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Side-by-side financial comparison of MetroCity Bankshares, Inc. (MCBS) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
READING INTERNATIONAL INC is the larger business by last-quarter revenue ($50.3M vs $43.7M, roughly 1.1× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs -5.1%, a 55.6% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs -14.2%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $4.1M). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs 5.6%).
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.
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
MCBS vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $43.7M | $50.3M |
| Net Profit | $18.1M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 52.8% | -1.9% |
| Net Margin | 50.5% | -5.1% |
| Revenue YoY | 23.6% | -14.2% |
| Net Profit YoY | 11.7% | -14.5% |
| EPS (diluted) | $0.69 | $-0.11 |
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 | $43.7M | $50.3M | ||
| Q3 25 | $38.0M | $52.2M | ||
| Q2 25 | $37.9M | $60.4M | ||
| Q1 25 | $36.0M | $40.2M | ||
| Q4 24 | $35.4M | $58.6M | ||
| Q3 24 | $36.9M | $60.1M | ||
| Q2 24 | $36.3M | $46.8M | ||
| Q1 24 | $32.7M | $45.1M |
| Q4 25 | $18.1M | $-2.6M | ||
| Q3 25 | $17.3M | $-4.2M | ||
| Q2 25 | $16.8M | $-2.7M | ||
| Q1 25 | $16.3M | $-4.8M | ||
| Q4 24 | $16.2M | $-2.2M | ||
| Q3 24 | $16.7M | $-7.0M | ||
| Q2 24 | $16.9M | $-12.8M | ||
| Q1 24 | $14.6M | $-13.2M |
| Q4 25 | 52.8% | -1.9% | ||
| Q3 25 | 62.8% | -0.6% | ||
| Q2 25 | 62.4% | 4.8% | ||
| Q1 25 | 61.3% | -17.2% | ||
| Q4 24 | 58.9% | 2.6% | ||
| Q3 24 | 61.4% | -0.6% | ||
| Q2 24 | 64.4% | -16.4% | ||
| Q1 24 | 62.6% | -16.7% |
| Q4 25 | 50.5% | -5.1% | ||
| Q3 25 | 45.5% | -8.0% | ||
| Q2 25 | 44.4% | -4.4% | ||
| Q1 25 | 45.3% | -11.8% | ||
| Q4 24 | 54.0% | -3.8% | ||
| Q3 24 | 45.3% | -11.7% | ||
| Q2 24 | 46.7% | -27.4% | ||
| Q1 24 | 44.8% | -29.4% |
| Q4 25 | $0.69 | $-0.11 | ||
| Q3 25 | $0.67 | $-0.18 | ||
| Q2 25 | $0.65 | $-0.12 | ||
| Q1 25 | $0.63 | $-0.21 | ||
| Q4 24 | $0.64 | $-0.11 | ||
| Q3 24 | $0.65 | $-0.31 | ||
| Q2 24 | $0.66 | $-0.57 | ||
| Q1 24 | $0.57 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $383.7M | $10.5M |
| Total DebtLower is stronger | — | $185.1M |
| Stockholders' EquityBook value | $544.2M | $-18.2M |
| Total Assets | $4.8B | $434.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $383.7M | $10.5M | ||
| Q3 25 | $227.2M | $8.1M | ||
| Q2 25 | $286.0M | $9.1M | ||
| Q1 25 | $285.1M | $5.9M | ||
| Q4 24 | $249.9M | $12.4M | ||
| Q3 24 | $291.2M | $10.1M | ||
| Q2 24 | $327.9M | $9.3M | ||
| Q1 24 | $258.8M | $7.5M |
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $544.2M | $-18.2M | ||
| Q3 25 | $445.9M | $-12.1M | ||
| Q2 25 | $436.1M | $-7.7M | ||
| Q1 25 | $428.0M | $-8.1M | ||
| Q4 24 | $421.4M | $-4.4M | ||
| Q3 24 | $407.2M | $1.6M | ||
| Q2 24 | $407.2M | $6.5M | ||
| Q1 24 | $396.6M | $18.0M |
| Q4 25 | $4.8B | $434.9M | ||
| Q3 25 | $3.6B | $435.2M | ||
| Q2 25 | $3.6B | $438.1M | ||
| Q1 25 | $3.7B | $441.0M | ||
| Q4 24 | $3.6B | $471.0M | ||
| Q3 24 | $3.6B | $495.7M | ||
| Q2 24 | $3.6B | $494.9M | ||
| Q1 24 | $3.6B | $494.9M |
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 | $4.3M |
| Free Cash FlowOCF − Capex | $37.0M | $4.1M |
| FCF MarginFCF / Revenue | 84.7% | 8.2% |
| Capex IntensityCapex / Revenue | 1.5% | 0.3% |
| Cash ConversionOCF / Net Profit | 2.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $79.4M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.7M | $4.3M | ||
| Q3 25 | $16.5M | $295.0K | ||
| Q2 25 | $14.5M | $1.6M | ||
| Q1 25 | $11.9M | $-7.7M | ||
| Q4 24 | $63.5M | $8.0M | ||
| Q3 24 | $-11.5M | $1.3M | ||
| Q2 24 | $19.4M | $-10.4M | ||
| Q1 24 | $36.4M | $-2.8M |
| Q4 25 | $37.0M | $4.1M | ||
| Q3 25 | $16.2M | $-246.0K | ||
| Q2 25 | $14.3M | $1.2M | ||
| Q1 25 | $11.8M | $-8.0M | ||
| Q4 24 | $62.2M | $7.0M | ||
| Q3 24 | $-11.8M | $-1.1M | ||
| Q2 24 | $19.0M | $-10.6M | ||
| Q1 24 | $36.1M | $-4.7M |
| Q4 25 | 84.7% | 8.2% | ||
| Q3 25 | 42.7% | -0.5% | ||
| Q2 25 | 37.8% | 1.9% | ||
| Q1 25 | 32.9% | -19.8% | ||
| Q4 24 | 175.8% | 12.0% | ||
| Q3 24 | -31.9% | -1.8% | ||
| Q2 24 | 52.4% | -22.7% | ||
| Q1 24 | 110.6% | -10.4% |
| Q4 25 | 1.5% | 0.3% | ||
| Q3 25 | 0.7% | 1.0% | ||
| Q2 25 | 0.3% | 0.6% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 3.6% | 1.7% | ||
| Q3 24 | 0.8% | 4.0% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 0.7% | 4.3% |
| 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
MCBS
Segment breakdown not available.
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
