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MetroCity Bankshares vs First Business Financial Services: MCBS and FBIZ compared
MetroCity Bankshares is the larger company: $47.9M of revenue in its latest quarter (Q3 2026) against $47.5M for First Business Financial Services (Q3 2026). MetroCity Bankshares is growing faster (+26% against +7% a year earlier). MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 41.0%.
Where the money goes: MCBS and FBIZ
MetroCity Bankshares (MCBS) · Q3 2026
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.
First Business Financial Services (FBIZ) · Q3 2026
First Business Financial Services, Q3 2026: revenue $47.5M (+7% year over year), operating margin 41.0%, net earnings $16.6M, operating cash flow $5.5M. The chart follows the revenue to costs, profit and cash.
| MetroCity Bankshares (MCBS) | First Business Financial Services (FBIZ) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $47.9M | $47.5M |
| Revenue growth, Y/Y | +26% | +7% |
| Operating margin | 58.3% | 41.0% |
| Net earnings | $24.3M | $16.6M |
| Net margin | 50.7% | 34.9% |
| Operating cash flow | −$16.6M | $5.5M |
| Free cash flow | — | $5.2M |
| Market value | $990M | — |
| P/E | 11.4× | — |
| Analysts’ mean target | $41.00 | — |
Where the revenue comes from
MetroCity Bankshares
- Net interest income: $43.6M (91%)
- Noninterest income: $4.4M (9%)
First Business Financial Services
- Net interest income: $39.1M (82%)
- Noninterest income: $8.4M (18%)
Questions
Which is bigger, MetroCity Bankshares or First Business Financial Services?
MetroCity Bankshares is the larger company: $47.9M of revenue in its latest quarter (Q3 2026) against $47.5M for First Business Financial Services (Q3 2026).
Is MetroCity Bankshares or First Business Financial Services growing faster?
MetroCity Bankshares is growing faster (+26% against +7% a year earlier).
Which is more profitable, MetroCity Bankshares or First Business Financial Services?
MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 41.0%.
More: MetroCity Bankshares earnings · how MetroCity Bankshares makes money · First Business Financial Services earnings · how First Business Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.