About MetroCity Bankshares, Inc.
https://www.metrocitybank.bankMetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services.
CEO
Nack Young Paek
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2019-09-03 | Forward | 2:1 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:588.58K
XSU.TO
Weight:0.02%
Shares:505.04K
IWM
Weight:0.02%
Shares:505.04K
Summary
Showing Top 3 of 90
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership
BLACKROCK, INC.
Shares:1.4M
Value:$38.79M
BLACKROCK INC.
Shares:1.37M
Value:$37.86M
VANGUARD GROUP INC
Shares:1.06M
Value:$29.22M
Summary
Showing Top 3 of 105
About MetroCity Bankshares, Inc.
https://www.metrocitybank.bankMetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $60.18M ▲ | $14.67M ▲ | $17.27M ▲ | 28.7% ▲ | $0.68 ▲ | $24.81M ▲ |
| Q2-2025 | $59.78M ▲ | $14.11M ▲ | $16.83M ▲ | 28.15% ▲ | $0.66 ▲ | $24.52M ▲ |
| Q1-2025 | $57.98M ▲ | $13.93M ▲ | $16.3M ▲ | 28.11% ▼ | $0.64 | $22.91M ▲ |
| Q4-2024 | $56.39M ▼ | $12.78M ▼ | $16.23M ▼ | 28.79% ▲ | $0.64 ▼ | $21.61M ▼ |
| Q3-2024 | $60.45M | $13.66M | $16.7M | 27.63% | $0.66 | $23.39M |
What's going well?
The company is highly profitable, with strong margins and consistent earnings. Revenue and profit both ticked up slightly, and there are no signs of major risks or surprises.
What's concerning?
Growth is nearly flat, and operating expenses are rising faster than sales. Interest costs are high, and there’s little sign of acceleration in the business.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $216.41M ▼ | $3.63B ▲ | $3.18B ▲ | $445.89M ▲ |
| Q2-2025 | $276.13M ▼ | $3.62B ▼ | $3.18B ▼ | $436.1M ▲ |
| Q1-2025 | $287.74M ▲ | $3.66B ▲ | $3.23B ▲ | $427.97M ▲ |
| Q4-2024 | $253.73M ▼ | $3.59B ▲ | $3.17B ▲ | $421.35M ▲ |
| Q3-2024 | $296.96M | $3.57B | $3.16B | $407.19M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $17.27M ▲ | $16.48M ▲ | $-72.05M ▼ | $-3.28M ▲ | $-58.85M ▼ | $16.22M ▲ |
| Q2-2025 | $16.83M ▲ | $14.45M ▲ | $39.91M ▲ | $-53.41M ▼ | $956K ▼ | $14.33M ▲ |
| Q1-2025 | $16.3M ▲ | $11.91M ▼ | $-20M ▲ | $43.27M ▲ | $35.18M ▲ | $11.84M ▼ |
| Q4-2024 | $16.23M ▼ | $19.27M ▲ | $-69.36M ▼ | $8.75M ▲ | $-41.34M ▼ | $18.86M ▲ |
| Q3-2024 | $16.7M | $-11.49M | $2.73M | $-27.88M | $-36.65M | $-11.77M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Other service charges commissions and fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Nack Young Paek
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2019-09-03 | Forward | 2:1 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:588.58K
XSU.TO
Weight:0.02%
Shares:505.04K
IWM
Weight:0.02%
Shares:505.04K
Summary
Showing Top 3 of 90
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership
BLACKROCK, INC.
Shares:1.4M
Value:$38.79M
BLACKROCK INC.
Shares:1.37M
Value:$37.86M
VANGUARD GROUP INC
Shares:1.06M
Value:$29.22M
Summary
Showing Top 3 of 105