MetroCity Bankshares, Inc. (MCBS)

MetroCity Bankshares Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 24, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 25, 2026

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