MCBS

MKT CAP:$905M

MetroCity Bankshares, Inc.

Market Cap

$905M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$31.58+$5.31 (+20.21%)

Apr 23, 2026

Company Details

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of d...

CEO

Nack Young Paek

IPO Date

Sep 5, 2019

Website

www.metrocitybank.bank

Key Metrics TTM

Revenue

$239M

+1.9% YoY

Net Income

$69M

EPS (Diluted)

$2.63

Free Cash Flow

$42M

Revenue / Share

$8.91

Gross Margin

62.3%

Operating Margin

38.9%

Net Margin

28.8%

FCF Margin

17.8%

P/S

3.8x

P/E

13.2x

Earnings Reports

FY 2025

Mar 16, 2026

$237M+1.1%EPS $2.64

Q4 2025

Mar 16, 2026

$61M+8.0%EPS $0.68

Q3 2025

Nov 7, 2025

$60M-0.4%EPS $0.67

Q2 2025

Aug 8, 2025

$60M+0.2%EPS $0.65

Q1 2025

May 8, 2025

$58M+0.2%EPS $0.63

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$40M	$38M	$26M
Q2 22	$38M	$35M	$22M
Q3 22	$43M	$37M	$24M
Q4 22	$42M	$28M	$20M
Q1 23	$52M	$32M	$22M
Q2 23	$52M	$30M	$19M
Q3 23	$51M	$27M	$16M
Q4 23	$54M	$28M	$16M
Q1 24	$58M	$33M	$20M
Q2 24	$60M	$36M	$23M
Q3 24	$60M	$36M	$23M
Q4 24	$56M	$34M	$21M
Q1 25	$58M	$36M	$22M
Q2 25	$60M	$38M	$24M
Q3 25	$60M	$39M	$24M
Q4 25	$61M	$37M	$23M

Valuation

Quarter	P/S	P/E
Q1 22	4.2x	9.0x
Q2 22	3.4x	7.4x
Q3 22	3.2x	7.2x
Q4 22	3.2x	8.4x
Q1 23	2.5x	7.3x
Q2 23	2.4x	8.2x
Q3 23	2.5x	9.7x
Q4 23	2.8x	11.5x
Q1 24	2.8x	12.0x
Q2 24	3.0x	12.2x
Q3 24	3.4x	13.2x
Q4 24	3.5x	12.9x
Q1 25	3.0x	10.6x
Q2 25	3.1x	11.0x
Q3 25	3.1x	10.8x
Q4 25	2.9x	10.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$94M	$94M
Q2 22	$51M	$51M
Q3 22	-$2M	-$3M
Q4 22	-$9M	-$10M
Q1 23	$26M	$24M
Q2 23	$47M	$46M
Q3 23	$18M	$16M
Q4 23	-$8M	-$9M
Q1 24	$36M	$36M
Q2 24	$19M	$19M
Q3 24	-$11M	-$12M
Q4 24	$19M	$19M
Q1 25	$12M	$12M
Q2 25	$14M	$14M
Q3 25	$16M	$16M
Q4 25	$224.0K	-$1.0K

Capital Expenditures

Quarter	CapEx
Q1 22	$26.0K
Q2 22	$313.0K
Q3 22	$1M
Q4 22	$925.0K
Q1 23	$1M
Q2 23	$1M
Q3 23	$1M
Q4 23	$943.0K
Q1 24	$243.0K
Q2 24	$354.0K
Q3 24	$280.0K
Q4 24	$409.0K
Q1 25	$70.0K
Q2 25	$118.0K
Q3 25	$261.0K
Q4 25	$225.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+28.4%	+1.0%
Q2 22	+9.3%	+3.7%
Q3 22	+11.7%	+15.9%
Q4 22	+18.4%	+99.3%
Q1 23	+31.6%	+124.8%
Q2 23	+38.5%	+110.8%
Q3 23	+18.4%	+83.2%
Q4 23	+28.7%	+69.5%
Q1 24	+11.1%	+22.6%
Q2 24	+14.4%	+8.2%
Q3 24	+17.7%	+5.8%
Q4 24	+5.3%	-5.0%
Q1 25	+0.2%	-4.1%
Q2 25	+0.2%	-0.5%
Q3 25	-0.4%	-3.8%
Q4 25	+8.0%	+5.6%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$194.0K	0.5%
Q2 22	$359.0K	1.0%
Q3 22	$689.0K	1.6%
Q4 22	$689.0K	1.7%
Q1 23	$298.0K	0.6%
Q2 23	$474.0K	0.9%
Q3 23	$824.0K	1.6%
Q4 23	$825.0K	1.5%
Q1 24	$406.0K	0.7%
Q2 24	$550.0K	0.9%
Q3 24	$837.0K	1.4%
Q4 24	$836.0K	1.5%
Q1 25	$429.0K	0.7%
Q2 25	$599.0K	1.0%
Q3 25	$939.0K	1.6%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$7M	$150.0K
Q2 22	$8M	$126.0K
Q3 22	$8M	$158.0K
Q4 22	$10M	$172.0K
Q1 23	$6M	$146.0K
Q2 23	$7M	$165.0K
Q3 23	$7M	$143.0K
Q4 23	$11M	$160.0K
Q1 24	$7M	$172.0K
Q2 24	$8M	$157.0K
Q3 24	$9M	$145.0K
Q4 24	$12M	$160.0K
Q1 25	$8M	$167.0K
Q2 25	$9M	$149.0K
Q3 25	$9M	$161.0K
Q4 25	$12M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$220M	$21M	$241M
Q3 22	$164M	$20M	$184M
Q4 22	$151M	$19M	$170M
Q1 23	$216M	$19M	$235M
Q2 23	$251M	$19M	$269M
Q3 23	$279M	$18M	$297M
Q4 23	$142M	$18M	$161M
Q1 24	$254M	$18M	$272M
Q2 24	$325M	$18M	$343M
Q3 24	$279M	$18M	$297M
Q4 24	$236M	$17M	$254M
Q1 25	$272M	$15M	$288M
Q2 25	$274M	$3M	$276M
Q3 25	$214M	$2M	$216M
Q4 25	$371M	$47M	$418M
Q1 26	$0	$61M	$61M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	26M	-0.0%	-0.6%
Q2 22	26M	+0.0%	-0.4%
Q3 22	26M	-0.1%	-0.1%
Q4 22	26M	-0.6%	-0.6%
Q1 23	25M	-0.6%	-1.2%
Q2 23	25M	+0.3%	-1.0%
Q3 23	26M	+0.5%	-0.4%
Q4 23	26M	-0.2%	-0.1%
Q1 24	26M	+0.0%	+0.6%
Q2 24	26M	+0.1%	+0.4%
Q3 24	26M	+0.4%	+0.3%
Q4 24	26M	0.0%	+0.5%
Q1 25	26M	+0.1%	+0.6%
Q2 25	26M	-0.0%	+0.5%
Q3 25	26M	+0.1%	+0.2%
Q4 25	27M	+4.2%	+4.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$183.4K	216
Q2 22	$174.4K	216
Q3 22	$200.9K	216
Q4 22	$192.6K	216
Q1 23	$241.2K	216
Q2 23	$241.5K	216
Q3 23	$237.8K	216
Q4 23	$243.4K	220
Q1 24	$263.1K	220
Q2 24	$271.2K	220
Q3 24	$274.8K	220
Q4 24	$234.9K	240
Q1 25	$241.6K	240
Q2 25	$249.1K	240
Q3 25	$250.8K	240
Q4 25	$192.1K	317

Revenue / Employee