MetroCity Bankshares, Inc.

MCBS

MetroCity Bankshares, Inc.

MCBS

Insider Sentiment (TTM):

Last Purchase:2024-06-05Last Sale:2024-11-25Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,930,739Shares Outstanding:28,779,534Institutional Ownership Pct.:24.08%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	254	374	371	214	274	272	236	279	325	254	142	279
Federal Funds Sold	12	14	13	13	12	13	14	12	3	5	3	3
Cash And Cash Equivalents At Carrying Value	267	388	384	227	286	285	250	291	328	259	145	282
Marketable Securities	18	19	19	19	18	18	10	11	10	10	10	10
Debt Securities Available For Sale Excluding Accru…	26	27	47	15	15	15	17	18	18	18	18	18
Loans Receivable Held For Sale Amount	1	-	10	231	5	35	-	5	-	73	22	-
Notes Receivable Net	3,931	3,974	4,024	2,949	3,103	3,114	3,139	3,069	3,073	3,098	3,124	3,012
Assets
Assets	4,520	4,688	4,768	3,629	3,616	3,660	3,594	3,569	3,615	3,647	3,503	3,511
Interest Receivable	20	20	20	17	17	16	16	16	15	16	15	15
Federal Home Loan Bank Stock	21	23	28	23	23	23	20	20	20	19	18	18
Property Plant And Equipment Net	30	30	30	18	18	18	18	18	18	18	18	17
Operating Lease Right Of Use Asset	14	14	15	8	8	8	8	7	8	8	8	7
Other Real Estate And Foreclosed Assets	1	1	0	1	1	2	0	2	1	1	1	1
Bank Owned Life Insurance	77	76	76	75	75	74	73	73	72	71	71	70
Goodwill	56	56	56	-	-	-	-	-	-	-	-	-
Finite Lived Intangible Assets Net	12	12	13	-	-	-	-	-	-	-	-	-
Derivative Assets	5	5	6	9	13	17	22	19	36	39	32	47
Other Assets	28	30	29	29	27	26	11	12	7	9	11	5
Liabilities
Noninterest Bearing Domestic Deposit Demand	783	799	781	544	549	540	536	552	564	547	512	560
Deposits
Deposits	3,489	3,627	3,646	2,693	2,689	2,737	2,737	2,723	2,746	2,814	2,731	2,719
Interest Bearing Deposit Liabilities	2,706	2,827	2,865	2,149	2,141	2,197	2,201	2,171	2,182	2,267	2,219	2,159
Advances From Federal Home Loan Banks	375	425	510	425	425	425	375	375	375	350	325	325
Operating Lease Liability	14	15	15	8	8	8	8	7	8	8	9	8
Interest Payable Current And Noncurrent	8	10	11	4	3	3	3	4	3	3	4	4
Other Liabilities	66	58	42	54	53	58	49	53	76	76	53	71
Liabilities	3,952	4,134	4,224	3,184	3,180	3,232	3,173	3,162	3,208	3,251	3,121	3,126
Statement Of Stockholders…
Common Stock Value	0	0	1	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	136	136	139	51	50	50	49	47	47	46	46	46
Retained Earnings Accumulated Deficit	432	418	403	391	380	369	359	348	337	325	315	309
Accumulated Other Comprehensive Income Loss Net Of…	-0	1	2	4	6	9	13	11	24	25	20	30
Stockholders Equity	568	554	544	446	436	428	421	407	407	397	382	385
Liabilities And Stockholders Equity	4,520	4,688	4,768	3,629	3,616	3,660	3,594	3,569	3,615	3,647	3,503	3,511
Financing Receivable Allowance For Credit Loss Exc…	-	27	28	18	19	19	19	19	18	18	18	18
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	29	29	29	26	26	25	25	25	25	25	25	25
Shares Outstanding	29	29	29	26	26	25	25	25	25	25	25	25

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.18%	9.60%	11.77%	-	-	-	-	-	-	-	-	-
2025	-2.50%	-0.89%	2.39%	9.19%	4.63%	-3.39%	2.03%	2.72%	4.52%	8.92%	15.46%	19.20%
2024	-0.16%	6.93%	29.49%	13.90%	10.33%	10.26%	0.91%	-5.85%	-8.11%	-7.82%	4.39%	2.51%
2023	-	-	-	-	-	-	1.99%	13.84%	16.02%	-1.21%	4.55%	3.50%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.31	-0.30	-0.29	-0.27	-0.27	0.19	0.69	1.21	1.77	1.73	1.79	1.92
Per Share Metrics
Diluted EPS TTM	2.76	2.57	2.64	2.58	2.57	2.57	2.52	2.32	2.13	1.98	2.02	1.97
Free Cash Flow Per Share TTM	1.66	2.47	1.44	1.93	0.84	1.49	2.46	1.35	2.46	3.53	3.06	3.03
Dividend Per Share TTM	0.95	0.91	0.97	0.73	0.66	0.86	0.83	0.78	0.76	0.74	0.72	0.69
Margin Metrics
Gross Profit Margin TTM	-39.07%	-5,907.41%	-3,782.26%	-2,655.86%	-2,714.84%	-2,738.58%	-4,471.49%	-6,764.49%	-6,957.31%	-7,161.64%	-6,865.17%	29,208.19%
Operating Profit Margin TTM	150.81%	6,382.09%	3,981.70%	2,812.97%	2,793.74%	2,760.96%	4,211.96%	4,078.91%	3,809.88%	3,696.97%	3,752.45%	-26,821.35%
Net Profit Margin TTM	111.72%	4,718.29%	2,943.81%	2,072.41%	2,067.57%	2,053.69%	3,111.63%	2,944.00%	2,739.06%	2,636.43%	2,690.98%	-17,952.31%
Growth Metrics
Net Revenue Growth (1Y)	2,137.25%	-50.96%	12.30%	58.77%	61.04%	68.16%	8.08%	-820.64%	4.15%	-2.19%	-3.67%	-101.66%
Net Income Growth (1Y)	20.88%	12.66%	6.24%	11.76%	21.56%	30.99%	24.98%	18.18%	-2.80%	-14.24%	-17.55%	-27.80%
EPS Growth (1Y)	7.18%	-0.56%	4.39%	10.86%	20.61%	29.98%	24.59%	17.91%	-3.02%	-14.45%	-16.89%	-27.34%
Valuation Metrics
P/E TTM	12.79	10.88	9.72	10.25	10.54	10.05	11.80	12.17	11.40	11.48	10.73	8.94
P/B TTM	1.80	1.46	1.22	1.53	1.60	1.55	1.81	1.78	1.52	1.46	1.45	1.17
P/S TTM	14.29	513.44	286.00	212.39	217.90	206.38	367.29	358.32	312.30	302.67	288.68	-1,604.21
Market Cap	1.02B	811.23M	665.80M	682.83M	696.18M	664.97M	761.40M	725.61M	619.60M	579.91M	553.68M	450.78M
Enterprise Value	754.96M	423.63M	282.12M	455.67M	410.17M	379.91M	511.52M	434.39M	291.74M	321.07M	408.87M	168.73M
Calculated Values
Free Cash Flow TTM	47.68M	71.00M	37.03M	49.34M	21.36M	37.94M	62.22M	34.11M	62.19M	88.91M	77.17M	76.58M
Net Debt	-266.69M	-387.60M	-383.68M	-227.16M	-286.01M	-285.06M	-249.88M	-291.21M	-327.86M	-258.84M	-144.81M	-282.06M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-11-25Sale

Owner: Tan, Farid

Title: President

Shares: 5,983

Price/Share: $35.64

Value: $213,234.12

Shares Owned: 914,888

Relationship: Director,Officer

Ownership: Direct

2024-11-13Sale

Owner: Tan, Farid

Title: President

Shares: 749

Price/Share: $35.56

Value: $26,634.44

Shares Owned: 920,871

Relationship: Director,Officer

Ownership: Direct

2024-11-12Sale

Owner: Tan, Farid

Title: President

Shares: 400

Price/Share: $35.50

Value: $14,200.00

Shares Owned: 921,620

Relationship: Director,Officer

Ownership: Direct

2024-11-07Sale

Owner: Patel, Ajit A.

Title: -

Shares: 5,000

Price/Share: $33.10

Value: $165,500.00

Shares Owned: -

Relationship: Director

Ownership: Indirect

2024-11-06Sale

Owner: Tan, Farid

Title: President

Shares: 21,000

Price/Share: $34.03

Value: $714,630.00

Shares Owned: 923,888

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-11-25	Tan, Farid	Director,Officer	President	Direct	Sale	5,983	35.64	$213,234.12	914,888	4
2024-11-13	Tan, Farid	Director,Officer	President	Direct	Sale	749	35.56	$26,634.44	920,871	4
2024-11-12	Tan, Farid	Director,Officer	President	Direct	Sale	400	35.50	$14,200.00	921,620	4
2024-11-07	Patel, Ajit A.	Director	-	Indirect	Sale	5,000	33.10	$165,500.00	0	4
2024-11-06	Tan, Farid	Director,Officer	President	Direct	Sale	21,000	34.03	$714,630.00	923,888	4
2024-08-22	Shim, Sam Sang-Koo	Director	-	Direct	Sale	46,200	27.90	$1,288,980.00	537,961	4
2024-08-20	Shim, Sam Sang-Koo	Director	-	Direct	Sale	10,110	28.00	$283,080.00	584,161	4
2024-08-01	Shim, Sam Sang-Koo	Director	-	Direct	Sale	3,613	30.29	$109,437.77	621,403	4
2024-07-30	Tan, Farid	Director,Officer	President	Direct	Sale	9,001	32.00	$288,032.00	944,888	4
2024-07-29	Tan, Farid	Director,Officer	President	Direct	Sale	502	32.00	$16,064.00	953,889	4
2024-07-29	Leung, Don	Director	-	Direct	Sale	1,256	31.47	$39,526.32	815,736	4
2024-07-26	Leung, Don	Director	-	Direct	Sale	11,193	31.11	$348,214.23	816,992	4
2024-07-25	Paek, Nack Y	Director,Officer	Chief Executive Officer	Direct	Sale	31,713	30.88	$979,297.44	1,286,200	4
2024-07-25	Leung, Don	Director	-	Direct	Sale	9,554	31.07	$296,842.78	828,185	4
2024-07-22	Leung, Don	Director	-	Direct	Sale	17,014	31.02	$527,774.28	914,453	4
2024-07-17	Leung, Don	Director	-	Direct	Sale	68,321	28.59	$1,953,297.39	931,467	4
2024-07-15	Leung, Don	Director	-	Direct	Sale	26,205	28.50	$746,842.50	1,055,201	4
2024-06-05	Shim, Sam Sang-Koo	Director	-	Direct	Purchase	1,420	24.00	$34,080.00	625,016	4
2024-04-29	Shim, Sam Sang-Koo	Director	-	Indirect	Purchase	1,900	23.90	$45,410.00	7,089	4
2023-11-14	Paek, Nack Y	Director,Officer	Chief Executive Officer	Direct	Sale	26,800	20.79	$557,172.00	1,301,985	4
2023-11-10	Paek, Nack Y	Director,Officer	Chief Executive Officer	Direct	Sale	5,393	20.22	$109,046.46	1,331,548	4
2023-05-02	Hungeling, William J.	Director	-	Direct	Purchase	1,000	15.37	$15,370.00	154,338	4
2023-03-14	Shim, Sam Sang-Koo	Director	-	Indirect	Purchase	5,000	18.48	$92,400.00	5,000	4
2023-03-13	Patel, Ajit A.	Director	-	Indirect	Purchase	2,500	16.40	$41,000.00	5,000	4
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Institutional Ownership

No data available for chart

2026-03-31

24.08%

Inst. Shares: 6,930,739

Shares Outstanding: 28,779,534

2025-12-31

24.70%

Inst. Shares: 6,355,311

Shares Outstanding: 25,733,733

2025-09-30

23.83%

Inst. Shares: 6,085,017

Shares Outstanding: 25,537,746

2025-06-30

23.74%

Inst. Shares: 6,039,636

Shares Outstanding: 25,445,024

2025-03-31

23.33%

Inst. Shares: 5,925,533

Shares Outstanding: 25,402,782

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,930,739	28,779,534	24.08%
2025-12-31	6,355,311	25,733,733	24.70%
2025-09-30	6,085,017	25,537,746	23.83%
2025-06-30	6,039,636	25,445,024	23.74%
2025-03-31	5,925,533	25,402,782	23.33%
2024-12-31	5,922,397	25,283,345	23.42%
2024-09-30	5,773,892	25,331,916	22.79%
2024-06-30	5,365,454	25,245,842	21.25%
2024-03-31	5,109,664	25,205,506	20.27%
2023-12-31	5,057,897	25,205,489	20.07%
2023-09-30	4,693,285	25,274,665	18.57%
2023-06-30	4,755,726	25,188,567	18.88%
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MetroCity Bankshares, Inc. (MCBS) — SEC Financial Statements & Analysis

MetroCity Bankshares, Inc. (MCBS) is a state commercial banks company, incorporated in GA. MetroCity Bankshares, Inc. trades on Nasdaq as: MCBS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), MetroCity Bankshares, Inc. reported a 2137.25% year-over-year revenue growth, a Gross Profit Margin of -39.07% (TTM), a Price-to-Sales (P/S) ratio of 14.29x (TTM), a Price-to-Book (P/B) ratio of 1.80x (TTM), at a market cap of $1.02B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 2137.25%
Gross Profit Margin TTM: -39.07%
P/S TTM: 14.29x
P/B TTM: 1.80x
Market Cap: $1.02B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is MetroCity Bankshares, Inc. in?

MetroCity Bankshares, Inc. (MCBS) operates in the State Commercial Banks industry.

What is MCBS's market cap?

MetroCity Bankshares, Inc. (MCBS) has a market capitalization of $1.02B as of 2026-06-30.

What is MCBS's P/E ratio?

MetroCity Bankshares, Inc. (MCBS)'s trailing twelve month P/E ratio is 12.79x as of 2026-06-30.

What exchange does MCBS trade on?

MetroCity Bankshares, Inc. (MCBS) trades on the Nasdaq.

Where is MetroCity Bankshares, Inc. incorporated?

MetroCity Bankshares, Inc. is incorporated in GA.