MCBS - MetroCity Bankshares, Inc.
Price:
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CONSENSUS:
Hold
DETAILS
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||
| Revenue | 237.0 | 234.4 | 209.4 | 162.3 | 139.2 | 103.0 | 120.9 | 107.0 | 92.9 | 63.8 | 47.6 | 35.3 | 30.1 |
| Cost of Revenue | 90.1 | 95.3 | 91.3 | 24.8 | 11.5 | 15.0 | 22.2 | 15.9 | 11.7 | 5.2 | 3.6 | 0 | 0 |
| Gross Profit | 147.0 | 139.1 | 118.0 | 137.4 | 127.7 | 88.0 | 98.7 | 91.1 | 81.2 | 58.6 | 44.0 | 35.3 | 30.1 |
| Operating Expenses | |||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 42.5 | 36.2 | 32.1 | 32.9 | 32.1 | 26.8 | 28.1 | 26.1 | 18.6 | 16.5 | 10.8 | 10.0 | 8.8 |
| Other Expenses | 11.6 | 15.6 | 14.0 | 13.3 | 13.0 | 12.4 | 9.7 | 9.0 | 12.6 | 9.6 | 7.2 | 0 | 0 |
| Operating Expenses | 54.0 | 51.8 | 46.1 | 46.2 | 45.1 | 39.2 | 37.8 | 35.1 | 31.2 | 26.2 | 18.0 | 15.5 | 13.7 |
| Operating Income | |||||||||||||
| Operating Income | 92.9 | 87.3 | 72.0 | 91.2 | 82.6 | 48.8 | 60.9 | 56.0 | 50.0 | 32.4 | 26.0 | 19.8 | 16.4 |
| Interest Expense | 90.4 | 94.8 | 91.3 | 27.6 | 4.6 | 11.5 | 22.2 | 14.7 | 8.6 | 5.2 | 3.6 | 0 | 0 |
| Interest Income | 220.8 | 212.9 | 192.8 | 147.2 | 108.7 | 77.6 | 83.2 | 72.9 | 60.5 | 43.6 | 33.4 | 0 | 0 |
| Profitability | |||||||||||||
| EBITDA | 92.9 | 90.3 | 74.7 | 95.1 | 85.4 | 51.7 | 63.6 | 56.8 | 50.6 | 33.0 | 26.6 | 0 | (0.1) |
| EBIT | 92.9 | 87.3 | 72.0 | 91.2 | 82.6 | 48.8 | 60.9 | 56.0 | 50.0 | 32.4 | 26.0 | 19.8 | 16.4 |
| Income Before Tax | 92.9 | 87.3 | 72.0 | 91.2 | 82.6 | 48.8 | 60.9 | 56.0 | 50.0 | 32.4 | 26.0 | 19.8 | 16.4 |
| Income Tax Expense | 24.2 | 22.8 | 20.4 | 28.6 | 20.9 | 12.4 | 16.1 | 14.7 | 18.2 | 12.2 | 9.4 | 7.3 | 6.2 |
| Net Income | 68.7 | 64.5 | 51.6 | 62.6 | 61.7 | 36.4 | 44.7 | 41.3 | 31.9 | 20.2 | 16.6 | 12.5 | 10.1 |
| Per Share Data | |||||||||||||
| EPS (Basic) | 2.67 | 2.55 | 2.05 | 2.58 | 2.41 | 1.42 | 1.82 | 1.71 | 1.34 | 0.86 | 0.70 | 0.59 | 0.49 |
| EPS (Diluted) | 2.64 | 2.52 | 2.02 | 2.55 | 2.39 | 1.41 | 1.81 | 1.69 | 1.32 | 0.86 | 0.70 | 0.59 | 0.49 |
| Shares Outstanding | 26.0 | 25.3 | 25.2 | 25.4 | 25.6 | 25.6 | 24.5 | 24.2 | 23.9 | 23.6 | 23.6 | 21.1 | 20.4 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 370.8 | 236.3 | 142.2 | 151.0 | 432.5 | 140.7 | 270.5 | 130.3 | 94.4 | 63.8 |
| Short-Term Investments | 47.2 | 17.4 | 18.5 | 19.2 | 25.7 | 18.1 | 15.7 | 18.9 | 21.1 | 27.9 |
| Net Receivables | 20.3 | 15.9 | 15.1 | 13.2 | 11.1 | 10.7 | 5.1 | 5.0 | 4.8 | 3.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 438.3 | 269.6 | 175.8 | 183.4 | 469.3 | 169.5 | 291.3 | 154.1 | 120.2 | 95.5 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 45.1 | 26.1 | 26.6 | 22.7 | 22.4 | 24.2 | 26.4 | 14.4 | 12.4 | 7.3 |
| Goodwill | 56.0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 12.6 | 1.4 | 1.3 | 4.0 | 7.7 | 13.0 | 18.1 | 14.9 | 6.8 | 0.0 |
| Long-Term Investments | 4,058.3 | 3,171.3 | 3,188.4 | 3,080.9 | 2,499.9 | 1,620.2 | 1,240.1 | 1,193.8 | 1,091.8 | 959.1 |
| Other Non-Current Assets | (4,058.3) | 125.6 | 110.8 | 136.3 | 106.8 | 70.6 | 56.0 | 55.4 | 57.7 | 38.2 |
| Total Non-Current Assets | 113.7 | 3,324.5 | 3,327.1 | 3,243.9 | 2,636.8 | 1,728.0 | 1,340.6 | 1,278.5 | 1,168.8 | 1,004.6 |
| Total Assets | 4,768.4 | 3,594.0 | 3,502.8 | 3,427.2 | 3,106.2 | 1,897.5 | 1,631.9 | 1,432.7 | 1,288.9 | 1,100.1 |
| Current Liabilities | ||||||||||
| Account Payables | 10.7 | 3.5 | 4.1 | 2.7 | 0.2 | 0.2 | 0.9 | 1.3 | 0.4 | 0.4 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 30 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4.6 | 2,736.8 | 2,730.9 | 2,666.8 | 2,263.0 | 1,479.9 | 1,307.4 | 1,244.2 | 1,020.0 | 870.9 |
| Total Current Liabilities | 15.3 | 2,740.3 | 2,736.9 | 2,669.6 | 2,263.2 | 1,510.1 | 1,308.3 | 1,245.5 | 1,020.4 | 871.2 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 525.3 | 375 | 325 | 375.4 | 500.5 | 80.5 | 63.1 | 4.3 | 125.0 | 114.0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 3,668.1 | 49.5 | 50.8 | 24.0 | 42.4 | 51.2 | 31.3 | 14.3 | 8.4 | 7.5 |
| Total Non-Current Liabilities | 4,208.7 | 432.4 | 384.4 | 408.2 | 552.7 | 142.5 | 106.9 | 18.6 | 133.5 | 121.6 |
| Total Liabilities | 4,224.0 | 3,172.7 | 3,121.3 | 3,077.8 | 2,815.9 | 1,652.7 | 1,415.1 | 1,264.0 | 1,153.8 | 992.8 |
| Stockholders' Equity | ||||||||||
| Common Stock | 1.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 |
| Retained Earnings | 402.9 | 358.7 | 315.4 | 285.8 | 238.6 | 188.7 | 162.6 | 128.6 | 96.5 | 70.1 |
| Accumulated Other Comprehensive Income | 1.7 | 13.2 | 20.2 | 18.0 | (0.2) | 0.2 | (0.0) | (0.1) | (0.1) | (0.1) |
| Total Stockholders' Equity | 544.4 | 421.4 | 381.5 | 349.4 | 290.2 | 244.8 | 216.7 | 168.6 | 135.1 | 107.3 |
| Total Liabilities & Equity | 4,768.4 | 3,594.0 | 3,502.8 | 3,427.2 | 3,106.2 | 1,897.5 | 1,631.9 | 1,432.7 | 1,288.9 | 1,100.1 |
| Debt Metrics | ||||||||||
| Total Debt | 540.6 | 382.9 | 335.5 | 384.3 | 510.3 | 121.4 | 75.6 | 4.3 | 125.0 | 114.0 |
| Net Debt | 169.8 | 146.6 | 193.3 | 233.3 | 77.8 | (19.4) | (194.9) | (126.0) | 30.7 | 50.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 68.5 | 64.5 | 51.6 | 62.6 | 61.7 | 36.4 | 44.7 | 41.3 | 31.9 | 20.2 |
| Depreciation & Amortization | 0 | 3.0 | 2.7 | 3.9 | 2.8 | 2.9 | 2.7 | 0.9 | 0.6 | 0.6 |
| Stock-Based Compensation | 0 | 2.6 | 2.4 | 1.9 | 1.4 | 1.8 | 1.5 | 1.5 | 0.7 | 0.5 |
| Change in Working Capital | (34.0) | (6.0) | 24.7 | (24.0) | (4.6) | 14.1 | 11.1 | 1.5 | (11.5) | (0.8) |
| Other Non-Cash Items | 102.5 | (0.9) | (0.4) | 93.2 | 7.2 | 89.3 | (28.9) | (206.6) | 130.2 | (161.8) |
| Operating Cash Flow | 137.0 | 63.5 | 82.1 | 134.7 | 65.4 | 142.6 | 32.2 | (161.0) | 151.8 | (140.5) |
| Investing Activities | ||||||||||
| Capital Expenditure | (0.7) | (1.3) | (4.9) | (2.4) | (0.4) | (0.5) | (1.1) | (2.9) | (5.9) | (3.5) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | 0 | 0 | 0 | 0 | (22.2) | (6.0) | 0 | 0 | (1.2) | 0 |
| Sales/Maturities of Investments | 0 | 0.6 | 1.3 | 2.9 | 2.9 | 3.7 | 3.3 | 2.1 | 8.0 | 2.1 |
| Other Investing Activities | (110.0) | 6.5 | (106.6) | (652.3) | (910.8) | (475.1) | (20.5) | 110.1 | (278.8) | (238.2) |
| Investing Cash Flow | (110.0) | 5.9 | (110.3) | (651.8) | (930.6) | (477.9) | (18.3) | 109.3 | (277.9) | (239.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 50 | 50 | (50.4) | (125.1) | 390.0 | 47.4 | 58.9 | (120.8) | 11.0 | 98.6 |
| Stock Repurchased | (2.7) | (0.0) | (2.0) | (8.2) | (5.5) | 0 | (1.5) | 0 | 0 | 0 |
| Dividends Paid | (24.8) | (21.1) | (18.2) | (15.3) | (11.8) | (10.3) | (10.4) | (9.3) | (5.4) | (3.8) |
| Other Financing Activities | (50) | 6.8 | 64.1 | 403.8 | 783.1 | 172.5 | 63.1 | 224.2 | 149.8 | 308.8 |
| Financing Cash Flow | (27.8) | 35.7 | (6.5) | 255.3 | 1,155.8 | 209.6 | 124.1 | 94.2 | 155.4 | 403.6 |
| Cash Position | ||||||||||
| Net Change in Cash | (0.8) | 105.1 | (34.7) | (261.9) | 290.7 | (125.7) | 138.0 | 42.6 | 29.3 | 23.5 |
| Cash at Beginning | 3.2 | 144.8 | 179.5 | 441.3 | 150.7 | 276.4 | 138.4 | 95.8 | 66.6 | 40.3 |
| Cash at End | 2.4 | 249.9 | 144.8 | 179.5 | 441.3 | 150.7 | 276.4 | 138.4 | 95.8 | 63.8 |
| Free Cash Flow | 137.0 | 62.2 | 77.2 | 132.3 | 65.0 | 142.0 | 31.1 | (163.8) | 145.9 | (144.0) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 237.0 | 234.4 | 209.4 | 162.3 | 139.2 | 103.0 | 120.9 | 107.0 | 92.9 | 63.8 | 47.6 | 35.3 | 30.1 |
| Gross Profit | 147.0 | 139.1 | 118.0 | 137.4 | 127.7 | 88.0 | 98.7 | 91.1 | 81.2 | 58.6 | 44.0 | 35.3 | 30.1 |
| Operating Income | 92.9 | 87.3 | 72.0 | 91.2 | 82.6 | 48.8 | 60.9 | 56.0 | 50.0 | 32.4 | 26.0 | 19.8 | 16.4 |
| Net Income | 68.7 | 64.5 | 51.6 | 62.6 | 61.7 | 36.4 | 44.7 | 41.3 | 31.9 | 20.2 | 16.6 | 12.5 | 10.1 |
| EPS (Diluted) | 2.64 | 2.52 | 2.02 | 2.55 | 2.39 | 1.41 | 1.81 | 1.69 | 1.32 | 0.86 | 0.70 | 0.59 | 0.49 |
| Balance Sheet | |||||||||||||
| Cash & Equivalents | 370.8 | 236.3 | 142.2 | 151.0 | 432.5 | 140.7 | 270.5 | 130.3 | 94.4 | 63.8 | |||
| Total Assets | 4,768.4 | 3,594.0 | 3,502.8 | 3,427.2 | 3,106.2 | 1,897.5 | 1,631.9 | 1,432.7 | 1,288.9 | 1,100.1 | |||
| Total Debt | 540.6 | 382.9 | 335.5 | 384.3 | 510.3 | 121.4 | 75.6 | 4.3 | 125.0 | 114.0 | |||
| Stockholders' Equity | 544.4 | 421.4 | 381.5 | 349.4 | 290.2 | 244.8 | 216.7 | 168.6 | 135.1 | 107.3 | |||
| Cash Flow | |||||||||||||
| Operating Cash Flow | 137.0 | 63.5 | 82.1 | 134.7 | 65.4 | 142.6 | 32.2 | (161.0) | 151.8 | (140.5) | |||
| Capital Expenditure | (0.7) | (1.3) | (4.9) | (2.4) | (0.4) | (0.5) | (1.1) | (2.9) | (5.9) | (3.5) | |||
| Free Cash Flow | 137.0 | 62.2 | 77.2 | 132.3 | 65.0 | 142.0 | 31.1 | (163.8) | 145.9 | (144.0) | |||