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MetroCity Bankshares MCBS Financing Cash Flow

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Other financials

Income statement

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Revenue$49.8M+31.3%
Net income$22.1M+31.5%
EPS (diluted)$0.76+16.9%

Balance sheet

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Cash & equivalents$266.7M-6.8%
Total debt$14.1M+71.9%
Total equity$567.9M+30.2%
Total assets$4.5B+25.0%

Cash flow

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Operating cash flow$24.9M+72.4%
CapEx$1.5M+1,142%
Free cash flow$24.9M+73.8%

Valuation

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Market cap$1.03B+25.3%
Enterprise value$780.11M
P/E12.9×
P/S5.7×

Profitability

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Net margin43.8%-1.4pp
FCF margin41.6%

Returns & leverage

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Return on equity15.9%+0.2pp
Debt / equity0.0×

Where this comes from

Reported directly by MetroCity Bankshares in its filing.

Tagged under the XBRL concept us-gaap:NetCashProvidedByUsedInFinancingActivities.

The source filing: MetroCity Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092674
Line itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Cash flow from financing activities:
Dividends paid on common stock(15,559)(11,685)
Repurchases of common stock(4,443)(31)
Decrease in deposits, net(156,644)(47,305)
Premiums paid for interest rate caps(1,116)
Proceeds from Federal Home Loan Bank advances100,000
Repayments of Federal Home Loan Bank advances(135,000)(50,000)
Net cash flow used by financing activities(311,646)(10,137)

Item 1. Financial Statements

FAQ

What is MetroCity Bankshares's financing cash flow?
MetroCity Bankshares (MCBS) reported financing cash flow of -$195.67M in Q2 2026.
How has MetroCity Bankshares's financing cash flow changed year-over-year?
MetroCity Bankshares's financing cash flow decreased by 266.4% year-over-year, from -$53.41M to -$195.67M.
What is the long-term trend for MetroCity Bankshares's financing cash flow?
Over 2 years (2021 to 2025), MetroCity Bankshares's financing cash flow has grown at a -83.7% compound annual growth rate (CAGR), from $1.16B to -$30.73M.
What does financing cash flow mean?
Total net cash provided by or used in financing activities — debt issuance/repayment, equity transactions, and dividend payments.

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