MetroCity Bankshares, Inc. (MCBS)
Operating cash flow minus capital spending left $37M of free cash flow in fiscal 2025. At September 30, 2026 it held $317M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about MetroCity Bankshares, Inc.
- Net worth
- MetroCity Bankshares, Inc. has a market value (market cap) of $1B at the latest share price, and shareholders' equity of $583.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $37.7M of cash; after $674K of capital spending, free cash flow was $37M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- MetroCity Bankshares, Inc.'s next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- MetroCity Bankshares, Inc. declared dividends of $0.96 per share in fiscal 2025, a yield of 2.64% at the current price.
What MetroCity Bankshares, Inc. does
MetroCity Bankshares, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker MCBS.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $68.5M | $2.64 | $37M |
| 2024 | n/a | $64.5M | $2.52 | $62.2M |
| 2023 | n/a | $51.6M | $2.02 | $77.2M |
| 2022 | n/a | $62.6M | $2.44 | $132.3M |
| 2021 | n/a | $61.7M | $2.39 | $65M |
| 2020 | n/a | $36.4M | $1.41 | $142M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
MetroCity Bankshares, Inc. declared $0.96 per share in fiscal 2025. At the current price that is a yield of 2.64%. It paid out $24.8M in cash dividends, 36% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.96 | $24.8M | 36% |
| 2024 | $0.83 | $21.1M | 33% |
| 2023 | $0.72 | $18.2M | 35% |
| 2022 | $0.60 | $15.3M | 24% |
| 2021 | n/a | $11.8M | 19% |
| 2020 | n/a | $10.3M | 28% |
Latest SEC filings
What MetroCity Bankshares, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026
- October 23, 2026
- October 21, 2026Other event 8-K
- August 21, 2026
- August 7, 2026
- July 29, 2026Passive stake (5% or more) SCHEDULE 13G
- July 24, 2026
- July 15, 2026Other event 8-K
- May 22, 2026
- May 8, 2026
Insider trades
What the people running MetroCity Bankshares, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| June 1, 2026 | Paek Nack YChief Executive Officer, Director | Received as pay | 31,107 | $1M |
| June 1, 2026 | Lu FeiyingDirector | Received as pay | 735 | $24K |
| June 1, 2026 | Kim Howard HwasaengExecutive Vice President, Director | Received as pay | 21,840 | $713.3K |
| June 1, 2026 | Tan FaridPresident, Director | Received as pay | 31,107 | $1M |
| June 1, 2026 | Leung DonDirector | Received as pay | 735 | $24K |
| June 1, 2026 | Rhee Frank S.Director | Received as pay | 735 | $24K |
| June 1, 2026 | Lai FrancisDirector | Received as pay | 735 | $24K |
| June 1, 2026 | Patel Ajit A.Director | Received as pay | 735 | $24K |
Who owns MCBS
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
13 insiders reported holding 5,469,416 shares in total, about $198.9M at the last price.
| Holder | Shares |
|---|---|
| Paek Nack YChief Executive Officer, Director | 1,376,545 |
| Tan FaridPresident, Director | 1,005,233 |
| Leung DonDirector | 817,330 |
| Kim Howard HwasaengExecutive Vice President, Director | 669,141 |
| Patel Ajit A.Director | 647,333 |
| Paek JohnDirector | 235,821 |
| Glover FrankDirector | 203,825 |
| Lu FeiyingDirector | 168,530 |
| Hungeling William J.Director | 158,163 |
| Shim David S.Director | 105,854 |
Questions about MCBS
What does MetroCity Bankshares, Inc. do?
MetroCity Bankshares, Inc. is a company in the Finance sector, listed on NASDAQ as MCBS. Its shares trade on NASDAQ under the ticker MCBS.
What is MetroCity Bankshares, Inc.'s net worth?
MetroCity Bankshares, Inc. has a market value (market cap) of $1B at the latest share price, and shareholders' equity of $583.9M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is MetroCity Bankshares, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $86.9M.
When did MetroCity Bankshares, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is MetroCity Bankshares, Inc.'s next earnings report?
MetroCity Bankshares, Inc.'s next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does MetroCity Bankshares, Inc. pay a dividend?
Yes. MetroCity Bankshares, Inc. declared dividends of $0.96 per share in fiscal 2025, a yield of 2.64% at the current price.
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Where the numbers come from
Financial figures are the values MetroCity Bankshares, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.