MetroCity Bankshares, Inc.MCBSEarnings & Financial Report
Metro City Bank is a Korean-American bank based in Doraville, Georgia and offers personal and commercial banking services. It is the largest Korean-American bank to not be based out of Los Angeles, California. It currently operates a total of 19 branches in Texas, New York, New Jersey, Virginia, Georgia, Alabama, and Florida.
MCBS Q4 FY2025 Key Financial Metrics
Revenue
$43.7M
Gross Profit
N/A
Operating Profit
$23.1M
Net Profit
$18.1M
Gross Margin
N/A
Operating Margin
52.8%
Net Margin
50.5%
YoY Growth
23.6%
EPS
$0.69
MetroCity Bankshares, Inc. Q4 FY2025 Financial Summary
MetroCity Bankshares, Inc. reported revenue of $43.7M (up 23.6% YoY) for Q4 FY2025, with a net profit of $18.1M (up 11.7% YoY) (50.5% margin).
Key Financial Metrics
| Total Revenue | $43.7M |
|---|---|
| Net Profit | $18.1M |
| Gross Margin | N/A |
| Operating Margin | 52.8% |
| Report Period | Q4 FY2025 |
MetroCity Bankshares, Inc. Annual Revenue by Year
MetroCity Bankshares, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $155.6M).
MetroCity Bankshares, Inc. Quarterly Revenue & Net Profit History
MetroCity Bankshares, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $43.7M | +23.6% | $18.1M | 50.5% |
| Q3 FY2025 | $38.0M | +2.9% | $17.3M | 45.5% |
| Q2 FY2025 | $37.9M | +4.5% | $16.8M | 44.4% |
| Q1 FY2025 | $36.0M | +10.3% | $16.3M | 45.3% |
| Q4 FY2024 | $35.4M | +14.7% | $16.2M | 54.0% |
| Q3 FY2024 | $36.9M | +37.6% | $16.7M | 45.3% |
| Q2 FY2024 | $36.3M | +22.3% | $16.9M | 46.7% |
| Q1 FY2024 | $32.7M | +0.9% | $14.6M | 44.8% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $32.7M | $36.3M | $36.9M | $35.4M | $36.0M | $37.9M | $38.0M | $43.7M |
| YoY Growth | 0.9% | 22.3% | 37.6% | 14.7% | 10.3% | 4.5% | 2.9% | 23.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $3.65B | $3.62B | $3.57B | $3.59B | $3.66B | $3.62B | $3.63B | $4.77B |
| Liabilities | $3.25B | $3.21B | $3.16B | $3.17B | $3.23B | $3.18B | $3.18B | $4.22B |
| Equity | $396.6M | $407.2M | $407.2M | $421.4M | $428.0M | $436.1M | $445.9M | $544.2M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $36.4M | $19.4M | $-11.5M | $63.5M | $11.9M | $14.5M | $16.5M | $37.7M |