MetroCity Bankshares, Inc.

MCBS

MCBSMetroCity Bankshares, Inc. US flag

NASDAQ Global Select

34.17

USD

+0.34

- -

979.31MMarket Cap

Income Statement (USD)

API ChatGPT

	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	-11	-17	-19	-26	-28	-27	-32	-33	-32	-36	-40
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-26	-32	-50	-56	-61	-49	-83	-91	-72	-87	-93
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-26	-32	-50	-56	-61	-49	-83	-91	-72	-87	-93
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	1	1	1	1	3	3	3	4	3	3	4
EBITDA Margin (%)	1.37	1	0.7	0.97	2.75	3.2	2.09	2.88	2.28	2.12	2.29
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.11	0.16	0.23	0.38	0.42	0.4	0.46	0.6	0.72	0.83	0.97
Depreciation Expense	1	1	1	1	3	3	3	4	3	3	4
Basic Weighted Avg Shares	24	24	24	24	25	26	26	25	25	25	26
Basic EPS, GAAP	0.7	0.86	1.34	1.71	1.82	1.42	2.41	2.46	2.05	2.55	2.66
Basic EPS from Cont Ops	0.7	0.86	1.34	1.71	1.82	1.42	2.41	2.46	2.05	2.55	2.66
Diluted Weighted Avg Shares	24	24	24	24	25	26	26	26	26	26	26
Diluted EPS, GAAP	0.7	0.86	1.32	1.69	1.81	1.41	2.39	2.44	2.02	2.52	2.64
Diluted EPS from Cont Ops	0.7	0.86	1.32	1.69	1.81	1.41	2.39	2.44	2.02	2.52	2.64

Balance Sheet (USD)

API ChatGPT

	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	-73	-95	-120	-154	-291	-170	-469	-183	-176	-270	-398
+ 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	-34	-35	-33	-33	-42	-42	-60	-52	-55	-54	-111
+ 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	-34	-35	-40	-48	-60	-55	-67	-56	-57	-55	-181
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	- -	- -	- -	-1	-1	-30	- -	-3	-6	-3	-149
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	-1	-1	-30	- -	-3	-6	-3	-149
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	-15	-114	-125	-4	-76	-91	-510	-384	-334	-383	-387
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-15	-114	-125	-4	-76	-91	-510	-384	-334	-383	-387
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	26	26	25	25	25	25	29
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

API ChatGPT

	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	1	1	1	1	3	3	3	4	3	3	4
EBITDA Margin (%)	1.37	1	0.7	0.97	2.75	3.2	2.09	2.88	2.28	2.12	2.29
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	- -	-45	157	-285	90	189	455	7	27	112	87
Free Cash Flow per Basic Share	0.57	-6.09	6.12	-6.77	1.27	5.54	2.54	5.21	3.07	2.46	1.44
Price/Free Cash Flow	- -	- -	1.52	-2.55	13	2.6	10.79	4.05	7.04	12.62	17.98
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