MetroCity Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	144.38	130.45	118.15	101.48	119.61	104.17
Net Interest Income Growth	18.72%	10.41%	16.42%	-15.16%	14.82%	57.55%
Non-Interest Income	26.09	25.18	23.06	18.2	18.12	33.69
Non-Interest Income Growth	13.66%	9.20%	26.69%	0.47%	-46.22%	23.81%
Revenues Before Loan Losses	170.47	155.63	141.21	119.68	137.73	137.86
Provision for Credit Losses	-1.27	-0.32	0.52	-0.02	-2.77	6.93
Revenue	171.73	155.95	140.69	119.7	140.5	130.93
Revenue Growth (YoY)	19.45%	10.85%	17.54%	-14.80%	7.31%	45.70%
Compensation Expenses	39.68	36.67	33.21	29.3	30.5	30.11
Selling, General & Admin	9.39	7.98	7.45	6.74	6.56	6.67
Other Non-Interest Expenses	20.99	18.6	12.72	11.69	12.22	11.53
Total Non-Interest Expense	70.9	63.26	53.38	47.73	49.28	48.31
Pretax Income	100.84	92.69	87.31	71.97	91.22	82.62
Provision for Income Taxes	26.29	24.16	22.81	20.36	28.62	20.92
Net Income	74.72	68.53	64.5	51.61	62.6	61.7
Net Income to Common	74.72	68.53	64.5	51.61	62.6	61.7
Net Income Growth	12.92%	6.25%	24.98%	-17.55%	1.46%	69.54%
Shares Outstanding (Basic)	27	26	25	25	25	26
Shares Outstanding (Diluted)	27	26	26	26	26	26
Shares Change (YoY)	4.60%	1.65%	0.25%	-0.66%	-0.39%	-0.04%
EPS (Basic)	2.81	2.66	2.55	2.05	2.46	2.41
EPS (Diluted)	2.77	2.64	2.52	2.02	2.44	2.39
EPS Growth	7.78%	4.76%	24.75%	-17.21%	2.09%	69.50%
Shares Outstanding	28.76	28.82	25.4	25.21	25.17	25.47
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	0.980	0.960	0.830	0.720	0.600	0.460
Dividend Growth	2.08%	15.66%	15.28%	20.00%	30.44%	15.00%
Profit Margin	43.41%	43.94%	45.85%	43.12%	44.56%	47.13%
FCF Margin	-	23.74%	44.22%	64.47%	94.19%	49.68%
EBITDA	-	3.51	2.96	2.69	3.88	2.81
EBITDA Margin	-	2.25%	2.10%	2.24%	2.76%	2.15%
Effective Tax Rate	26.07%	26.07%	26.12%	28.29%	31.37%	25.32%

Updated Apr 24, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q