Filing Flows › MetroCity Bankshares (MCBS) › Q3 2026
MetroCity Bankshares (MCBS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
MetroCity Bankshares (MCBS) reported revenue of $47.9M for the third quarter 2026 (Q3 2026), +26% from a year earlier and -4% from the quarter before. Operating margin was 58.3%, net earnings $24.3M (50.7% of revenue).
MetroCity Bankshares, Q3 2026: revenue $47.9M (+26% year over year), operating margin 58.3%, net earnings $24.3M, operating cash flow −$16.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $47.9M | -4% | +26% |
| Operating profit | $28.0M | -9% | +17% |
| Net earnings | $24.3M | +10% | +41% |
| Operating cash flow | −$16.6M | — | — |
What changed
Revenue was $47.9M in Q3 2026, up 26% year over year and down 4% from the previous quarter. Net interest income was the largest line at 91% of revenue. Net interest income added $11.8M year over year (up 37%), 118% of the total change. Noninterest income declined 29%.
Operating profit was $28.0M, a 58.3% margin (down 4.4 points year over year). Of the extra revenue versus a year earlier, 41% reached operating profit, below the 63% margin then. Total costs grew 41% against revenue growth of 26%. Net earnings were $24.3M, up 41% year over year. The effective tax rate was 13.1%.
Operating cash flow was −$16.6M. Non-cash charges added back $1.9M of depreciation and amortization and $928K of share-based compensation. Working capital and other items used $43.8M.
Questions
What was MetroCity Bankshares' revenue in the third quarter 2026?
MetroCity Bankshares (MCBS) reported revenue of $47.9M for the third quarter 2026 (Q3 2026), +26% from a year earlier and -4% from the quarter before.
Was MetroCity Bankshares profitable in the third quarter 2026?
Operating profit was $28.0M (58.3% of revenue) and net earnings $24.3M.