What is MetroCity Bankshares's free cash flow margin?

MetroCity Bankshares (MCBS) reported free cash flow margin of 41.6% in Q3 2025.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

MetroCity Bankshares MCBS Free cash flow margin

Free cash flow margin at other companies

Cathay General BancorpCATY

44.4%-1.4pp

Hanmi FinancialHAFC

79.2%+59.6pp

Hope BancorpHOPE

26.6%+4.5pp

CTB

Community Trust BancorpCTBI

34.7%-7.4pp

Mercantile Bank CorporationMBWM

17%—

Eagle BancorpEGBN

53.8%+5.9pp

Other financials

Income statement

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Revenue$50.8M+41.2%

Net income$22.3M+36.9%

EPS (diluted)$0.77+22.2%

Balance sheet

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Cash & equivalents$387.6M+36.0%

Total debt$14.5M+82.3%

Total equity$554.2M+29.5%

Total assets$4.7B+28.1%

Cash flow

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Operating cash flow$45.8M+285%

CapEx-$733.0K-1,147%

Free cash flow$45.1M+281%

Valuation

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Market cap$1.01B+22.3%

Enterprise value$634.89M—

P/E13.5×—

P/S5.9×—

Profitability

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Net margin43.7%-2.0pp

Returns & leverage

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Return on equity15.2%-0.9pp

Debt / equity0×0.0×

Where this comes from

Calculated from MetroCity Bankshares’s reported figures.

free cash flow/total revenue=41.6%

Based on trailing twelve months.

The official record: MetroCity Bankshares’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is MetroCity Bankshares's free cash flow margin?: MetroCity Bankshares (MCBS) reported free cash flow margin of 41.6% in Q3 2025.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.