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MetroCity Bankshares MCBS Q3 2025 earnings

Reported October 17, 2025 · Before market open

Revenue$38.0MMiss by $2.2M
EPS$0.67Miss by $0.04
Revenue estimate$40.2M
EPS estimate$0.71

Next report

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

Financials

Q3 2025

Income statement

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Revenue$38.0M+2.9%
Net income$17.3M+3.4%
EPS (diluted)$0.67+3.1%

Balance sheet

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Cash & equivalents$227.2M-22.0%
Total debt$7.7M+5.6%
Total equity$445.9M+9.5%
Total assets$3.6B+1.7%

Cash flow

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Operating cash flow$16.5M—
CapEx$261.0K-6.8%
Free cash flow$16.2M—

Valuation & ratios

Profitability

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Net margin45.2%+1.6pp
FCF margin41.6%—

Returns & leverage

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Return on equity15.6%+0.6pp
Debt / equity0×0.0×

Segments

By product

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Other Service Charges Commissions And Fees$2.4M+24.1%
Deposit Account$551.0K+3.8%

FAQ

When did MetroCity Bankshares report Q3 2025 earnings?
MetroCity Bankshares (MCBS) reported Q3 2025 earnings on October 17, 2025 before market open.
What were MetroCity Bankshares's Q3 2025 revenue and EPS?
MetroCity Bankshares reported revenue of $38.0M and eps of $0.67 for Q3 2025.
Did MetroCity Bankshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $40.2M by $2.2M. EPS missed the consensus estimate of $0.71 by $0.04.
How did MetroCity Bankshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.9% from $36.9M a year earlier and eps grew 3.1% from $0.65.
Where can I find MetroCity Bankshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001747068-25-000056) and the 10-Q periodic report (0001747068-25-000061) directly on SEC EDGAR. The filing index links above go to sec.gov.