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MetroCity Bankshares Inc (MCBS)
NASDAQ:MCBS
US Market
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MetroCity Bankshares (MCBS) Ratios

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MetroCity Bankshares Ratios

MCBS's free cash flow for Q3 2025 was $0.63. For the 2025 fiscal year, MCBS's free cash flow was decreased by $ and operating cash flow was $-0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
31.96 0.06 66.95 2.30K 5.56
Quick Ratio
31.96 0.06 138.87 4.54K 11.03
Cash Ratio
27.77 0.05 55.12 2.12K 4.66
Solvency Ratio
0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
4.43 0.03 49.18 320.75 4.72
Short-Term Operating Cash Flow Coverage
4.43 0.00 0.00 0.00 4.75
Net Current Asset Value
$ -2.94B$ -2.95B$ -2.89B$ -2.35B$ -1.48B
Leverage Ratios
Debt-to-Assets Ratio
0.12 0.10 0.11 0.16 0.06
Debt-to-Equity Ratio
0.97 0.87 1.09 1.76 0.50
Debt-to-Capital Ratio
0.49 0.47 0.52 0.64 0.33
Long-Term Debt-to-Capital Ratio
0.49 0.46 0.52 0.63 0.25
Financial Leverage Ratio
8.14 9.18 9.72 10.70 7.74
Debt Service Coverage Ratio
0.74 0.59 -0.92 14.12 -0.30
Interest Coverage Ratio
0.23 0.79 4.30 18.07 4.24
Debt to Market Cap
0.68 0.54 0.68 0.71 0.30
Interest Debt Per Share
20.26 16.88 16.21 20.13 5.19
Net Debt to EBITDA
2.31 2.56 1.43K 0.91 0.00
Profitability Margins
Gross Profit Margin
59.64%56.38%100.00%100.00%100.00%
EBIT Margin
163.97%34.37%2204.37%61.09%52.25%
EBITDA Margin
168.30%35.66%3.94%61.96%0.00%
Operating Profit Margin
36.39%34.37%2871.58%59.88%52.25%
Pretax Profit Margin
160.38%34.37%2204.37%59.88%52.25%
Net Profit Margin
118.16%24.65%1512.86%44.72%38.99%
Continuous Operations Profit Margin
118.16%24.65%1512.86%44.72%38.99%
Net Income Per EBT
73.67%71.71%68.63%74.68%74.63%
EBT Per EBIT
440.73%100.00%76.77%100.00%100.00%
Return on Assets (ROA)
1.84%1.47%1.83%1.99%1.92%
Return on Equity (ROE)
15.39%13.53%17.76%21.26%14.86%
Return on Capital Employed (ROCE)
0.57%9.40%3.47%2.66%2.61%
Return on Invested Capital (ROIC)
5.56%6.72%36.07%11.50%16.30%
Return on Tangible Assets
1.84%1.47%1.83%1.99%1.93%
Earnings Yield
10.34%8.53%11.39%8.76%9.85%
Efficiency Ratios
Receivables Turnover
3.33 13.84 0.31 12.48 10.01
Payables Turnover
0.00 22.10 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
2.21 7.87 0.18 6.16 3.86
Asset Turnover
0.02 0.06 <0.01 0.04 0.05
Working Capital Turnover Ratio
0.21 -0.08 0.01 0.45 0.44
Cash Conversion Cycle
109.47 9.85 1.16K 29.24 36.45
Days of Sales Outstanding
109.47 26.37 1.16K 29.24 36.45
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 16.52 0.00 0.00 0.00
Operating Cycle
109.47 26.37 1.16K 29.24 36.45
Cash Flow Ratios
Operating Cash Flow Per Share
1.33 3.26 5.30 2.56 5.57
Free Cash Flow Per Share
1.29 3.07 5.21 2.54 5.54
CapEx Per Share
0.03 0.20 0.09 0.02 0.02
Free Cash Flow to Operating Cash Flow
0.97 0.94 0.98 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
1.45 3.55 7.63 5.37 13.17
Capital Expenditure Coverage Ratio
38.93 16.65 57.22 170.40 265.47
Operating Cash Flow Coverage Ratio
0.08 0.25 0.35 0.13 1.17
Operating Cash Flow to Sales Ratio
0.61 0.39 32.55 0.47 1.53
Free Cash Flow Yield
5.21%12.76%24.08%9.24%38.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.67 11.72 8.78 11.41 10.15
Price-to-Sales (P/S) Ratio
11.32 2.89 132.82 5.10 3.96
Price-to-Book (P/B) Ratio
1.45 1.59 1.56 2.43 1.51
Price-to-Free Cash Flow (P/FCF) Ratio
19.18 7.84 4.15 10.82 2.60
Price-to-Operating Cash Flow Ratio
18.87 7.37 4.08 10.76 2.59
Price-to-Earnings Growth (PEG) Ratio
12.57 -0.57 4.23 0.16 -0.46
Price-to-Fair Value
1.45 1.59 1.56 2.43 1.51
Enterprise Value Multiple
9.03 10.67 4.80K 9.14 0.00
Enterprise Value
856.81M 796.25M 782.92M 781.79M 350.00M
EV to EBITDA
9.03 10.67 4.80K 9.14 0.00
EV to Sales
15.19 3.80 189.20 5.67 3.75
EV to Free Cash Flow
25.76 10.32 5.92 12.02 2.46
EV to Operating Cash Flow
25.09 9.70 5.81 11.95 2.46
Tangible Book Value Per Share
17.33 15.10 13.71 11.05 9.05
Shareholders’ Equity Per Share
17.33 15.15 13.87 11.35 9.56
Tax and Other Ratios
Effective Tax Rate
0.26 0.28 0.28 0.25 0.25
Revenue Per Share
2.19 8.32 0.16 5.40 3.64
Net Income Per Share
2.59 2.05 2.46 2.41 1.42
Tax Burden
0.74 0.72 0.69 0.75 0.75
Interest Burden
0.98 1.00 1.00 0.98 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.81 0.15 7.37 0.22 0.27
Stock-Based Compensation to Revenue
0.05 0.01 0.47 0.01 0.02
Income Quality
0.52 1.59 2.15 1.06 3.92
Currency in USD
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