MetroCity Bankshares Cash Flow 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 Income	74.55	68.53	64.5	51.61	62.6	61.7
Depreciation & Amortization	3.37	3.51	2.96	2.69	3.88	2.81
Provision for Credit Losses	-1.27	-0.32	0.52	-0.02	-2.77	6.93
Stock-Based Compensation	2.9	2.91	2.63	2.42	1.93	1.43
Net Change in Loans Held-for-Sale	11.92	3.09	2.95	3.3	99	10.95
Other Adjustments	-5.66	-17.34	-4.97	-2.56	-0.71	-10.28
Changes in Accrued Interest and Accounts Receivable	-1.05	-1.68	-0.73	-1.95	-2.12	-0.38
Changes in Accounts Payable	-1.59	-1.07	-0.64	1.39	2.54	-0.02
Changes in Other Operating Activities	-12.21	-19.94	-3.72	25.22	-29.65	-7.7
Operating Cash Flow	71.6	37.7	63.5	82.1	134.69	65.43
Operating Cash Flow Growth	83.34%	-40.63%	-22.65%	-39.05%	105.85%	-54.10%
Net Change in Loans Held-for-Investment	184.23	123.71	7.66	-110.36	-646.6	-875.71
Net Change in Securities and Investments	23.75	-7.8	-1.77	0.92	5.09	-32.95
Payments for Business Acquisitions	-	9.15	-	-	-	-
Capital Expenditures	0.13	-0.67	-1.29	-4.93	-2.35	-0.38
Other Investing Activities	1.58	2.45	1.26	4.11	-7.96	-21.51
Investing Cash Flow	220.92	126.83	5.87	-110.27	-651.82	-930.55
Net Change in Deposits	-71.33	-51.77	5.86	64.1	403.82	783.13
Short-Term Debt Issued	50	100	450	425	525	640
Short-Term Debt Repaid	135	50	400	475	650	250
Net Short-Term Debt Issued (Repaid)	185	150	850	900	1,175	890
Issuance of Common Stock	-	-	0.9	-	-	-
Repurchase of Common Stock	7.17	2.73	0.01	2.02	8.2	5.54
Net Common Stock Issued (Repurchased)	7.17	2.73	0.91	2.02	8.2	5.54
Common Dividends Paid	-26.21	-24.85	-21.05	-18.2	-15.29	-11.79
Other Financing Activities	-	-1.39	-	-0.39	-0.07	-0.02
Financing Cash Flow	-189.98	-30.73	35.7	-6.51	255.27	1,156
Net Cash Flow	102.55	133.8	105.07	-34.68	-261.86	290.65
Free Cash Flow	71.73	37.03	62.22	77.17	132.34	65.05
Free Cash Flow Growth	93.72%	-40.48%	-19.38%	-41.69%	103.45%	-54.20%
FCF Margin	41.77%	23.74%	44.22%	64.47%	94.19%	49.68%
Free Cash Flow Per Share	2.67	1.42	2.43	3.02	5.15	2.52
Levered Free Cash Flow	248.38	198.68	911.09	974.03	1,210	946.02
Unlevered Free Cash Flow	-11.34	-19.85	-3.41	22.41	-27.72	-5.68

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q