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MetroCity Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$16.6M in Q3 2026 · $48.9M over twelve months

Operating cash flow−$16.6M
Free cash flow−$16.6M
Cash / net income-0.7×

Analysis

In Q3 2026, MetroCity Bankshares generated −$16.6M of operating cash flow. That is $32.9M less than in Q3 2025 ($16.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $48.9M; the largest uses were other financing ($228M), dividends ($30.3M), buybacks ($7.1M); besides operations, cash came from other investing ($307M); the cash balance rose by $89.9M.

Operating cash flow was −$16.6M against net income of $24.3M — -0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$36.6M, other liabilities −$8.7M, depreciation & amortization +$1.9M.

Free cash flow

MetroCity Bankshares: free cash flow by quarterMetroCity Bankshares: free cash flow by quarter$18.9MQ4 2024$11.8MQ1 2025$14.3MQ2 2025$16.2MQ3 2025−$5.4MQ4 2025$45.8MQ1 2026$24.9MQ2 2026−$16.6MQ3 2026
Operating cash flow less capital spending.
MetroCity Bankshares: operating cash flow against capital spendingMetroCity Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$19.3M$409KQ4 2024$11.9M$70KQ1 2025$14.5M$118KQ2 2025$16.5M$261KQ3 2025−$5.1M$225KQ4 2025$45.8M$0Q1 2026$24.9M$0Q2 2026−$16.6M$0Q3 2026
Latest (Q3 2026): Operating cash flow −$16.6M, Capital spending $0.

Capital allocation, year by year

MetroCity Bankshares: where the cash came from (up) and went (down), by fiscal yearMetroCity Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $65.4MFY2021: Capital spending −$384KFY2021: Buybacks −$5.5MFY2021: Dividends −$11.8M$65.4MFY2021FY2022: Operating cash flow $135MFY2022: Capital spending −$2.4MFY2022: Buybacks −$8.2MFY2022: Dividends −$15.3M$135MFY2022FY2023: Operating cash flow $82.1MFY2023: Capital spending −$4.9MFY2023: Buybacks −$2.0MFY2023: Dividends −$18.2M$82.1MFY2023FY2024: Operating cash flow $63.5MFY2024: Shares issued $900KFY2024: Capital spending −$1.3MFY2024: Buybacks −$10KFY2024: Dividends −$21.1M$64.4MFY2024FY2025: Operating cash flow $37.7MFY2025: Capital spending −$674KFY2025: Buybacks −$2.7MFY2025: Dividends −$24.8M$37.7MFY2025
Over these 5 years operating cash flow totalled $383M; the largest uses were dividends ($91.2M) and buybacks ($18.5M). Cash-flow statements as filed.

Where the cash came from and went

MetroCity Bankshares: sources (+) and uses (−) of cash, Q3 2026MetroCity Bankshares: sources (+) and uses (−) of cash, Q3 2026Other financing$71.7MCash drawn (+) / kept (−)−$50.3MOperating cash flow−$16.6MDividends−$8.5MOther investing$3.8M
MetroCity Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026MetroCity Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing$307MOther financing−$228MCash drawn (+) / kept (−)−$89.9MOperating cash flow$48.9MDividends−$30.3MBuybacks−$7.1M

From profit to cash

MetroCity Bankshares: net income to operating cash flow, Q3 2026MetroCity Bankshares: net income to operating cash flow, Q3 2026Net income$24.3MDepreciation & amortization$1.9MStock-based pay$928KGains on disposals−$22KPrepaid and other assets−$36.6MOther liabilities−$8.7MIncome taxes payable$427KOperating cash flow−$16.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026−$16.6M——−$8.5M−$50.3M−$16.6M
Q2 2026$24.9M——−$8.4M$121M$24.9M
Q1 2026$45.8M—−$4.4M−$7.2M−$3.9M$45.8M
Q4 2025−$5.1M−$225K−$2.7M−$6.3M−$157M−$5.4M
Q3 2025$16.5M−$261K—−$6.9M$58.9M$16.2M
Q2 2025$14.5M−$118K—−$5.8M−$956K$14.3M
Q1 2025$11.9M−$70K—−$5.8M−$35.2M$11.8M
Q4 2024$19.3M−$409K—−$5.8M$41.3M$18.9M

MetroCity Bankshares: income statement and cash flow

MetroCity Bankshares, Q3 2026: revenue $47.9M (+26% year over year), operating margin 58.3%. The chart follows the revenue to costs, profit and cash.

MetroCity Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.