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Metropolitan Bank Holding (MCB)
NYSE:MCB
MCB Stock Chart & Stats
$84.15
-$0.65(-1.12%)
At close: 4:00 PM EST
$84.15
-$0.65(-1.12%)
Day’s Range― - ―
52-Week Range$47.08 - $97.84
Previous CloseN/A
Volume20.46K
Average Volume (3M)85.05K
Market Cap
$851.27M
Enterprise Value$854.49M
Total Cash (Recent Filing)$591.02M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)12.7
Beta0.98
Next Earnings
Apr 16, 2026EPS Estimate
2.37Next Dividend Ex-DateN/A
Dividend Yield0.38%
Share Statistics
EPS (TTM)2.77
Shares Outstanding10,116,117
10 Day Avg. Volume92,841
30 Day Avg. Volume85,050
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)1.09
Price to Sales (P/S)1.53
P/FCF Ratio9.12
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue1.62
Enterprise Value/Gross Profit3.08
Enterprise Value/Ebitda9.02
Forecast
1Y Price Target
$96.50Price Target Upside14.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)9.63
Revenue Forecast (FY)$354.63M
Bulls Say, Bears Say
Bulls Say
Balance-sheet FlexibilityEliminating reported debt and reducing wholesale funding materially lowers refinancing and liquidity risk, reduces funding costs, and expands strategic optionality. Over 2–6 months this improves the bank’s ability to fund loan growth organically, absorb shocks, and allocate capital to growth or returns without reliance on costly external funding.
Deposit-funded Organic GrowthStrong deposit inflows funding double-digit loan growth is a structurally durable advantage: lower-cost, sticky funding supports higher net interest margin, reduces reliance on wholesale markets, and permits scalable commercial lending. Deposit-led expansion enhances liquidity and enables gradual, sustained balance-sheet growth.
Defensible Margin And ROE TrajectoryA reported NIM above 4% and improving ROTCE reflect persistent spread advantage from commercial lending and disciplined pricing. If management sustains a ~4.1% NIM and ROTCE near mid-teens while funding with deposits, profitability fundamentals remain durable, supporting reinvestment and shareholder returns over the medium term.
Bears Say
Volatile Cash GenerationSharp year-over-year FCF decline and inconsistent cash conversion undermine predictability for dividends, buybacks, and organic investments. Over a multi-month horizon, volatile cash generation can constrain capital allocation, elevate payout risk, and force reliance on equity or slower internal funding for strategic initiatives.
Asset-quality Pressure / WorkoutsA small but rising NPA balance and ongoing loan workouts create uncertainty around future provisions and realized losses. If workouts extend or require larger reserves, credit costs could depress returns and capital ratios, weighing on durable earnings and the speed at which management can safely scale new originations.
Capital Headroom And DilutionThe equity raise strengthens capital but signals limited excess capital and introduces dilution. Running TCE in the high‑8s while pursuing double-digit growth constrains cushion for stress and M&A, and incremental issuance may be needed for runway—raising structural sensitivity of growth plans to capital access and execution risk.
Metropolitan Bank Holding News
MCB FAQ
What was Metropolitan Bank Holding’s price range in the past 12 months?
Metropolitan Bank Holding lowest stock price was $47.08 and its highest was $97.84 in the past 12 months.
What is Metropolitan Bank Holding’s market cap?
Metropolitan Bank Holding’s market cap is $851.27M.
When is Metropolitan Bank Holding’s upcoming earnings report date?
Metropolitan Bank Holding’s upcoming earnings report date is Apr 16, 2026 which is in 45 days.
How were Metropolitan Bank Holding’s earnings last quarter?
Metropolitan Bank Holding released its earnings results on Jan 20, 2026. The company reported $2.77 earnings per share for the quarter, beating the consensus estimate of $2.203 by $0.567.
Is Metropolitan Bank Holding overvalued?
According to Wall Street analysts Metropolitan Bank Holding’s price is currently Undervalued.
Does Metropolitan Bank Holding pay dividends?
Metropolitan Bank Holding pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 0.38%. See more information on Metropolitan Bank Holding dividends here
What is Metropolitan Bank Holding’s EPS estimate?
Metropolitan Bank Holding’s EPS estimate is 2.37.
How many shares outstanding does Metropolitan Bank Holding have?
Metropolitan Bank Holding has 10,116,117 shares outstanding.
What happened to Metropolitan Bank Holding’s price movement after its last earnings report?
Metropolitan Bank Holding reported an EPS of $2.77 in its last earnings report, beating expectations of $2.203. Following the earnings report the stock price went up 13.914%.
Which hedge fund is a major shareholder of Metropolitan Bank Holding?
Currently, no hedge funds are holding shares in MCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Metropolitan Bank Holding Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$96.50 (14.68% Upside)
$96.50 (14.68% Upside)
Blogger Sentiment
Bullish
MCB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 138.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.4M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
32.66%
12-Months-Change
Fundamentals
Return on Equity
8.80%
Trailing 12-Months
Asset Growth
11.23%
Trailing 12-Months
Company Description
Metropolitan Bank Holding
Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, and money market accounts, as well as certificates of deposit. It also provides lending products, including commercial real estate, construction, multi-family, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit card services. It operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York.
MCB Company Deck
MCB Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a predominantly positive picture: the bank delivered strong full-year loan (≈13%) and deposit (≈23%) growth, improved NIM and top-line NII, eliminated $450 million of wholesale funding, showed sequential expense control, and provided constructive 2026 guidance (targeting ~12% loan growth, ~4.1% NIM and ~16% ROTCE). Lowlights include elevated Q4 prepayments that muted quarter loan growth and added one-time items (~$4.6M), modest noninterest income, a small NPA uptick (~$5M) with ongoing workouts, and near-term transformation and real estate expense headwinds. Overall, positives outweigh the manageable and largely non-recurring negatives.View all MCB earnings summariesMCB Stock 12 Month Forecast
Average Price Target
$96.50
▲(14.68% Upside)
Technical Analysis
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Ownership Overview
5.70% Insiders
22.27% Mutual Funds
15.99% Other Institutional Investors
38.16% Public Companies and
Individual Investors