vs
Side-by-side financial comparison of MetroCity Bankshares, Inc. (MCBS) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $43.7M, roughly 1.8× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs -178.3%, a 228.8% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs 0.4%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $23.2M). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
MCBS vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $43.7M | $78.6M |
| Net Profit | $18.1M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 52.8% | -182.2% |
| Net Margin | 50.5% | -178.3% |
| Revenue YoY | 23.6% | 0.4% |
| Net Profit YoY | 11.7% | -3304.1% |
| EPS (diluted) | $0.69 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $38.0M | $77.7M | ||
| Q2 25 | $37.9M | $75.6M | ||
| Q1 25 | $36.0M | $77.3M | ||
| Q4 24 | $35.4M | $78.3M | ||
| Q3 24 | $36.9M | $79.1M | ||
| Q2 24 | $36.3M | $74.9M | ||
| Q1 24 | $32.7M | $80.7M |
| Q4 25 | $18.1M | $-140.1M | ||
| Q3 25 | $17.3M | $-6.4M | ||
| Q2 25 | $16.8M | $-102.3M | ||
| Q1 25 | $16.3M | $-7.9M | ||
| Q4 24 | $16.2M | $-4.1M | ||
| Q3 24 | $16.7M | $3.2M | ||
| Q2 24 | $16.9M | $-4.1M | ||
| Q1 24 | $14.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 52.8% | -182.2% | ||
| Q3 25 | 62.8% | -3.9% | ||
| Q2 25 | 62.4% | -138.7% | ||
| Q1 25 | 61.3% | -4.7% | ||
| Q4 24 | 58.9% | -1.5% | ||
| Q3 24 | 61.4% | -0.9% | ||
| Q2 24 | 64.4% | -4.6% | ||
| Q1 24 | 62.6% | -3.1% |
| Q4 25 | 50.5% | -178.3% | ||
| Q3 25 | 45.5% | -8.3% | ||
| Q2 25 | 44.4% | -135.2% | ||
| Q1 25 | 45.3% | -10.3% | ||
| Q4 24 | 54.0% | -5.3% | ||
| Q3 24 | 45.3% | 4.1% | ||
| Q2 24 | 46.7% | -5.4% | ||
| Q1 24 | 44.8% | -6.5% |
| Q4 25 | $0.69 | $-1.68 | ||
| Q3 25 | $0.67 | $-0.08 | ||
| Q2 25 | $0.65 | $-1.15 | ||
| Q1 25 | $0.63 | $-0.09 | ||
| Q4 24 | $0.64 | $-0.04 | ||
| Q3 24 | $0.65 | $0.03 | ||
| Q2 24 | $0.66 | $-0.04 | ||
| Q1 24 | $0.57 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $544.2M | $484.4M |
| Total Assets | $4.8B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $383.7M | $115.7M | ||
| Q3 25 | $227.2M | $95.7M | ||
| Q2 25 | $286.0M | $162.6M | ||
| Q1 25 | $285.1M | $165.5M | ||
| Q4 24 | $249.9M | $189.5M | ||
| Q3 24 | $291.2M | $168.7M | ||
| Q2 24 | $327.9M | $147.1M | ||
| Q1 24 | $258.8M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $544.2M | $484.4M | ||
| Q3 25 | $445.9M | $616.9M | ||
| Q2 25 | $436.1M | $633.7M | ||
| Q1 25 | $428.0M | $755.7M | ||
| Q4 24 | $421.4M | $761.3M | ||
| Q3 24 | $407.2M | $754.7M | ||
| Q2 24 | $407.2M | $815.4M | ||
| Q1 24 | $396.6M | $813.8M |
| Q4 25 | $4.8B | $1.2B | ||
| Q3 25 | $3.6B | $1.3B | ||
| Q2 25 | $3.6B | $1.4B | ||
| Q1 25 | $3.7B | $1.5B | ||
| Q4 24 | $3.6B | $1.6B | ||
| Q3 24 | $3.6B | $1.6B | ||
| Q2 24 | $3.6B | $1.5B | ||
| Q1 24 | $3.6B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $37.0M | $23.2M |
| FCF MarginFCF / Revenue | 84.7% | 29.6% |
| Capex IntensityCapex / Revenue | 1.5% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $79.4M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.7M | $23.3M | ||
| Q3 25 | $16.5M | $32.2M | ||
| Q2 25 | $14.5M | $33.1M | ||
| Q1 25 | $11.9M | $2.5M | ||
| Q4 24 | $63.5M | $34.3M | ||
| Q3 24 | $-11.5M | $60.1M | ||
| Q2 24 | $19.4M | $31.0M | ||
| Q1 24 | $36.4M | $24.8M |
| Q4 25 | $37.0M | $23.2M | ||
| Q3 25 | $16.2M | $32.1M | ||
| Q2 25 | $14.3M | $33.0M | ||
| Q1 25 | $11.8M | $2.4M | ||
| Q4 24 | $62.2M | $34.0M | ||
| Q3 24 | $-11.8M | $59.8M | ||
| Q2 24 | $19.0M | $30.5M | ||
| Q1 24 | $36.1M | $24.7M |
| Q4 25 | 84.7% | 29.6% | ||
| Q3 25 | 42.7% | 41.3% | ||
| Q2 25 | 37.8% | 43.6% | ||
| Q1 25 | 32.9% | 3.0% | ||
| Q4 24 | 175.8% | 43.5% | ||
| Q3 24 | -31.9% | 75.6% | ||
| Q2 24 | 52.4% | 40.7% | ||
| Q1 24 | 110.6% | 30.6% |
| Q4 25 | 1.5% | 0.1% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 0.3% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 3.6% | 0.3% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 1.0% | 0.6% | ||
| Q1 24 | 0.7% | 0.1% |
| Q4 25 | 2.08× | — | ||
| Q3 25 | 0.95× | — | ||
| Q2 25 | 0.86× | — | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 3.91× | — | ||
| Q3 24 | -0.69× | 18.52× | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
