MCBS
MetroCity Bankshares, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$36.54
+2.04%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 288.5M | 237.0M | 234.4M | 209.4M | 162.3M |
| Cost of Revenue | 101.7M | 90.1M | 95.3M | 91.3M | 24.8M |
| Gross Profit | 186.8M | 147.0M | 139.1M | 118.0M | 137.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 56.6M | 42.5M | 36.2M | 32.1M | 32.9M |
| General & Admin Expense | 55.9M | 42.5M | 35.6M | 31.5M | 32.3M |
| Selling & Marketing Expense | 711.0K | — | 634.0K | 614.0K | 606.0K |
| Other Expenses | 18.1M | 11.6M | 15.6M | 14.0M | 13.3M |
| Total Operating Expenses | 74.7M | 54.0M | 51.8M | 46.1M | 46.2M |
| Cost and Expenses | 176.3M | 144.1M | 147.1M | 137.4M | 71.1M |
| Operating Income (EBIT) | 112.2M | 92.9M | 87.3M | 72.0M | 91.2M |
| Non-Operating | |||||
| Interest Income | 271.4M | 220.8M | 212.9M | 192.8M | 147.2M |
| Interest Expense | 103.4M | 90.4M | 94.8M | 91.3M | 27.6M |
| Net Interest Income | 168.0M | 130.4M | 118.1M | 101.5M | 119.6M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | (79.0M) | — | — | — | — |
| EBT (Pre-Tax Income) | 112.2M | 92.9M | 87.3M | 72.0M | 91.2M |
| Income Tax Expense | 25.1M | 24.2M | 22.8M | 20.4M | 28.6M |
| Bottom Line | |||||
| Net Income | 87.1M | 68.7M | 64.5M | 51.6M | 62.6M |
| Earnings from Cont. Ops | 87.1M | 68.7M | 64.5M | 51.6M | 62.6M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 87.1M | 68.7M | 64.5M | 51.6M | 62.6M |
| Per Share | |||||
| Basic EPS | $3.08 | $2.67 | $2.55 | $2.05 | $2.58 |
| Diluted EPS | $3.05 | $2.64 | $2.52 | $2.02 | $2.55 |
| Revenue Per Share | $9.94 | $9.11 | $9.27 | $8.32 | $6.39 |
| Shares | |||||
| Basic Shares Outstanding | 29.0M | 26.0M | 25.3M | 25.2M | 25.4M |
| Diluted Shares Outstanding | 29.0M | 26.0M | 25.6M | 25.5M | 25.7M |
| Profitability Metrics | |||||
| EBITDA | 191.2M | 92.9M | 90.3M | 74.7M | 95.1M |
| D&A | — | — | 3.0M | 2.7M | 3.9M |
| EBIT | 191.2M | 92.9M | 87.3M | 72.0M | 91.2M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026