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MetroCity Bankshares MCBS Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$43.7MMiss by $758.0K
EPS$0.68Miss by $0.05
Revenue estimate$44.5M
EPS estimate$0.73

Next report

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

Financials

Q4 2025

Income statement

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Revenue$43.7M+23.6%
Net income$18.1M+11.7%
EPS (diluted)$0.68+7.9%

Balance sheet

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Cash & equivalents$383.7M+53.5%
Total debt$15.3M+92.8%
Total equity$544.2M+29.2%
Total assets$4.8B+32.7%

Cash flow

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CapEx$225.0K-45.0%

Valuation & ratios

Profitability

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Net margin44%-1.6pp

Returns & leverage

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Return on equity14.2%-1.9pp
Debt / equity0×0.0×

Segments

By product

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Other Service Charges Commissions And Fees$1.7M0.0%
Deposit Account$772.0K+37.1%

FAQ

When did MetroCity Bankshares report Q4 2025 earnings?
MetroCity Bankshares (MCBS) reported Q4 2025 earnings on January 30, 2026 before market open.
What were MetroCity Bankshares's Q4 2025 revenue and EPS?
MetroCity Bankshares reported revenue of $43.7M and eps of $0.68 for Q4 2025.
Did MetroCity Bankshares beat estimates in Q4 2025?
Revenue missed the consensus estimate of $44.5M by $758.0K. EPS missed the consensus estimate of $0.73 by $0.05.
How did MetroCity Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 22.4% from $56.4M a year earlier and eps grew 7.6% from $0.63.
Where can I find MetroCity Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001747068-26-000004) and the 10-K periodic report (0001747068-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.