MetroCity Bankshares, Inc. Financial Ratios — MCBS Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	32.63	38.24	36.67	30.66	20.69	28.85	23.85	17.16	19.12	17.97
Return on Assets (%)	- -	2.28	2.67	3.04	2.92	2.06	2.47	1.92	1.49	1.82	1.64
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.37	1	0.7	0.97	2.75	3.2	2.09	2.88	2.28	2.12	2.29
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	59.12	55.34	59.37	60.64	61.68	53.31	61.37	67.73	60.98	62.52	60.42
Profit Margin (%)	37.71	34.51	37.84	44.76	45.31	39.79	45.83	46.48	43.73	46.19	44.67
Net Income to Common Margin (%)	37.71	34.51	37.84	44.76	45.31	39.79	45.83	46.48	43.73	46.19	44.67
Effective Tax Rate (%)	36.21	37.64	36.27	26.19	26.53	25.37	25.32	31.37	28.29	26.12	26.07
Dvd Payout Ratio (%)	16.04	18.65	16.93	22.48	23.18	28.26	19.11	24.42	35.26	32.64	36.25
Sustainable Growth Rate (%)	- -	26.54	31.76	28.43	23.55	14.84	23.33	18.03	11.11	12.88	11.45

Credit (USD)

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	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 Debt	15	114	125	4	76	121	510	384	335	383	525
ST Debt	- -	- -	- -	- -	- -	30	- -	- -	2	- -	139
LT Debt	15	114	125	4	76	91	510	384	334	383	387
Total Debt/EBITDA	25.62	195.65	210.86	4.74	27.82	41.45	181.67	99.17	124.85	129.37	149.62
Net Debt/EBITDA	-41.23	86.2	51.72	-140.16	-76.29	-10.33	24.19	57.92	68.05	46.85	39.64
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8	6.38	7.5	8.99	9.98	9.96	7.69	8.35	9.01	9.99	8.47
Long-Term Debt/Equity (%)	17.25	106.32	92.54	2.52	34.89	37.33	175.84	109.98	87.45	90.88	71.04
Long-Term Debt/Capital (%)	22.33	61.9	56.4	3.2	31.7	29.45	68.12	57.32	51.25	51.62	41.61
Long-Term Debt/Total Assets (%)	2.3	10.37	9.7	0.3	4.63	4.82	16.43	11.21	9.53	10.65	8.11
Total Debt/Equity (%)	17.25	106.32	92.54	2.52	34.89	49.58	175.84	109.98	87.93	90.88	96.53
Total Debt/Capital (%)	22.33	61.9	56.4	3.2	31.7	39.11	68.12	57.32	51.52	51.62	56.54
Total Debt/Total Assets (%)	2.3	10.37	9.7	0.3	4.63	6.4	16.43	11.21	9.58	10.65	11.02
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
Net Debt/Capital (%)	-86.14	41.72	24.09	-4,514.73	647.62	-17.84	21.46	43.21	35.93	27.43	24.93
EBITDA	1	1	1	1	3	3	3	4	3	3	4
EBITDA-CapEx	-3	-3	-5	-2	2	2	2	2	-2	2	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8	6.38	7.5	8.99	9.98	9.96	7.69	8.35	9.01	9.99	8.47
Long-Term Debt/Equity (%)	17.25	106.32	92.54	2.52	34.89	37.33	175.84	109.98	87.45	90.88	71.04
Long-Term Debt/Capital (%)	22.33	61.9	56.4	3.2	31.7	29.45	68.12	57.32	51.25	51.62	41.61
Long-Term Debt/Total Assets (%)	2.3	10.37	9.7	0.3	4.63	4.82	16.43	11.21	9.53	10.65	8.11
Total Debt/Equity (%)	17.25	106.32	92.54	2.52	34.89	49.58	175.84	109.98	87.93	90.88	96.53
Total Debt/Capital (%)	22.33	61.9	56.4	3.2	31.7	39.11	68.12	57.32	51.52	51.62	56.54
Total Debt/Total Assets (%)	2.3	10.37	9.7	0.3	4.63	6.4	16.43	11.21	9.58	10.65	11.02
CFO/Total Liabilities	2.88	-14.16	13.16	-12.74	2.28	8.63	2.32	4.38	2.63	2	0.89
CFO/CapEx	5.25	-40.62	25.68	-56.39	29.33	265.47	170.4	57.22	16.65	49.38	55.94
Altman's Z-Score	0.18	0.14	0.29	0.38	0.38	0.32	0.3	0.26	0.28	0.33	0.25

Working Capital (USD)

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	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

Accounts Receivable Turnover	- -	19.89	19.78	19.02	19.62	11.6	12.4	11.12	8.34	9.02	8.49
Days Sales Outstanding	- -	18.35	18.45	19.2	18.6	31.47	29.45	32.82	43.75	40.49	43.01
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	- -	- -	237	399	430	370	705	550	605	808	683
- Cash & Cash Equivalents	40	64	94	130	270	141	433	151	142	236	371
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	15	114	125	4	76	121	510	384	335	383	525
Enterprise Value	-55	22	247	254	220	332	757	764	780	937	831
Total Capital	69	184	222	133	238	310	749	670	651	742	929
Total Debt/Capital (%)	22.33	61.9	56.4	3.2	31.7	39.11	68.12	57.32	51.52	51.62	56.54
Total Debt / EV	-0.28	5.11	0.51	0.02	0.34	0.37	0.67	0.5	0.43	0.41	0.63
EV/Sales	- -	0.38	2.93	2.75	2.23	3.63	5.62	5.67	6.6	6.71	5.41
EV/EBITDA	- -	38.32	416.54	282.71	80.81	113.39	269.45	197.16	290.13	316.69	236.55
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	1.63	- -	6.82	2.33	11.57	5.67	9.5	14.76	22.03
EV/Free Cash Flow to Firm	- -	- -	1.57	- -	6.6	2.32	11.5	5.57	8.96	14.47	21.64
Diluted Market Cap	- -	- -	240	404	433	372	710	556	613	817	690
Diluted Enterprise Value	-25	50	271	278	238	353	788	789	806	964	845
EV per Share	- -	0.94	10.35	10.51	8.94	12.96	29.56	30.05	30.96	37.06	32.28
TTM Sales	44	59	84	92	99	91	135	135	118	140	153
TTM EBITDA	1	1	1	1	3	3	3	4	3	3	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	17	-141	152	-161	32	143	65	135	82	64	38
TTM Free Cash Flow to Firm	20	-137	158	-158	33	143	66	137	87	65	38

Multiples (USD)

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	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

Price/Free Cash Flow	- -	- -	1.52	-2.55	13	2.6	10.79	4.05	7.04	12.62	17.98
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-55	22	247	254	220	332	757	764	780	937	831
Low Price	- -	- -	6	9.78	12.38	8.31	14	18.61	13.1	21.89	24.24
EV/Sales	- -	0.38	2.93	2.75	2.23	3.63	5.62	5.67	6.6	6.71	5.41
EV/EBITDA	- -	38.32	416.54	282.71	80.81	113.39	269.45	197.16	290.13	316.69	236.55
Price/Earnings	- -	- -	7.44	9.65	9.62	10.15	11.42	8.78	11.72	12.53	9.97
Price/Earnings Average	- -	- -	6.6	7.27	8.22	9.54	8.01	8.94	9.46	10.77	10.64
Price/Earnings High	- -	- -	8.23	9.71	9.77	13.43	12.37	11.88	12.8	14.18	13.11
Price/Earnings Low	- -	- -	4.49	5.72	6.8	5.85	5.81	7.56	6.39	8.58	9.1
Price/Book Value	- -	- -	2.46	3.1	2.64	1.96	2.95	1.92	1.92	2.25	1.69
Price/Book Value Average	- -	- -	2.18	2.33	2.26	1.84	2.07	1.96	1.55	1.94	1.81
Price/Book Value High	- -	- -	2.72	3.12	2.68	2.59	3.2	2.6	2.09	2.55	2.22
Price/Book Value Low	- -	- -	1.48	1.84	1.87	1.13	1.5	1.65	1.05	1.54	1.54
Price/Tangible Book Value	- -	- -	1.85	2.6	2.17	1.59	2.5	1.59	1.59	1.92	1.44
Price/Tangible Book Value Average	- -	- -	1.64	1.96	1.85	1.5	1.75	1.62	1.28	1.65	1.54
Price/Tangible Book Value High	- -	- -	2.05	2.61	2.2	2.11	2.7	2.15	1.74	2.18	1.9
Price/Tangible Book Value Low	- -	- -	1.12	1.54	1.53	0.92	1.27	1.37	0.87	1.32	1.32
Price/Sales	- -	- -	2.82	4.32	4.36	4.04	5.24	4.08	5.12	5.79	4.45
Price/Sales Average	- -	- -	2.5	3.25	3.72	3.79	3.67	4.16	4.14	4.97	4.75
Price/Sales High	- -	- -	3.11	4.35	4.43	5.34	5.67	5.52	5.59	6.55	5.86
Price/Sales Low	- -	- -	1.7	2.56	3.08	2.33	2.66	3.51	2.79	3.96	4.07
Price/Cash Flow	- -	- -	1.56	-2.48	13.36	2.59	10.77	4.08	7.37	12.73	18.11
Price/Cash Flow Average	- -	- -	1.39	-1.87	11.41	2.43	7.55	4.16	5.95	10.94	19.34
Price/Cash Flow High	- -	- -	1.73	-2.49	13.57	3.43	11.67	5.52	8.04	14.4	23.83
Price/Cash Flow Low	- -	- -	0.94	-1.47	9.45	1.49	5.48	3.51	4.02	8.72	16.54
Price/Free Cash Flow Average	- -	- -	1.35	-1.92	11.11	2.44	7.56	4.13	5.69	10.84	19.2
Price/Free Cash Flow High	- -	- -	1.68	-2.57	13.21	3.44	11.68	5.48	7.69	14.27	23.66
Price/Free Cash Flow Low	- -	- -	0.92	-1.51	9.19	1.5	5.49	3.49	3.84	8.64	16.43
EV/Sales Average	- -	0.86	2.86	1.89	1.75	3.58	4.25	5.89	5.77	6.02	5.76
EV/Sales High	- -	0.86	3.48	2.98	2.45	5.13	6.25	7.26	7.23	7.6	6.86
EV/Sales Low	- -	0.86	2.06	1.2	1.11	2.12	3.24	5.25	4.43	5.01	5.07
EV/EBITDA Average	-41.23	86.2	406.76	194.06	63.49	111.89	203.56	204.72	253.66	284.22	251.69
EV/EBITDA High	-41.23	86.2	494.29	306.41	89.02	160.26	299.48	252.18	317.72	358.46	299.85
EV/EBITDA Low	-41.23	86.2	293.12	122.94	40.21	66.11	155.3	182.31	194.69	236.6	221.65
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	9.95	16.5	17.51	14.42	27.53	21.63	24.02	31.95	26.54
High Price	- -	- -	11	16.6	17.78	19.07	29.82	29.26	26.23	36.15	34.91
Enterprise Value Average	-25	50	241	174	173	328	572	793	682	841	884
Enterprise Value High	-25	50	293	275	242	469	841	977	854	1,061	1,053
Enterprise Value Low	-25	50	174	111	109	194	436	706	523	700	778

Shares Outstanding	24	24	24	24	26	26	25	25	25	25	29
Diluted Weighted Avg Shares	24	24	24	24	25	26	26	26	26	26	26
Basic Weighted Avg Shares	24	24	24	24	25	26	26	25	25	25	26
Revenue per Share	1.86	2.48	3.53	3.82	4.02	3.57	5.26	5.3	4.69	5.52	5.96
EBITDA per Share	0.03	0.02	0.02	0.04	0.11	0.11	0.11	0.15	0.11	0.12	0.14
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	0.71	-5.94	6.36	-6.66	1.31	5.56	2.56	5.3	3.26	2.51	1.47
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
Cash & Equivalents per Share	2.98	3.88	4.84	6.17	11.65	6.2	17.9	6.69	6.38	10.03	14.68
Book Value per Share	2.27	2.97	4.05	5.33	6.63	7.37	9.33	11.25	12.54	14.19	15.69
Tangible Book Value per Share	3.79	4.54	5.38	6.35	8.09	9.05	11.03	13.59	15.1	16.6	18.41

MetroCity Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)