MetroCity Bankshares, Inc. (MCBS) Income Statement
MCBS 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsMCBS revenue and net income
Where MCBS's revenue goes
2025Each bar shows an amount and its share of revenue. MCBS kept 29.0% of revenue as net income.
MCBS profit margins
MCBS growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +1.1% | +13.5% | +18.1% | +17.4% |
| Gross profit | +5.6% | +2.3% | +10.8% | +12.8% |
| Operating income | +6.4% | +0.6% | +13.8% | +13.6% |
| Net income | +6.5% | +3.1% | +13.6% | +15.3% |
| EPS (diluted) | +9.2% | +2.2% | +14.2% | +14.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
MCBS quarterly EPS vs estimates
MetroCity Bankshares beat the analyst EPS estimate in 7 of the last 8 quarters.
MCBS income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $237.0M | $234.4M | $115.6M | $162.3M | $139.2M | $103.0M | $120.9M | $107.0M | $92.9M | $63.8M |
| Cost of revenue | $90.1M | $95.3M | $91.3M | $24.8M | $11.5M | $15.0M | $22.2M | $15.9M | $11.7M | $5.2M |
| Gross profit | $147.0M | $139.1M | $211.0M | $137.4M | $127.7M | $88.0M | $98.7M | $91.1M | $81.2M | $58.6M |
| Sales, general & admin | $42.5M | $36.2M | $31.1M | $32.9M | $32.1M | $26.8M | $28.1M | $26.1M | $18.6M | $16.5M |
| Total operating expenses | $54.0M | $51.8M | $72.0M | $46.2M | $45.1M | $39.2M | $37.8M | $35.1M | $31.2M | $26.2M |
| Operating income | $92.9M | $87.3M | $72.0M | $91.2M | $82.6M | $48.8M | $60.9M | $56.0M | $50.0M | $32.4M |
| Interest income | $220.8M | $212.9M | $186.1M | $147.2M | $108.7M | $77.6M | $83.2M | $72.9M | $60.5M | $43.6M |
| Interest expense | $90.4M | $94.8M | $91.3M | $27.6M | $4.6M | $11.5M | $22.2M | $14.7M | $8.6M | $5.2M |
| Income before taxes | $92.9M | $87.3M | $72.0M | $91.2M | $82.6M | $48.8M | $60.9M | $56.0M | $50.0M | $32.4M |
| Income taxes | $24.2M | $22.8M | $20.4M | $28.6M | $20.9M | $12.4M | $16.1M | $14.7M | $18.2M | $12.2M |
| Net income | $68.7M | $64.5M | $51.6M | $62.6M | $61.7M | $36.4M | $44.7M | $41.3M | $31.9M | $20.2M |
| EBITDA | $92.9M | $90.3M | $72.0M | $95.1M | $85.4M | $51.7M | $63.6M | $56.8M | $50.6M | $33.0M |
| EPS (diluted) | $2.74 | $2.51 | $2.01 | $2.57 | $2.40 | $1.41 | $2.06 | $1.70 | $1.32 | $0.86 |
| Gross margin | 62.0% | 59.4% | 182.5% | 84.7% | 91.7% | 85.5% | 81.6% | 85.1% | 87.4% | 91.8% |
| Operating margin | 39.2% | 37.2% | 62.2% | 56.2% | 59.3% | 47.4% | 50.3% | 52.3% | 53.9% | 50.8% |
| Net margin | 29.0% | 27.5% | 44.6% | 38.6% | 44.3% | 35.3% | 37.0% | 38.6% | 34.3% | 31.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $70.4M | $71.0M | $60.9M | $60.2M | $59.8M | $58.0M | $56.4M | $60.4M | $59.7M | $57.9M | $53.5M | $51.4M |
| Cost of revenue | $26.4M | $26.5M | $24.3M | $21.7M | $22.0M | $22.0M | $22.8M | $24.1M | $23.3M | $25.1M | $25.3M | $24.2M |
| Gross profit | $44.0M | $44.5M | $36.6M | $38.5M | $37.8M | $36.0M | $33.6M | $36.3M | $36.4M | $32.8M | $28.2M | $27.2M |
| Sales, general & admin | $20.0M | $21.2M | $12.3M | $9.1M | $8.7M | $8.7M | $11.8M | $8.7M | $8.2M | $7.5M | $11.3M | $7.0M |
| Total operating expenses | $19.2M | $20.6M | $13.2M | $14.7M | $14.1M | $13.9M | $12.8M | $13.7M | $13.0M | $12.4M | $12.1M | $11.5M |
| Operating income | $24.9M | $23.9M | $23.3M | $23.8M | $23.7M | $22.1M | $20.9M | $22.7M | $23.4M | $20.4M | $16.1M | $15.7M |
| Interest income | $70.4M | $71.0M | $60.3M | $54.0M | $54.0M | $52.5M | $52.6M | $53.8M | $54.1M | $52.4M | $50.7M | $48.7M |
| Interest expense | $26.4M | $26.5M | $24.3M | $22.2M | $21.9M | $22.0M | $22.6M | $23.5M | $23.4M | $25.3M | $24.5M | $24.6M |
| Income before taxes | $30.6M | $30.2M | $23.3M | $23.8M | $23.7M | $22.1M | $20.9M | $22.7M | $23.4M | $20.4M | $16.1M | $15.7M |
| Income taxes | $8.5M | $7.9M | $5.0M | $6.6M | $6.8M | $5.8M | $4.6M | $6.0M | $6.4M | $5.8M | $4.8M | $4.2M |
| Net income | $22.1M | $22.3M | $18.3M | $17.3M | $16.8M | $16.3M | $16.2M | $16.7M | $16.9M | $14.6M | $11.3M | $11.4M |
| EBITDA | $30.6M | $23.9M | $23.3M | $24.8M | $24.5M | $22.9M | $21.6M | $23.4M | $24.1M | $21.2M | $16.9M | $16.4M |
| EPS (diluted) | $0.76 | $0.81 | $0.78 | $0.68 | $0.65 | $0.63 | $0.63 | $0.65 | $0.66 | $0.57 | $0.44 | $0.45 |
| Gross margin | 62.6% | 62.7% | 60.1% | 64.0% | 63.2% | 62.1% | 59.6% | 60.1% | 61.0% | 56.7% | 52.7% | 52.9% |
| Operating margin | 35.3% | 33.6% | 38.3% | 39.6% | 39.6% | 38.1% | 37.0% | 37.5% | 39.2% | 35.3% | 30.1% | 30.5% |
| Net margin | 31.4% | 31.4% | 30.1% | 28.7% | 28.1% | 28.1% | 28.8% | 27.6% | 28.4% | 25.3% | 21.2% | 22.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in MCBS's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
MCBS financial results
In fiscal year 2025 (ended December 31, 2025), MetroCity Bankshares reported revenue of $237.0 million, up 1.1% from the year before. It had net income of $68.7 million (up 6.5%), a net profit margin of 29.0%. Diluted earnings per share came to $2.74. Over five years revenue grew at an average rate of 18.1% a year.
See the MCBS stock overview for the latest quote and news, or the MCBS chart for price history and technical indicators.
MCBS income statement FAQ
What is MetroCity Bankshares's annual revenue?
MetroCity Bankshares reported total revenue of $237.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 1.1% from $234.4 million the previous year.
Is MetroCity Bankshares profitable?
Yes. MetroCity Bankshares reported net income of $68.7 million in fiscal 2025, a net profit margin of 29.0%; its operating margin was 39.2%.
What is MetroCity Bankshares's gross margin?
MetroCity Bankshares's gross margin was 62.0% in fiscal 2025: for every $100 of revenue, MetroCity Bankshares kept $62 after the direct cost of its products and services.
How fast is MetroCity Bankshares growing?
Revenue grew 18.1% a year on average over the last five fiscal years, from $103.0 million to $237.0 million.
What are MetroCity Bankshares's earnings per share?
MetroCity Bankshares earned $2.74 per diluted share in fiscal 2025, compared with $2.51 a year earlier.
When does MetroCity Bankshares's fiscal year end?
MetroCity Bankshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.