MetroCity Bankshares, Inc. — Earnings Quality Grade C
MCBS · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 48 days, change +7 days YoY
AR growth 28.0% exceeds revenue growth 9.8%
Revenue 9.8%, CFFO -40.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -47.6% vs revenue 9.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.55. Below 1.0
FCF $0.0B, FCF/NI = 0.54
Accruals ratio = 0.6%. Low accruals
Cash $0.4B covers 71% of debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 4892% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
MetroCity Bankshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25