MetroCity Bankshares, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that MetroCity Bankshares, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $68.53M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $64.50M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $51.61M | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | $62.60M | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | $61.70M | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | $36.39M | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | $44.72M | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | $41.33M | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | $31.90M | Mar 19, 2020 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $37.70M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $63.50M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $82.10M | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | $134.69M | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | $65.43M | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | $142.56M | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | $32.20M | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | ($160.99M) | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | $151.81M | Mar 19, 2020 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $674.0K | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $1.29M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $4.93M | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | $2.35M | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | $384.0K | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | $537.0K | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | $1.10M | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | $2.86M | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | $5.91M | Mar 19, 2020 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $4.77B | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $3.59B | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $3.50B | Mar 10, 2025 |
| FY2023 | Dec 31, 2022 | $3.43B | Mar 11, 2024 |
| FY2022 | Dec 31, 2021 | $3.11B | Mar 10, 2023 |
| FY2021 | Dec 31, 2020 | $1.90B | Mar 11, 2022 |
| FY2020 | Dec 31, 2019 | $1.63B | Mar 15, 2021 |
| FY2019 | Dec 31, 2018 | $1.43B | Mar 19, 2020 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $4.22B | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $3.17B | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $3.12B | Mar 10, 2025 |
| FY2023 | Dec 31, 2022 | $3.08B | Mar 11, 2024 |
| FY2022 | Dec 31, 2021 | $2.82B | Mar 10, 2023 |
| FY2021 | Dec 31, 2020 | $1.65B | Mar 11, 2022 |
| FY2020 | Dec 31, 2019 | $1.42B | Mar 15, 2021 |
| FY2019 | Dec 31, 2018 | $1.26B | Mar 19, 2020 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $544.18M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $421.35M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $381.52M | Mar 16, 2026 |
| FY2025 | Dec 31, 2022 | $349.42M | Mar 16, 2026 |
| FY2024 | Dec 31, 2021 | $290.22M | Mar 10, 2025 |
| FY2023 | Dec 31, 2020 | $244.83M | Mar 11, 2024 |
| FY2022 | Dec 31, 2019 | $216.72M | Mar 10, 2023 |
| FY2021 | Dec 31, 2018 | $168.61M | Mar 11, 2022 |
| FY2020 | Dec 31, 2017 | $135.12M | Mar 15, 2021 |
| FY2019 | Dec 31, 2016 | $107.26M | Mar 19, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $56.05M | Mar 16, 2026 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $402.68M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $358.70M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $315.36M | Mar 10, 2025 |
| FY2023 | Dec 31, 2022 | $285.83M | Mar 11, 2024 |
| FY2022 | Dec 31, 2021 | $238.58M | Mar 10, 2023 |
| FY2021 | Dec 31, 2020 | $188.71M | Mar 11, 2022 |
| FY2020 | Dec 31, 2019 | $162.62M | Mar 15, 2021 |
| FY2019 | Dec 31, 2018 | $128.56M | Mar 19, 2020 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $383.68M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $249.88M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $144.81M | Mar 10, 2025 |
| FY2023 | Dec 31, 2022 | $179.49M | Mar 11, 2024 |
| FY2022 | Dec 31, 2021 | $441.34M | Mar 10, 2023 |
| FY2021 | Dec 31, 2020 | $150.69M | Mar 11, 2022 |
| FY2020 | Dec 31, 2019 | $276.41M | Mar 15, 2021 |
| FY2019 | Dec 31, 2018 | $138.43M | Mar 19, 2020 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | 2 | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | 1 | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | 1 | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | 1 | Mar 19, 2020 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | 2 | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | 1 | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | 1 | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | 1 | Mar 19, 2020 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 28.82M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 25.40M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | 25.21M | Mar 10, 2025 |
| FY2023 | Dec 31, 2022 | 25.17M | Mar 11, 2024 |
| FY2022 | Dec 31, 2021 | 25.47M | Mar 10, 2023 |
| FY2021 | Dec 31, 2020 | 25.67M | Mar 11, 2022 |
| FY2020 | Dec 31, 2019 | 25.53M | Mar 15, 2021 |
| FY2019 | Dec 31, 2018 | 24.26M | Mar 19, 2020 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $24.85M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $21.05M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $18.20M | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | $15.29M | Mar 10, 2025 |
| FY2023 | Dec 31, 2021 | $11.79M | Mar 11, 2024 |
| FY2022 | Dec 31, 2020 | $10.29M | Mar 10, 2023 |
| FY2021 | Dec 31, 2019 | $10.37M | Mar 11, 2022 |
| FY2020 | Dec 31, 2018 | $9.29M | Mar 15, 2021 |
| FY2019 | Dec 31, 2017 | $5.40M | Mar 19, 2020 |