31.37%	25.32%

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q