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Metropolitan Bank Holding ( (MCB) ) has provided an update.
On January 20, 2026, Metropolitan Bank Holding Corp. reported a sharp improvement in fourth-quarter 2025 earnings, with net income rising to $28.9 million, or $2.77 per diluted share, from $7.1 million in the prior quarter and $21.4 million a year earlier, driven by net interest income of $85.3 million and a wider net interest margin of 4.10%. The company posted an annualized return on average equity of 15.6% and return on average tangible common equity of 15.8% for the quarter, supported by loan growth to $6.8 billion and robust deposit expansion to $7.4 billion at year-end 2025, which funded loan growth, enabled repayment of all wholesale funding, and bolstered liquidity to $3.3 billion in cash and available secured capacity. Management highlighted 2025 as a year of organic growth, with loans up 12.9% and deposits up 23.3% from December 31, 2024, while the bank remained well capitalized, repurchased about 293,000 shares at a discount to tangible book value, modestly increased its quarterly dividend to $0.20 per share on January 16, 2026, and acknowledged higher non-owner-occupied CRE concentration partly due to stock buybacks funded by bank dividends.
The most recent analyst rating on (MCB) stock is a Buy with a $87.00 price target. To see the full list of analyst forecasts on Metropolitan Bank Holding stock, see the MCB Stock Forecast page.
Spark’s Take on MCB Stock
According to Spark, TipRanks’ AI Analyst, MCB is a Outperform.
The score is primarily supported by solid financial performance (strong cash generation and manageable leverage) alongside favorable technical momentum (price above key moving averages with positive MACD). Valuation is reasonable but not a strong catalyst due to the low dividend yield, and the earnings call adds a mild positive tilt from growth and margin expansion, tempered by elevated loan-loss provisioning and higher expenses.
To see Spark’s full report on MCB stock, click here.
More about Metropolitan Bank Holding
Metropolitan Bank Holding Corp., the NYSE-listed parent of Metropolitan Commercial Bank based in New York, operates as a commercial bank with a focus on commercial real estate and commercial and industrial lending, funded primarily through diversified deposit verticals. The bank emphasizes organic growth, maintains capital ratios above regulatory minimums, and positions itself as a well-capitalized institution with a strong liquidity profile in its regional banking market.
Average Trading Volume: 110,485
Technical Sentiment Signal: Buy
Current Market Cap: $818.7M
For a thorough assessment of MCB stock, go to TipRanks’ Stock Analysis page.