MetroCity Bankshares (MCBS) — Cash Flow Quality Index
MetroCity Bankshares (MCBS) has a Cash Flow Quality Index of -1.58x as of June 2026. Operating cash flow of $-35.02 Million is below net income of $22.13 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore MetroCity Bankshares (MCBS) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
MetroCity Bankshares Cash Flow Quality Index (2013–2025)
Historical Cash Flow Quality Index for MetroCity Bankshares across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see MetroCity Bankshares cash conversion from operations.
Annual Cash Flow Quality Index for MetroCity Bankshares (2013–2025)
Year-by-year earnings quality comparison for MetroCity Bankshares.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.00x | $137.01 Million | $68.53 Million | ▲ +103.1% |
| 2024 | 0.98x | $63.50 Million | $64.50 Million | ▼ -38.1% |
| 2023 | 1.59x | $82.10 Million | $51.61 Million | ▼ -26.1% |
| 2022 | 2.15x | $134.69 Million | $62.60 Million | ▲ +102.9% |
| 2021 | 1.06x | $65.43 Million | $61.70 Million | ▼ -72.9% |
| 2020 | 3.92x | $142.56 Million | $36.39 Million | ▲ +444.0% |
| 2019 | 0.72x | $32.20 Million | $44.72 Million | ▲ +118.5% |
| 2018 | -3.89x | $-160.99 Million | $41.33 Million | ▼ -181.8% |
| 2017 | 4.76x | $151.81 Million | $31.90 Million | ▲ +168.5% |
| 2016 | -6.95x | $-140.54 Million | $20.22 Million | ▼ -789.9% |
| 2015 | 1.01x | $16.74 Million | $16.61 Million | ▲ +79.3% |
| 2014 | 0.56x | $7.02 Million | $12.50 Million | ▼ -29.6% |
| 2013 | 0.80x | $8.12 Million | $10.18 Million | — |