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Metro Bank
(LSE:MTRO)
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Rating:58Neutral
Price Target:
177.00 p
▲(21.90% Upside)
Action:Reiterated
Date:05/08/26
The score is most constrained by weak recent cash flow and higher leverage despite improving 2025 profitability. Technicals are supportive but appear overbought, while valuation is a positive factor due to the low P/E.
Positive Factors
Revenue Growth Momentum
A ~43% YoY revenue rebound in 2025 indicates renewed commercial traction and customer activity across retail and business lines. Durable top-line recovery supports scale economics, increases net interest and fee base, and creates a firmer platform for rebuilding stable profitability over the next 2–6 months.
Negative Factors
Very Weak Cash Generation
Sustained large negative operating and free cash flows undermine internal funding and raise structural financing risk. Over time this forces greater dependence on wholesale funding, asset sales, or equity raises, limiting the bank's ability to invest, lend, or absorb shocks without dilutive or costly external capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
A ~43% YoY revenue rebound in 2025 indicates renewed commercial traction and customer activity across retail and business lines. Durable top-line recovery supports scale economics, increases net interest and fee base, and creates a firmer platform for rebuilding stable profitability over the next 2–6 months.
Read all positive factors
Metro Bank (MTRO) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£1.14B
Dividend YieldN/A
Average Volume (3M)1.08M
Price to Earnings (P/E)21.8
Beta (1Y)0.65
Revenue Growth-10.71%
EPS Growth23.10%
CountryUK
Employees2,891
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.08
Shares Outstanding673,605,100
10 Day Avg. Volume946,774
30 Day Avg. Volume1,084,048
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)0.65
Price to Sales (P/S)0.94
P/FCF Ratio-0.72
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£195.00Price Target Upside34.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.13
Revenue Forecast (FY)£659.00M
Metro Bank Business Overview & Revenue Model
Company Description
Operating across the United Kingdom, Metro Bank PLC and its associated entities offer a comprehensive suite of financial services, catering to both individual and business clients. For individual customers, the bank delivers a diverse range of per...
How the Company Makes Money
Metro Bank primarily makes money through interest income and fee-based income generated from providing banking products and services. Its core revenue stream is net interest income: it takes deposits (current accounts and savings) and uses those f...
Metro Bank Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
51
Neutral
Cash Flow
24
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 862.60M | 962.80M | 615.70M | 483.60M | 392.80M |
| Gross Profit | 583.20M | 405.30M | 615.70M | 483.60M | 392.80M |
| EBITDA | 148.90M | -135.10M | 573.10M | 445.40M | 352.60M |
| Net Income | 69.70M | 42.50M | 29.50M | -72.70M | -248.20M |
Balance Sheet | |||||
| Total Assets | 16.48B | 17.58B | 22.25B | 22.12B | 22.59B |
| Cash, Cash Equivalents and Short-Term Investments | 2.19B | 2.81B | 3.89B | 1.96B | 3.57B |
| Total Debt | 1.58B | 675.00M | 694.00M | 571.00M | 588.00M |
| Total Liabilities | 15.22B | 16.40B | 21.11B | 21.16B | 21.55B |
| Stockholders Equity | 1.24B | 1.18B | 1.13B | 956.00M | 1.03B |
Cash Flow | |||||
| Free Cash Flow | -1.12B | -1.43B | 616.00M | -1.21B | 2.81B |
| Operating Cash Flow | -1.09B | -1.39B | 628.00M | -1.19B | 2.85B |
| Investing Cash Flow | 260.00M | 327.00M | 1.02B | -402.00M | -2.25B |
| Financing Cash Flow | 206.00M | -22.00M | 291.00M | -25.00M | -29.00M |
Metro Bank Technical Analysis
Positive
145.20
Price Trends
163.53
Positive
145.31
Positive
132.16
Positive
Market Momentum
1.66
Positive
53.12
Neutral
39.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MTRO, the sentiment is Positive. The current price of 145.2 is below the 20-day moving average (MA) of 170.17, below the 50-day MA of 163.53, and above the 200-day MA of 132.16, indicating a neutral trend. The MACD of 1.66 indicates Positive momentum. The RSI at 53.12 is Neutral, neither overbought nor oversold. The STOCH value of 39.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:MTRO.
Metro Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | £134.35M | 7.59 | 6.53% | 5.68% | -4.79% | -28.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £65.44B | 14.39 | 10.75% | 3.41% | -18.98% | 23.57% | |
65 Neutral | £1.47B | 8.74 | 11.98% | 4.74% | -6.82% | -7.03% | |
58 Neutral | £1.14B | 21.77 | 5.16% | ― | -10.71% | 23.10% | |
54 Neutral | £285.33M | 16.57 | 4.70% | 2.66% | 0.49% | -11.39% | |
51 Neutral | £617.93M | -11.76 | -9.28% | ― | -18.61% | 48.41% |
* Financial Sector Average
GB:MTRO
Metro Bank
169.60
40.20
31.07%
GB:CBG
Close Brothers Group
411.60
1.20
0.29%
GB:ARBB
Arbuthnot Banking
835.00
-74.93
-8.23%
GB:LLOY
Lloyds Banking
111.50
36.73
49.12%
GB:PAG
Paragon Banking Group PLC
804.50
-103.14
-11.36%
GB:STB
Secure Trust Bank
1,538.00
565.85
58.21%
Metro Bank Corporate Events
Business Operations and StrategyExecutive/Board Changes
Metro Bank Director Dorita Gilinski Takes Non-Executive Role at GeoPark
Neutral
Jul 15, 2026
Metro Bank Holdings PLC has announced that non-executive director Dorita Gilinski has joined the board of GeoPark Limited as a non-executive director, effective 14 July 2026. The move underscores the breadth of external board experience within Met...
Delistings and Listing ChangesRegulatory Filings and Compliance
Metro Bank updates share capital after new employee scheme admissions
Neutral
Jul 1, 2026
Metro Bank Holdings PLC, the listed parent of UK-focused Metro Bank, operates across corporate, commercial, SME and retail banking, with a particular emphasis on relationship banking via its branch network and digital platforms. The group is autho...
Shareholder Meetings
Metro Bank Wins Full Shareholder Backing at 2026 AGM
Positive
Jun 2, 2026
Metro Bank Holdings PLC, the listed holding company of Metro Bank’s UK banking group, serves corporate, commercial, SME, retail and private clients through a mix of physical branches, call centres and digital platforms. The group is authoris...
Private Placements and FinancingRegulatory Filings and Compliance
Metro Bank updates total voting rights after small employee-related share issue
Neutral
Jun 1, 2026
Metro Bank Holdings PLC has updated the market on its share capital after issuing 31,282 new ordinary shares during May 2026 under existing block admissions linked to its employee share schemes. These shares are fungible with its existing stock on...
Business Operations and StrategyRegulatory Filings and Compliance
Metro Bank Updates Share Count After Employee Scheme Admissions
Neutral
May 1, 2026
Metro Bank Holdings PLC has admitted 55,960 new ordinary shares to trading on the London Stock Exchange under an existing block admission for its employee share schemes, bringing the total number of ordinary shares in issue to 673,420,780. All sha...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.