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MetroCity Bankshares MCBS Q2 2025 earnings

Reported July 18, 2025 · Before market open

Revenue$37.9MBeat by $1.8M
EPS$0.65Beat by $0.02
Revenue estimate$36.1M
EPS estimate$0.63

Next report

Oct 23, 2026 (in 3 months)
Revenue estimate$51.3M
EPS estimate$0.84

Financials

Q2 2025

Income statement

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Revenue$37.9M+4.5%
Net income$16.8M-0.7%
EPS (diluted)$0.65-1.5%

Balance sheet

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Cash & equivalents$286.0M-12.8%
Total debt$8.2M+6.2%
Total equity$436.1M+7.1%
Total assets$3.6B0.0%

Cash flow

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Operating cash flow$14.5M-25.4%
CapEx$118.0K-66.7%
Free cash flow$14.3M-24.6%

Valuation & ratios

Profitability

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Net margin45.2%+2.2pp

Returns & leverage

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Return on equity15.7%+1.7pp
Debt / equity0×0.0×

Segments

By product

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Other Service Charges Commissions And Fees$1.6M+3.0%
Deposit Account$505.0K-5.1%

FAQ

When did MetroCity Bankshares report Q2 2025 earnings?
MetroCity Bankshares (MCBS) reported Q2 2025 earnings on July 18, 2025 before market open.
What were MetroCity Bankshares's Q2 2025 revenue and EPS?
MetroCity Bankshares reported revenue of $37.9M and eps of $0.65 for Q2 2025.
Did MetroCity Bankshares beat estimates in Q2 2025?
Revenue beat the consensus estimate of $36.1M by $1.8M. EPS beat the consensus estimate of $0.63 by $0.02.
How did MetroCity Bankshares's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.5% from $36.3M a year earlier and eps declined 1.5% from $0.66.
Where can I find MetroCity Bankshares's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-068129) and the 10-Q periodic report (0001747068-25-000049) directly on SEC EDGAR. The filing index links above go to sec.gov.