Metrocity Bankshares Q4 profit up 6% sequentially on higher interest income

MetroCity Bankshares

30/01/2026 13:24

Overview

Georgia bank's Q4 net income rose 6% sequentially, driven by higher net interest income

Company's net interest margin increased to 3.73% in Q4 2025

Company completed acquisition of First IC, boosting loans and deposits

Outlook

Company did not provide specific guidance for future quarters or full year

Result Drivers

ACQUISITION IMPACT - Acquisition of First IC boosted loans and deposits, contributing to revenue growth

HIGHER NET INTEREST INCOME - Increase in net interest income driven by higher loan balances and lower liability costs

NONINTEREST INCOME GROWTH - Noninterest income rose due to higher gains on sale of residential mortgage loans

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.68
Q4 Net Income
$18.31 mln
Q4 Net Interest Income
$35.93 mln
Q4 CET1 Ratio
15.90%
Q4 Loan Loss Provision
-$39,000
Q4 Net Interest Margin
3.73%


Analyst Coverage

The one available analyst rating on the shares is "hold"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for Metrocity Bankshares Inc is $31.00, about 13.1% above its January 29 closing price of $27.41

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nPnP45wra

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)