Demonstrações financeiras detalhadas de MetroCity Bankshares, Inc. (MCBS): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
MetroCity Bankshares, Inc. registou receitas de $237.0M no último exercício, com um CAGR de 5 anos de 18.1%. O lucro líquido atingiu $68.7M, com CAGR de 5 anos de 13.6%.
Margens dos últimos 12 meses: margem bruta 62.3%, margem operacional 36.5%, margem líquida 30.5%. O fluxo de caixa livre cresceu a CAGR de -0.7% em 5 anos.
Ao preço atual de $35.10, MCBS negocia a um P/L de 11.88 e um ROE de 15.15%. A capitalização de mercado é de $1.0B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $63.8M | $92.9M | $107.0M | $120.9M | $103.0M | $139.2M | $162.3M | $209.4M | $234.4M | $237.0M |
| Custo da Receita | $5.2M | $11.7M | $15.9M | $22.2M | $15.0M | $11.5M | $24.8M | $91.3M | $95.3M | $90.1M |
| Lucro Bruto | $58.6M | $81.2M | $91.1M | $98.7M | $88.0M | $127.7M | $137.4M | $118.0M | $139.1M | $147.0M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $16.5M | $18.6M | $26.1M | $28.1M | $26.8M | $32.1M | $32.9M | $32.1M | $36.2M | $42.5M |
| Despesas Operacionais | $26.2M | $31.2M | $35.1M | $37.8M | $39.2M | $45.1M | $46.2M | $46.1M | $51.8M | $54.0M |
| Lucro Operacional | $32.4M | $50.0M | $56.0M | $60.9M | $48.8M | $82.6M | $91.2M | $72.0M | $87.3M | $92.9M |
| EBITDA | $33.0M | $50.6M | $56.8M | $63.6M | $51.7M | $85.4M | $95.1M | $74.7M | $90.3M | $92.9M |
| Despesas com Juros | $5.2M | $8.6M | $14.7M | $22.2M | $11.5M | $4.6M | $27.6M | $91.3M | $94.8M | $90.4M |
| Lucro Antes de Impostos | $32.4M | $50.0M | $56.0M | $60.9M | $48.8M | $82.6M | $91.2M | $72.0M | $87.3M | $92.9M |
| Imposto | $12.2M | $18.2M | $14.7M | $16.1M | $12.4M | $20.9M | $28.6M | $20.4M | $22.8M | $24.2M |
| Lucro Líquido | $20.2M | $31.9M | $41.3M | $44.7M | $36.4M | $61.7M | $62.6M | $51.6M | $64.5M | $68.7M |
| LPA | $0.86 | $1.34 | $1.71 | $1.82 | $1.42 | $2.41 | $2.58 | $2.05 | $2.55 | $2.67 |
| LPA Diluído | $0.86 | $1.32 | $1.69 | $1.81 | $1.41 | $2.39 | $2.55 | $2.02 | $2.52 | $2.64 |
| Ações em Circulação (Diluídas) | $23.6M | $24.1M | $24.5M | $24.7M | $25.8M | $25.8M | $25.7M | $25.5M | $25.6M | $26.0M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $60.2M | $60.9M | $71.0M | $70.4M |
| Lucro Bruto | $38.5M | $36.6M | $44.5M | $44.0M |
| Lucro Operacional | $23.8M | $23.3M | $23.9M | $24.9M |
| EBITDA | $24.8M | $23.3M | $23.9M | $30.6M |
| Lucro Líquido | $17.3M | $18.3M | $22.3M | $22.1M |
| LPA | $0.68 | $0.69 | $0.78 | $0.77 |
| LPA Diluído | $0.67 | $0.68 | $0.77 | $0.76 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $63.8M | $94.4M | $130.3M | $270.5M | $140.7M | $432.5M | $151.0M | $142.2M | $236.3M | $370.8M |
| Investimentos de Curto Prazo | $27.9M | $21.1M | $18.9M | $15.7M | $18.1M | $25.7M | $19.2M | $18.5M | $17.4M | $47.2M |
| Contas a Receber | $3.8M | $4.8M | $5.0M | $5.1M | $10.7M | $11.1M | $13.2M | $15.1M | $15.9M | $20.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $95.5M | $120.2M | $154.1M | $291.3M | $169.5M | $469.3M | $183.4M | $175.8M | $269.6M | $438.3M |
| Imobilizado | $7.3M | $12.4M | $14.4M | $26.4M | $24.2M | $22.4M | $22.7M | $26.6M | $26.1M | $45.1M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $56.0M |
| Ativos Intangíveis | $9375 | $6.8M | $14.9M | $18.1M | $13.0M | $7.7M | $4.0M | $1.3M | $1.4M | $12.6M |
| Ativos Totais | $1.10B | $1.29B | $1.43B | $1.63B | $1.90B | $3.11B | $3.43B | $3.50B | $3.59B | $4.77B |
| Contas a Pagar | $355747 | $401000 | $1.3M | $890000 | $222000 | $204000 | $2.7M | $4.1M | $3.5M | $10.7M |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | $30.0M | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $871.2M | $1.02B | $1.25B | $1.31B | $1.51B | $2.26B | $2.67B | $2.74B | $2.74B | $15.3M |
| Dívida de Longo Prazo | $114.0M | $125.0M | $4.3M | $63.1M | $80.5M | $500.5M | $375.4M | $325.0M | $375.0M | $525.3M |
| Passivos Totais | $992.8M | $1.15B | $1.26B | $1.42B | $1.65B | $2.82B | $3.08B | $3.12B | $3.17B | $4.22B |
| Reservas | $70.1M | $96.5M | $128.6M | $162.6M | $188.7M | $238.6M | $285.8M | $315.4M | $358.7M | $402.9M |
| Patrimônio Líquido | $107.3M | $135.1M | $168.6M | $216.7M | $244.8M | $290.2M | $349.4M | $381.5M | $421.4M | $544.4M |
| Dívida Total | $114.0M | $125.0M | $4.3M | $75.6M | $121.4M | $510.3M | $384.3M | $335.5M | $382.9M | $540.6M |
| Dívida Líquida | $22.3M | $9.6M | -$144.9M | -$210.6M | -$37.5M | $52.1M | $214.1M | $174.8M | $129.2M | $122.6M |
| Capital de Giro | -$775.8M | -$900.2M | -$1.09B | -$1.02B | -$1.34B | -$1.79B | -$2.49B | -$2.56B | -$2.47B | $423.0M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $213.9M | $370.8M | $374.0M | $254.4M |
| Ativos Totais | $3.63B | $4.77B | $4.69B | $4.52B |
| Passivos Totais | $3.18B | $4.22B | $4.13B | $3.95B |
| Patrimônio Líquido | $445.9M | $544.4M | $554.2M | $567.9M |
| Dívida Total | $432.7M | $540.6M | $439.5M | $403.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $20.2M | $31.9M | $41.3M | $44.7M | $36.4M | $61.7M | $62.6M | $51.6M | $64.5M | $68.5M |
| Depreciação e Amortização | $582874 | $593000 | $899000 | $2.7M | $2.9M | $2.8M | $3.9M | $2.7M | $3.0M | 0 |
| Compensação em Ações | $510846 | $718000 | $1.5M | $1.5M | $1.8M | $1.4M | $1.9M | $2.4M | $2.6M | 0 |
| Variação Capital de Giro | -$771252 | -$11.5M | $1.5M | $11.1M | $14.1M | -$4.6M | -$24.0M | $24.7M | -$6.0M | -$34.0M |
| Fluxo de Caixa Operacional | -$140.5M | $151.8M | -$161.0M | $32.2M | $142.6M | $65.4M | $134.7M | $82.1M | $63.5M | $137.0M |
| CapEx | -$3.5M | -$5.9M | -$2.9M | -$1.1M | -$537000 | -$384000 | -$2.4M | -$4.9M | -$1.3M | -$674000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$1.5M | 0 | -$5.5M | -$8.2M | -$2.0M | -$10000 | -$2.7M |
| Dividendos Pagos | -$3.8M | -$5.4M | -$9.3M | -$10.4M | -$10.3M | -$11.8M | -$15.3M | -$18.2M | -$21.1M | -$24.8M |
| Fluxo de Caixa Livre | -$144.0M | $145.9M | -$163.8M | $31.1M | $142.0M | $65.0M | $132.3M | $77.2M | $62.2M | $137.0M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.5M | $224000 | $35.0M | $24.9M |
| CapEx | -$261000 | -$225000 | 0 | -$1.5M |
| Fluxo de Caixa Livre | $16.2M | -$1000 | $35.0M | $23.4M |
| Dividendos Pagos | -$6.9M | -$6.3M | -$7.2M | -$8.4M |
| Compensação em Ações | $939000 | 0 | 0 | $594000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +45.6% | +15.2% | +13.0% | -14.9% | +35.2% | +16.6% | +29.0% | +12.0% | +1.1% |
| Crescimento Lucro Líquido (anual) | | +57.8% | +29.6% | +8.2% | -18.6% | +69.5% | +1.5% | -17.6% | +25.0% | +6.5% |
| Crescimento LPA (anual) | | +55.8% | +27.6% | +6.4% | -22.0% | +69.7% | +7.1% | -20.5% | +24.4% | +4.7% |
| Variação de Ações (anual) | | +2.1% | +1.4% | +1.0% | +4.3% | -0.0% | -0.4% | -0.7% | +0.2% | +1.7% |
| Crescimento FCF (anual) | | +201.3% | -212.3% | +119.0% | +356.6% | -54.2% | +103.4% | -41.7% | -19.4% | +120.2% |
| Margem Bruta | 91.8% | 87.4% | 85.1% | 81.6% | 85.5% | 91.7% | 84.7% | 56.4% | 59.4% | 62.0% |
| Margem Operacional | 50.8% | 53.9% | 52.3% | 50.3% | 47.4% | 59.3% | 56.2% | 34.4% | 37.2% | 39.2% |
| Margem EBITDA | 51.7% | 54.5% | 53.1% | 52.6% | 50.2% | 61.4% | 58.6% | 35.7% | 38.5% | 39.2% |
| Margem Líquida | 31.7% | 34.3% | 38.6% | 37.0% | 35.3% | 44.3% | 38.6% | 24.7% | 27.5% | 29.0% |
| Margem FCF | -225.7% | 157.0% | -153.1% | 25.7% | 137.9% | 46.7% | 81.5% | 36.9% | 26.5% | 57.8% |
| Taxa Efetiva de Imposto | 37.6% | 36.3% | 26.2% | 26.5% | 25.4% | 25.3% | 31.4% | 28.3% | 26.1% | 26.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $-6.09 | $6.04 | $-6.69 | $1.26 | $5.50 | $2.52 | $5.15 | $3.02 | $2.43 | $5.27 |
| Dividendo por Ação | $0.16 | $0.22 | $0.38 | $0.42 | $0.40 | $0.46 | $0.60 | $0.71 | $0.82 | $0.96 |
| Ações em Circulação (Básicas) | $23.6M | $23.9M | $24.2M | $24.5M | $25.6M | $25.6M | $25.4M | $25.2M | $25.3M | $26.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 15.15% |
| Retorno sobre capital investido | 17.23% |
| Retorno sobre ativos | 1.77% |
| Margem bruta | 62.35% |
| Margem operacional | 36.55% |
| Margem líquida | 30.49% |
Saúde financeira
| Dívida / Patrimônio | 0.71 |
| Liquidez corrente | 21.28 |
| Piotroski F-Score | 5 |
| Altman Z-Score | 0.44 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 6.98 | 7.35 | 7.24 | 9.62 | 10.15 | 11.42 | 8.38 | 11.72 | 12.53 | 9.94 |
| P/VP | 1.32 | 1.74 | 1.78 | 1.98 | 1.51 | 2.43 | 1.57 | 1.59 | 1.92 | 1.27 |
| P/V | 2.22 | 2.53 | 2.80 | 3.55 | 3.59 | 5.06 | 3.39 | 2.89 | 3.45 | 2.91 |
| Margem Bruta | 91.8% | 87.4% | 85.1% | 81.6% | 85.5% | 91.7% | 84.7% | 56.4% | 59.4% | 62.0% |
| Margem Operacional | 50.8% | 53.9% | 52.3% | 50.3% | 47.4% | 59.3% | 56.2% | 34.4% | 37.2% | 39.2% |
| Margem Líquida | 31.7% | 34.3% | 38.6% | 37.0% | 35.3% | 44.3% | 38.6% | 24.7% | 27.5% | 29.0% |