MCBS - NASDAQ

MetroCity Bankshares, Inc.

MCBS·NASDAQ

$32.42

-2.0%

Financial ServicesBanks - Regional

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 deposits, money transfers, and other banking services. The company also offers construction and development, commercial real estate, commercial and industrial, single family residential mortgage, small business administration, and other consumer loans; and online banking, treasury management, wire transfer, automated clearing house, and cash management services. It serves small to medium-sized businesses, individuals, businesses, municipalities, and other entities. The company operates 19 full-service branch locations in Alabama, Florida, Georgia, New York, New Jersey, Texas, and Virginia. The company was founded in 2006 and is headquartered in Doraville, Georgia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$929.16M

EPS2.6700

P/E Ratio12.14

Earnings Date07/24/2026

4.77B

Assets

33%

3Y+39.0%

5Y+151.0%

10Y+333.0%

4.22B

Total Liabilities

33%

3Y+37.0%

5Y+156.0%

10Y+325.0%

544.36M

Total Equity

29%

3Y+56.0%

5Y+122.0%

10Y+408.0%

MetroCity Bankshares, Inc. Funding & Solvency Profile

MCBS · NASDAQ

Current Assets

Cash & Cash Equivalents370.83M

Net Receivables20.30M

Inventory0.00

Other Current Assets0.00

Total Current Assets438 M

Non-Current Assets

Property, Plant & Equipment45.07M

Goodwill & Intangible Assets68.67M

Long-Term Investments4.06B

Other Non-Current Assets-4.06B

Total Non-Current Assets45 M

Total Assets

4.77B

Financial Health Analysis

Current Ratio

28.64x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

7.76x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

423 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

9% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

MetroCity Bankshares, Inc. Balance Sheet

MCBS • NASDAQ

MetroCity Bankshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	370.8M	236.3M	142.2M	151M	432.5M	140.7M	270.5M	130.3M	94.4M	63.8M	40.3M	32.8M	17.7M
Short-Term Investments	47.2M	17.4M	18.5M	19.2M	25.7M	18.1M	15.7M	18.9M	21.1M	27.9M	30.1M	0.0	0.0
Cash & Short-Term Investments	418M	253.7M	160.6M	170.2M	458.3M	158.9M	286.2M	149.2M	115.4M	91.7M	70.4M	32.8M	17.7M
Net Receivables	20.3M	15.9M	15.1M	13.2M	11.1M	10.7M	5.1M	5M	4.8M	3.8M	2.1M	0.0	0.0
Accounts Receivables	20.3M	15.9M	15.1M	13.2M	11.1M	10.7M	5.1M	5M	4.8M	3.8M	2.1M	0.0	0.0
Total Current Assets	438.3M	269.6M	175.8M	183.4M	469.3M	169.5M	291.3M	154.1M	120.2M	95.5M	72.5M	32.8M	17.7M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	45.1M	26.1M	26.6M	22.7M	22.4M	24.2M	26.4M	14.4M	12.4M	7.3M	4.3M	1.5M	1.8M
Goodwill	56M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	12.6M	1.4M	1.3M	4M	7.7M	13M	18.1M	14.9M	6.8M	9.4K	65.5K	5.7M	5.4M
Goodwill & Intangible Assets	68.7M	1.4M	1.3M	4M	7.7M	13M	18.1M	14.9M	6.8M	9.4K	65.5K	5.7M	5.4M
Long-Term Investments	4.1B	3.2B	3.2B	3.1B	2.5B	1.6B	1.2B	1.2B	1.1B	959.1M	563.8M	0.0	0.0
Other Non-Current Assets	-4.1B	125.6M	110.8M	136.3M	106.8M	70.6M	56M	55.4M	57.7M	38.2M	30.7M	542.5M	490.1M
Total Non-Current Assets	113.7M	3.3B	3.3B	3.2B	2.6B	1.7B	1.3B	1.3B	1.2B	1B	598.9M	549.8M	497.3M
Other Assets	4.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	4.8B	3.6B	3.5B	3.4B	3.1B	1.9B	1.6B	1.4B	1.3B	1.1B	671.4M	582.6M	515M
LIABILITIES
CURRENT LIABILITIES
Total Payables	10.7M	3.5M	4.1M	2.7M	204K	222K	890K	1.3M	401K	355.7K	197.7K	0.0	0.0
Accounts Payable	10.7M	3.5M	4.1M	2.7M	204K	222K	890K	1.3M	401K	355.7K	197.7K	0.0	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	30M	0.0	0.0	0.0	0.0	0.0	25M	20M
Capital Lease Obligations (Current)	0.0	0.0	1.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	4.6M	2.7B	2.7B	2.7B	2.3B	1.5B	1.3B	1.2B	1B	870.9M	562.9M	-184.3K	0.0
Total Current Liabilities	15.3M	2.7B	2.7B	2.7B	2.3B	1.5B	1.3B	1.2B	1B	871.2M	563M	0.0	168.9K
NON-CURRENT LIABILITIES
Long Term Debt	525.3M	375M	325M	375.4M	500.5M	80.5M	63.1M	4.3M	125M	114M	15.5M	16M	18.4M
Other Non-Current Liabilities	3.7B	49.5M	50.8M	24M	42.4M	51.2M	31.3M	14.3M	8.4M	7.5M	3.3M	493.5M	435.1M
Total Non-Current Liabilities	4.2B	432.4M	384.4M	408.2M	552.7M	142.5M	106.9M	18.6M	133.5M	121.6M	18.8M	509.3M	453.5M
Capital Lease Obligations	15.3M	7.9M	10.5M	8.9M	9.9M	10.9M	12.5M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	4.2B	3.2B	3.1B	3.1B	2.8B	1.7B	1.4B	1.3B	1.2B	992.8M	581.8M	509.5M	453.7M
SHAREHOLDERS' EQUITY
Common Stock	1.2M	254K	252K	252K	255K	257K	255K	242K	120.4K	118.2K	114.9K	26.4K	25.5K
Additional Paid-In Capital	138.7M	49.2M	45.7M	45.3M	51.6M	55.7M	53.9M	40M	38.5M	37.1M	35.9M	33.4M	32.4M
Retained Earnings	402.9M	358.7M	315.4M	285.8M	238.6M	188.7M	162.6M	128.6M	96.5M	70.1M	53.6M	39.7M	29.1M
Accumulated Other Comprehensive Income/Loss	1.7M	13.2M	20.2M	18M	-168K	195K	-1K	-104K	-68K	-61.9K	-63.5K	-51K	-275K
Total Stockholders' Equity	544.4M	421.4M	381.5M	349.4M	290.2M	244.8M	216.7M	168.6M	135.1M	107.3M	89.6M	73.1M	61.3M
Total Equity	544.4M	421.4M	381.5M	349.4M	290.2M	244.8M	216.7M	168.6M	135.1M	107.3M	89.6M	73.1M	61.3M
SUMMARY
Total Liabilities & Equity	4.8B	3.6B	3.5B	3.4B	3.1B	1.9B	1.6B	1.4B	1.3B	1.1B	671.4M	582.6M	515M
Total Investments	4.1B	3.2B	3.2B	3.1B	2.5B	1.6B	1.3B	1.2B	1.1B	987M	593.9M	0.0	0.0
Total Debt	540.6M	382.9M	335.5M	384.3M	510.3M	121.4M	75.6M	4.3M	125M	114M	15.5M	16M	18.4M
Net Debt	169.8M	146.6M	193.3M	233.3M	77.8M	-19.4M	-194.9M	-126M	30.7M	50.2M	-24.9M	-16.8M	724.1K
Shares Outstanding	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746	25,537,746

SEC Filings

MCBS - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 22, 2026	May 21, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 20, 2026	May 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 15, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 26, 2026	March 23, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	February 12, 2026	February 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 21, 2026	2026	View Filing

Showing 1 to 10 of 118 filings

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