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Side-by-side financial comparison of C3.ai, Inc. (AI) and MetroCity Bankshares, Inc. (MCBS). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $43.7M, roughly 1.7× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs -139.3%, a 189.8% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs -20.3%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $-46.9M). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
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.
AI vs MCBS — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $43.7M |
| Net Profit | $-104.7M | $18.1M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | 52.8% |
| Net Margin | -139.3% | 50.5% |
| Revenue YoY | -20.3% | 23.6% |
| Net Profit YoY | -58.7% | 11.7% |
| EPS (diluted) | $-0.75 | $0.69 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $75.1M | $43.7M | ||
| Q3 25 | $70.3M | $38.0M | ||
| Q2 25 | $108.7M | $37.9M | ||
| Q1 25 | $98.8M | $36.0M | ||
| Q4 24 | $94.3M | $35.4M | ||
| Q3 24 | $87.2M | $36.9M | ||
| Q2 24 | $86.6M | $36.3M | ||
| Q1 24 | $78.4M | $32.7M |
| Q4 25 | $-104.7M | $18.1M | ||
| Q3 25 | $-116.8M | $17.3M | ||
| Q2 25 | $-79.7M | $16.8M | ||
| Q1 25 | $-80.2M | $16.3M | ||
| Q4 24 | $-66.0M | $16.2M | ||
| Q3 24 | $-62.8M | $16.7M | ||
| Q2 24 | $-72.9M | $16.9M | ||
| Q1 24 | $-72.6M | $14.6M |
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | 57.8% | — |
| Q4 25 | -149.2% | 52.8% | ||
| Q3 25 | -177.7% | 62.8% | ||
| Q2 25 | -81.8% | 62.4% | ||
| Q1 25 | -88.7% | 61.3% | ||
| Q4 24 | -79.8% | 58.9% | ||
| Q3 24 | -83.2% | 61.4% | ||
| Q2 24 | -95.1% | 64.4% | ||
| Q1 24 | -105.3% | 62.6% |
| Q4 25 | -139.3% | 50.5% | ||
| Q3 25 | -166.2% | 45.5% | ||
| Q2 25 | -73.3% | 44.4% | ||
| Q1 25 | -81.2% | 45.3% | ||
| Q4 24 | -69.9% | 54.0% | ||
| Q3 24 | -72.0% | 45.3% | ||
| Q2 24 | -84.2% | 46.7% | ||
| Q1 24 | -92.6% | 44.8% |
| Q4 25 | $-0.75 | $0.69 | ||
| Q3 25 | $-0.86 | $0.67 | ||
| Q2 25 | $-0.60 | $0.65 | ||
| Q1 25 | $-0.62 | $0.63 | ||
| Q4 24 | $-0.52 | $0.64 | ||
| Q3 24 | $-0.50 | $0.65 | ||
| Q2 24 | $-0.59 | $0.66 | ||
| Q1 24 | $-0.60 | $0.57 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | $383.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $544.2M |
| Total Assets | $961.3M | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $675.0M | $383.7M | ||
| Q3 25 | $711.9M | $227.2M | ||
| Q2 25 | $742.7M | $286.0M | ||
| Q1 25 | $724.3M | $285.1M | ||
| Q4 24 | $730.4M | $249.9M | ||
| Q3 24 | $762.5M | $291.2M | ||
| Q2 24 | $750.4M | $327.9M | ||
| Q1 24 | $723.3M | $258.8M |
| Q4 25 | $771.9M | $544.2M | ||
| Q3 25 | $798.8M | $445.9M | ||
| Q2 25 | $838.3M | $436.1M | ||
| Q1 25 | $860.2M | $428.0M | ||
| Q4 24 | $859.0M | $421.4M | ||
| Q3 24 | $874.9M | $407.2M | ||
| Q2 24 | $873.4M | $407.2M | ||
| Q1 24 | $898.0M | $396.6M |
| Q4 25 | $961.3M | $4.8B | ||
| Q3 25 | $968.7M | $3.6B | ||
| Q2 25 | $1.0B | $3.6B | ||
| Q1 25 | $1.1B | $3.7B | ||
| Q4 24 | $1.0B | $3.6B | ||
| Q3 24 | $1.1B | $3.6B | ||
| Q2 24 | $1.0B | $3.6B | ||
| Q1 24 | $1.1B | $3.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-46.5M | $37.7M |
| Free Cash FlowOCF − Capex | $-46.9M | $37.0M |
| FCF MarginFCF / Revenue | -62.4% | 84.7% |
| Capex IntensityCapex / Revenue | 0.5% | 1.5% |
| Cash ConversionOCF / Net Profit | — | 2.08× |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | $79.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-46.5M | $37.7M | ||
| Q3 25 | $-33.5M | $16.5M | ||
| Q2 25 | $11.3M | $14.5M | ||
| Q1 25 | $-22.0M | $11.9M | ||
| Q4 24 | $-38.7M | $63.5M | ||
| Q3 24 | $8.0M | $-11.5M | ||
| Q2 24 | $21.3M | $19.4M | ||
| Q1 24 | $-39.1M | $36.4M |
| Q4 25 | $-46.9M | $37.0M | ||
| Q3 25 | $-34.3M | $16.2M | ||
| Q2 25 | $10.3M | $14.3M | ||
| Q1 25 | $-22.4M | $11.8M | ||
| Q4 24 | $-39.5M | $62.2M | ||
| Q3 24 | $7.1M | $-11.8M | ||
| Q2 24 | $18.8M | $19.0M | ||
| Q1 24 | $-45.1M | $36.1M |
| Q4 25 | -62.4% | 84.7% | ||
| Q3 25 | -48.8% | 42.7% | ||
| Q2 25 | 9.5% | 37.8% | ||
| Q1 25 | -22.7% | 32.9% | ||
| Q4 24 | -41.9% | 175.8% | ||
| Q3 24 | 8.2% | -31.9% | ||
| Q2 24 | 21.7% | 52.4% | ||
| Q1 24 | -57.6% | 110.6% |
| Q4 25 | 0.5% | 1.5% | ||
| Q3 25 | 1.1% | 0.7% | ||
| Q2 25 | 0.9% | 0.3% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.9% | 3.6% | ||
| Q3 24 | 1.1% | 0.8% | ||
| Q2 24 | 2.9% | 1.0% | ||
| Q1 24 | 7.8% | 0.7% |
| Q4 25 | — | 2.08× | ||
| Q3 25 | — | 0.95× | ||
| Q2 25 | — | 0.86× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 3.91× | ||
| Q3 24 | — | -0.69× | ||
| Q2 24 | — | 1.14× | ||
| Q1 24 | — | 2.49× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
MCBS
Segment breakdown not available.
