MetroCity Bankshares, Inc. (MCBS)

NASDAQ: MCBS · Real-Time Price · USD

36.38

+0.64 (1.79%)

At close: Oct 26, 2026, 4:00 PM EDT

36.44

+0.06 (0.16%)

After-hours: Oct 26, 2026, 7:30 PM EDT

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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	68.53	64.5	51.61	62.6	61.7
Depreciation & Amortization	3.51	2.96	2.69	3.88	2.81
Gain (Loss) on Sale of Assets	-0.03	0.44	-0.31	0.02	0.11
Gain (Loss) on Sale of Investments	-0.35	0.04	-0.04	1.09	0.11
Provision for Credit Losses	-0.32	0.52	-0.02	-2.77	6.93
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.09	2.95	3.3	99	10.95
Accrued Interest Receivable	-1.68	-0.73	-1.95	-2.12	-0.38
Change in Other Net Operating Assets	-31.27	-4.65	25.29	-24.42	-4.18
Other Operating Activities	0.64	0.35	1.01	-2.96	-3.07
Operating Cash Flow	37.7	63.5	82.1	134.69	65.43
Operating Cash Flow Growth	-40.63%	-22.65%	-39.05%	105.85%	-54.10%

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	-0.67	-1.29	-4.93	-2.35	-0.38
Investment in Securities	-5.36	0.64	1.27	2.89	-19.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	123.71	7.66	-110.36	-646.6	-875.71
Other Investing Activities	9.16	-1.14	3.76	-5.75	-35.07
Investing Cash Flow	126.83	5.87	-110.27	-651.82	-930.55

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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)	50	50	-50.39	-125.07	389.98
Issuance of Common Stock	-	0.9	-	-	-
Repurchase of Common Stock	-2.73	-0.01	-2.02	-8.2	-5.54
Common Dividends Paid	-24.85	-21.05	-18.2	-15.29	-11.79
Net Increase (Decrease) in Deposit Accounts	-51.77	5.86	64.1	403.82	783.13
Other Financing Activities	-1.39	-	-	-	-
Financing Cash Flow	-30.73	35.7	-6.51	255.27	1,156

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	133.8	105.07	-34.68	-261.86	290.65

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	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 Margin	23.75%	44.21%	64.47%	94.30%	49.86%
Free Cash Flow Per Share	1.42	2.43	3.02	5.15	2.52

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	91.44	95.4	89.59	25.07	4.59
Cash Income Tax Paid	21.78	21.5	17.97	34.31	23.51

SEC Filings: 10-K · 10-Q