vs
Side-by-side financial comparison of Primis Financial Corp. (FRST) and MetroCity Bankshares, Inc. (MCBS). Click either name above to swap in a different company.
Primis Financial Corp. is the larger business by last-quarter revenue ($45.6M vs $43.7M, roughly 1.0× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs 16.0%, a 34.5% gap on every dollar of revenue. Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs 13.0%).
Primis Financial Corp is a U.S.-based financial holding company operating full-service banking subsidiaries. It provides a comprehensive range of financial solutions including personal and commercial deposit products, diverse loan facilities, mortgage services, and wealth management support, primarily serving retail and corporate customers across the U.S. mid-Atlantic region.
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.
FRST vs MCBS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $45.6M | $43.7M |
| Net Profit | $7.3M | $18.1M |
| Gross Margin | — | — |
| Operating Margin | — | 52.8% |
| Net Margin | 16.0% | 50.5% |
| Revenue YoY | — | 23.6% |
| Net Profit YoY | 200.0% | 11.7% |
| EPS (diluted) | $0.30 | $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.
| Q1 26 | $45.6M | — | ||
| Q4 25 | $80.9M | $43.7M | ||
| Q3 25 | $41.0M | $38.0M | ||
| Q2 25 | $43.2M | $37.9M | ||
| Q1 25 | $58.7M | $36.0M | ||
| Q4 24 | $38.8M | $35.4M | ||
| Q3 24 | $37.3M | $36.9M | ||
| Q2 24 | $35.7M | $36.3M |
| Q1 26 | $7.3M | — | ||
| Q4 25 | $29.5M | $18.1M | ||
| Q3 25 | $6.8M | $17.3M | ||
| Q2 25 | $2.4M | $16.8M | ||
| Q1 25 | $22.6M | $16.3M | ||
| Q4 24 | $-26.2M | $16.2M | ||
| Q3 24 | $1.2M | $16.7M | ||
| Q2 24 | $3.4M | $16.9M |
| Q1 26 | — | — | ||
| Q4 25 | 44.8% | 52.8% | ||
| Q3 25 | 21.3% | 62.8% | ||
| Q2 25 | 6.9% | 62.4% | ||
| Q1 25 | 41.9% | 61.3% | ||
| Q4 24 | -123.0% | 58.9% | ||
| Q3 24 | -3.1% | 61.4% | ||
| Q2 24 | 7.8% | 64.4% |
| Q1 26 | 16.0% | — | ||
| Q4 25 | 36.5% | 50.5% | ||
| Q3 25 | 16.7% | 45.5% | ||
| Q2 25 | 5.6% | 44.4% | ||
| Q1 25 | 38.6% | 45.3% | ||
| Q4 24 | -100.3% | 54.0% | ||
| Q3 24 | 3.3% | 45.3% | ||
| Q2 24 | 9.6% | 46.7% |
| Q1 26 | $0.30 | — | ||
| Q4 25 | $1.19 | $0.69 | ||
| Q3 25 | $0.28 | $0.67 | ||
| Q2 25 | $0.10 | $0.65 | ||
| Q1 25 | $0.92 | $0.63 | ||
| Q4 24 | $-0.95 | $0.64 | ||
| Q3 24 | $0.05 | $0.65 | ||
| Q2 24 | $0.14 | $0.66 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $159.9M | $383.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $427.2M | $544.2M |
| Total Assets | $4.3B | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $159.9M | — | ||
| Q4 25 | $143.6M | $383.7M | ||
| Q3 25 | $63.9M | $227.2M | ||
| Q2 25 | $94.1M | $286.0M | ||
| Q1 25 | $57.0M | $285.1M | ||
| Q4 24 | $64.5M | $249.9M | ||
| Q3 24 | $77.3M | $291.2M | ||
| Q2 24 | $66.6M | $327.9M |
| Q1 26 | $427.2M | — | ||
| Q4 25 | $422.9M | $544.2M | ||
| Q3 25 | $382.2M | $445.9M | ||
| Q2 25 | $376.4M | $436.1M | ||
| Q1 25 | $375.6M | $428.0M | ||
| Q4 24 | $351.8M | $421.4M | ||
| Q3 24 | $381.0M | $407.2M | ||
| Q2 24 | $376.0M | $407.2M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.0B | $4.8B | ||
| Q3 25 | $4.0B | $3.6B | ||
| Q2 25 | $3.9B | $3.6B | ||
| Q1 25 | $3.7B | $3.7B | ||
| Q4 24 | $3.7B | $3.6B | ||
| Q3 24 | $4.0B | $3.6B | ||
| Q2 24 | $4.0B | $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 | — | $37.7M |
| Free Cash FlowOCF − Capex | — | $37.0M |
| FCF MarginFCF / Revenue | — | 84.7% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | — | 2.08× |
| TTM Free Cash FlowTrailing 4 quarters | — | $79.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $10.8M | $37.7M | ||
| Q3 25 | $-11.4M | $16.5M | ||
| Q2 25 | $-41.0M | $14.5M | ||
| Q1 25 | $34.4M | $11.9M | ||
| Q4 24 | $19.5M | $63.5M | ||
| Q3 24 | $6.1M | $-11.5M | ||
| Q2 24 | $52.3M | $19.4M |
| Q1 26 | — | — | ||
| Q4 25 | $9.0M | $37.0M | ||
| Q3 25 | — | $16.2M | ||
| Q2 25 | — | $14.3M | ||
| Q1 25 | — | $11.8M | ||
| Q4 24 | $18.3M | $62.2M | ||
| Q3 24 | — | $-11.8M | ||
| Q2 24 | — | $19.0M |
| Q1 26 | — | — | ||
| Q4 25 | 11.2% | 84.7% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 37.8% | ||
| Q1 25 | — | 32.9% | ||
| Q4 24 | 47.3% | 175.8% | ||
| Q3 24 | — | -31.9% | ||
| Q2 24 | — | 52.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.1% | 1.5% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 3.1% | 3.6% | ||
| Q3 24 | 0.0% | 0.8% | ||
| Q2 24 | 0.0% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.36× | 2.08× | ||
| Q3 25 | -1.67× | 0.95× | ||
| Q2 25 | -16.82× | 0.86× | ||
| Q1 25 | 1.52× | 0.73× | ||
| Q4 24 | — | 3.91× | ||
| Q3 24 | 4.93× | -0.69× | ||
| Q2 24 | 15.21× | 1.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FRST
| Net Interest Income | $32.1M | 70% |
| Noninterest Income | $13.6M | 30% |
MCBS
Segment breakdown not available.
