MetroCity Bankshares, Inc. (MCBS)
NASDAQ: MCBS · Real-Time Price · USD
35.68
+0.06 (0.17%)
Sep 16, 2026, 9:33 AM EDT - Market open
MetroCity Bankshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 79.85 | 68.53 | 64.5 | 51.61 | 62.6 | 61.7 |
Depreciation & Amortization | 1.04 | 3.51 | 2.96 | 2.69 | 3.88 | 2.81 |
Gain (Loss) on Sale of Assets | 0.09 | -0.03 | 0.44 | -0.31 | 0.02 | 0.11 |
Gain (Loss) on Sale of Investments | -0.01 | -0.35 | 0.04 | -0.04 | 1.09 | 0.11 |
Provision for Credit Losses | -2.19 | -0.32 | 0.52 | -0.02 | -2.77 | 6.93 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 7.98 | 3.09 | 2.95 | 3.3 | 99 | 10.95 |
Accrued Interest Receivable | -0.83 | -1.68 | -0.73 | -1.95 | -2.12 | -0.38 |
Change in Other Net Operating Assets | 3.36 | -31.27 | -4.65 | 25.29 | -24.42 | -4.18 |
Other Operating Activities | 0.64 | 0.64 | 0.35 | 1.01 | -2.96 | -3.07 |
Operating Cash Flow | 82.07 | 37.7 | 63.5 | 82.1 | 134.69 | 65.43 |
Operating Cash Flow Growth | 140.36% | -40.63% | -22.65% | -39.05% | 105.85% | -54.10% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Capital Expenditures | -1.22 | -0.67 | -1.29 | -4.93 | -2.35 | -0.38 |
Investment in Securities | 21.44 | -5.36 | 0.64 | 1.27 | 2.89 | -19.39 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 194.32 | 123.71 | 7.66 | -110.36 | -646.6 | -875.71 |
Other Investing Activities | 16.32 | 9.16 | -1.14 | 3.76 | -5.75 | -35.07 |
Investing Cash Flow | 230.86 | 126.83 | 5.87 | -110.27 | -651.82 | -930.55 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Long-Term Debt Issued | - | 100 | 450 | 425 | 525 | 640 |
Long-Term Debt Repaid | - | -50 | -400 | -475.39 | -650.07 | -250.02 |
Net Debt Issued (Repaid) | -135 | 50 | 50 | -50.39 | -125.07 | 389.98 |
Issuance of Common Stock | - | - | 0.9 | - | - | - |
Repurchase of Common Stock | -7.14 | -2.73 | -0.01 | -2.02 | -8.2 | -5.54 |
Common Dividends Paid | -28.72 | -24.85 | -21.05 | -18.2 | -15.29 | -11.79 |
Net Increase (Decrease) in Deposit Accounts | -161.11 | -51.77 | 5.86 | 64.1 | 403.82 | 783.13 |
Other Financing Activities | -0.27 | -1.39 | - | - | - | - |
Financing Cash Flow | -332.24 | -30.73 | 35.7 | -6.51 | 255.27 | 1,156 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Cash Flow | -19.32 | 133.8 | 105.07 | -34.68 | -261.86 | 290.65 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | 80.85 | 37.03 | 62.22 | 77.17 | 132.34 | 65.05 |
Free Cash Flow Growth | 143.03% | -40.48% | -19.38% | -41.69% | 103.45% | -54.20% |
Free Cash Flow Margin | 43.81% | 23.75% | 44.21% | 64.47% | 94.30% | 49.86% |
Free Cash Flow Per Share | 2.92 | 1.42 | 2.43 | 3.02 | 5.15 | 2.52 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Cash Interest Paid | 105.61 | 91.44 | 95.4 | 89.59 | 25.07 | 4.59 |
Cash Income Tax Paid | 12.65 | 21.78 | 21.5 | 17.97 | 34.31 | 23.51 |