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Side-by-side financial comparison of Ellington Financial Inc. (EFC) and MetroCity Bankshares, Inc. (MCBS). Click either name above to swap in a different company.
Ellington Financial Inc. is the larger business by last-quarter revenue ($78.2M vs $43.7M, roughly 1.8× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs 28.9%, a 21.6% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs 8.7%). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs 1.8%).
Ellington Management Group is an American hedge fund firm. As of June 2019, the firm was reportedly managing $8.5 billion in structured products and other credit instruments.
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.
EFC vs MCBS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $78.2M | $43.7M |
| Net Profit | $22.6M | $18.1M |
| Gross Margin | — | — |
| Operating Margin | 7.4% | 52.8% |
| Net Margin | 28.9% | 50.5% |
| Revenue YoY | 8.7% | 23.6% |
| Net Profit YoY | -26.2% | 11.7% |
| EPS (diluted) | $0.10 | $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 | $78.2M | $43.7M | ||
| Q3 25 | $82.8M | $38.0M | ||
| Q2 25 | $92.5M | $37.9M | ||
| Q1 25 | $82.9M | $36.0M | ||
| Q4 24 | $72.0M | $35.4M | ||
| Q3 24 | $67.0M | $36.9M | ||
| Q2 24 | $91.2M | $36.3M | ||
| Q1 24 | $75.5M | $32.7M |
| Q4 25 | $22.6M | $18.1M | ||
| Q3 25 | $29.5M | $17.3M | ||
| Q2 25 | $42.9M | $16.8M | ||
| Q1 25 | $31.6M | $16.3M | ||
| Q4 24 | $30.7M | $16.2M | ||
| Q3 24 | $16.2M | $16.7M | ||
| Q2 24 | $52.3M | $16.9M | ||
| Q1 24 | $26.9M | $14.6M |
| Q4 25 | 7.4% | 52.8% | ||
| Q3 25 | 31.1% | 62.8% | ||
| Q2 25 | 38.3% | 62.4% | ||
| Q1 25 | 37.3% | 61.3% | ||
| Q4 24 | 28.0% | 58.9% | ||
| Q3 24 | 24.0% | 61.4% | ||
| Q2 24 | 52.8% | 64.4% | ||
| Q1 24 | 42.2% | 62.6% |
| Q4 25 | 28.9% | 50.5% | ||
| Q3 25 | 35.7% | 45.5% | ||
| Q2 25 | 46.4% | 44.4% | ||
| Q1 25 | 38.2% | 45.3% | ||
| Q4 24 | 42.6% | 54.0% | ||
| Q3 24 | 24.1% | 45.3% | ||
| Q2 24 | 57.4% | 46.7% | ||
| Q1 24 | 35.6% | 44.8% |
| Q4 25 | $0.10 | $0.69 | ||
| Q3 25 | $0.29 | $0.67 | ||
| Q2 25 | $0.45 | $0.65 | ||
| Q1 25 | $0.35 | $0.63 | ||
| Q4 24 | $0.23 | $0.64 | ||
| Q3 24 | $0.19 | $0.65 | ||
| Q2 24 | $0.62 | $0.66 | ||
| Q1 24 | $0.32 | $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 | $201.9M | $383.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.8B | $544.2M |
| Total Assets | $19.4B | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $201.9M | $383.7M | ||
| Q3 25 | $184.8M | $227.2M | ||
| Q2 25 | $211.0M | $286.0M | ||
| Q1 25 | $203.3M | $285.1M | ||
| Q4 24 | $192.4M | $249.9M | ||
| Q3 24 | $217.7M | $291.2M | ||
| Q2 24 | $198.5M | $327.9M | ||
| Q1 24 | $187.5M | $258.8M |
| Q4 25 | $1.8B | $544.2M | ||
| Q3 25 | $1.8B | $445.9M | ||
| Q2 25 | $1.7B | $436.1M | ||
| Q1 25 | $1.6B | $428.0M | ||
| Q4 24 | $1.6B | $421.4M | ||
| Q3 24 | $1.6B | $407.2M | ||
| Q2 24 | $1.6B | $407.2M | ||
| Q1 24 | $1.5B | $396.6M |
| Q4 25 | $19.4B | $4.8B | ||
| Q3 25 | $17.8B | $3.6B | ||
| Q2 25 | $17.1B | $3.6B | ||
| Q1 25 | $16.6B | $3.7B | ||
| Q4 24 | $16.3B | $3.6B | ||
| Q3 24 | $16.0B | $3.6B | ||
| Q2 24 | $15.1B | $3.6B | ||
| Q1 24 | $15.1B | $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 | $-925.5M | $37.7M |
| Free Cash FlowOCF − Capex | — | $37.0M |
| FCF MarginFCF / Revenue | — | 84.7% |
| Capex IntensityCapex / Revenue | 0.0% | 1.5% |
| Cash ConversionOCF / Net Profit | -40.92× | 2.08× |
| TTM Free Cash FlowTrailing 4 quarters | — | $79.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-925.5M | $37.7M | ||
| Q3 25 | $-290.4M | $16.5M | ||
| Q2 25 | $-210.5M | $14.5M | ||
| Q1 25 | $-126.4M | $11.9M | ||
| Q4 24 | $-430.5M | $63.5M | ||
| Q3 24 | $-141.7M | $-11.5M | ||
| Q2 24 | $-88.6M | $19.4M | ||
| Q1 24 | $-59.5M | $36.4M |
| Q4 25 | — | $37.0M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $14.3M | ||
| Q1 25 | — | $11.8M | ||
| Q4 24 | — | $62.2M | ||
| Q3 24 | — | $-11.8M | ||
| Q2 24 | — | $19.0M | ||
| Q1 24 | — | $36.1M |
| Q4 25 | — | 84.7% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 37.8% | ||
| Q1 25 | — | 32.9% | ||
| Q4 24 | — | 175.8% | ||
| Q3 24 | — | -31.9% | ||
| Q2 24 | — | 52.4% | ||
| Q1 24 | — | 110.6% |
| Q4 25 | 0.0% | 1.5% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 0.0% | 3.6% | ||
| Q3 24 | 0.0% | 0.8% | ||
| Q2 24 | 0.0% | 1.0% | ||
| Q1 24 | 0.0% | 0.7% |
| Q4 25 | -40.92× | 2.08× | ||
| Q3 25 | -9.84× | 0.95× | ||
| Q2 25 | -4.90× | 0.86× | ||
| Q1 25 | -3.99× | 0.73× | ||
| Q4 24 | -14.04× | 3.91× | ||
| Q3 24 | -8.76× | -0.69× | ||
| Q2 24 | -1.69× | 1.14× | ||
| Q1 24 | -2.21× | 2.49× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
