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  3. •

    Regional banks
MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc.

31.20
EUR
+1.60
(+5.41%)
2.54EPS
12.16P/E
894.19MMarket Cap

Income Statement (USD)

Income Statement APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
44
59
84
92
99
91
135
135
118
140
153
+ Sales & Services Revenue
44
59
84
92
99
91
135
135
118
140
153
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
11
17
19
26
28
27
32
33
32
36
40
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Pretax Income
26
32
50
56
61
49
83
91
72
87
93
- Income Tax Expense (Benefit)
9
12
18
15
16
12
21
29
20
23
24
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
17
20
32
41
45
36
62
63
52
65
69
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
17
20
32
41
45
36
62
63
52
65
69
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
17
20
32
41
45
36
62
63
52
65
69
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
17
20
32
41
45
36
62
63
52
65
69
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
37.71
34.51
37.84
44.76
45.31
39.79
45.83
46.48
43.73
46.19
44.67
Sales per Employee
- -
- -
- -
- -
474,442
433,498
623,310
623,505
536,523
581,925
483,968
Dividend per Share
0.11
0.16
0.23
0.39
0.42
0.4
0.46
0.6
0.73
0.84
0.97
Depreciation Expense
1
1
1
1
3
3
3
4
3
3
4
Basic Weighted Avg Shares
24
24
24
24
24
26
25
25
25
25
26
Basic EPS, GAAP
0.71
0.86
1.34
1.72
1.83
1.43
2.42
2.47
2.06
2.56
2.67
Basic EPS from Cont Ops
0.71
0.86
1.34
1.72
1.83
1.43
2.42
2.47
2.06
2.56
2.67
Diluted Weighted Avg Shares
24
24
24
24
25
26
26
26
25
25
26
Diluted EPS, GAAP
0.71
0.86
1.33
1.7
1.82
1.42
2.4
2.45
2.03
2.53
2.65
Diluted EPS from Cont Ops
0.71
0.86
1.33
1.7
1.82
1.42
2.4
2.45
2.03
2.53
2.65

Balance Sheet (USD)

Balance Sheet APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
70
92
115
149
286
159
458
170
161
254
378
+ Cash & Cash Equivalents
40
64
94
130
270
141
433
151
142
236
371
+ ST Investments
30
28
21
19
16
18
26
19
18
17
7
+ Accounts & Notes Receiv
2
4
5
5
5
11
11
13
15
16
20
+ Accounts Receivable, Net
2
4
5
5
5
11
11
13
15
16
20
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
4
7
12
14
26
24
22
23
27
26
45
+ Property, Plant & Equip
8
11
16
19
32
31
30
32
37
36
63
- Accumulated Depreciation
3
4
4
5
6
7
8
9
10
10
18
+ LT Investments & Receivables
30
28
21
19
16
18
37
30
29
28
66
+ LT Investments
30
28
21
19
16
18
37
30
29
28
66
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Total Intangible Assets
- -
- -
7
15
18
13
8
4
1
1
70
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
56
+ Other Intangible Assets
- -
- -
7
15
18
13
8
4
1
1
14
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Assets
671
1,100
1,289
1,433
1,632
1,897
3,106
3,427
3,503
3,594
4,768
+ Payables & Accruals
- -
- -
- -
1
1
- -
- -
3
4
3
11
+ Accounts Payable
- -
- -
- -
1
1
- -
- -
3
4
3
11
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
30
- -
- -
2
- -
139
+ ST Borrowings
- -
- -
- -
- -
- -
30
- -
- -
- -
- -
135
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
2
- -
4
+ Other ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
15
114
125
4
76
91
510
384
334
383
387
+ LT Borrowings
15
114
125
4
63
80
500
375
325
375
375
+ LT Finance Leases
- -
- -
- -
- -
12
11
10
9
9
8
12
+ Other LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
582
993
1,154
1,264
1,415
1,653
2,816
3,078
3,121
3,173
4,224
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
36
37
39
40
54
56
52
46
46
49
140
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
+ Additional Paid in Capital
36
37
39
40
54
56
52
45
46
49
139
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
54
70
97
129
163
189
239
286
315
359
403
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
18
20
13
2
Equity Before Minority Interest
90
107
135
169
217
245
290
349
382
421
544
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
90
107
135
169
217
245
290
349
382
421
544
Total Liabilities & Equity
671
1,100
1,289
1,433
1,632
1,897
3,106
3,427
3,503
3,594
4,768
Shares Outstanding
24
24
24
24
25
26
25
25
25
25
29
Number of Employees
- -
- -
- -
- -
208
211
216
216
220
240
317
Capital Leases - Total
- -
- -
- -
- -
12
11
10
9
10
8
15
Net Debt
-25
50
31
-126
-207
-30
68
224
183
139
139
Net Debt to Equity
-27.77
46.84
22.7
-74.73
-95.68
-12.36
23.41
64.23
47.93
32.91
25.57
Tangible Common Equity Ratio
13.33
9.75
10
10.84
12.31
12.3
9.12
10.09
10.86
11.69
10.09
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

Cash Flow Statement APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
17
20
32
41
45
36
62
63
52
65
69
+ Depreciation & Amortization
1
1
1
1
3
3
3
4
3
3
4
+ Non-Cash Items
- -
-161
131
-205
-26
89
6
92
3
2
- -
+ Stock-Based Compensation
- -
1
1
1
2
2
1
2
2
3
3
+ Deferred Income Taxes
1
1
- -
- -
1
-2
-3
-3
1
- -
1
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
-1
-162
130
-207
-29
89
7
93
-1
-1
-4
+ Chg in Non-Cash Work Cap
- -
-1
-12
2
11
14
-5
-24
25
-6
-34
+ (Inc) Dec in Accts Receiv
- -
-2
-1
- -
- -
-6
- -
-2
-2
-1
-2
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
- -
- -
1
- -
-1
- -
3
1
-1
-1
+ Inc (Dec) in Other
- -
1
-11
1
12
20
-4
-24
25
-5
-31
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
17
-141
152
-161
32
143
65
135
82
64
38
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-3
-3
-6
-3
-1
-1
- -
-2
-5
-1
-1
+ Acq of Fixed Prod Assets
-3
-3
-6
-3
-1
-1
- -
-2
-5
-1
-1
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
12
- -
-6
-8
-2
- -
-3
+ Increase in Capital Stock
- -
- -
- -
- -
14
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
-1
- -
-6
-8
-2
- -
-3
+ Net Change in LT Investment
8
2
7
2
3
-2
-19
3
1
1
-5
+ Dec in LT Investment
8
2
8
2
3
4
3
3
1
1
3
+ Inc in LT Investment
- -
- -
-1
- -
- -
-6
-22
- -
- -
- -
-8
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
9
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
9
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-84
-238
-279
110
-20
-475
-911
-652
-107
7
124
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-79
-240
-278
109
-18
-478
-931
-652
-110
6
127
+ Dividends Paid
-3
-4
-5
-9
-10
-10
-12
-15
-18
-21
-25
+ Net Cash From Debt
-25
99
11
-121
59
47
390
-125
-50
50
50
+ Cash From Debt
- -
265
11
- -
150
70
640
525
425
450
100
+ Repayments of Debt
-25
-166
- -
-121
-91
-23
-250
-650
-475
-400
-50
+ Other Financing Activities
99
309
150
224
63
173
783
404
64
7
-53
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
71
404
155
94
124
210
1,156
255
-7
36
-31
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
9
23
29
43
138
-126
291
-262
-35
105
134
EBITDA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow
14
-144
146
-164
31
142
65
132
77
62
37
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-9
Free Cash Flow to Firm
14
-144
146
-164
31
142
65
132
77
62
37
Free Cash Flow to Equity
-11
-45
157
-285
90
189
455
7
27
112
87
Free Cash Flow per Basic Share
0.58
-6.12
6.14
-6.8
1.27
5.56
2.55
5.23
3.08
2.47
1.45
Price/Free Cash Flow
- -
- -
- -
- -
- -
2.47
10.73
4.14
8.07
12.19
18.41
Cash Flow to Net Income
1.01
-6.95
4.76
-3.89
0.72
3.92
1.06
2.15
1.59
0.98
0.55
Capital Expenditures
-3
-3
-6
-3
-1
-1
- -
-2
-5
-1
-1