Metropolitan Bank Holding (MCB)
NYSE:MCB
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MCB Stock Chart & Stats
$89.02
-$0.65(-1.12%)
At close: 4:00 PM EST
$89.02
-$0.65(-1.12%)
Day’s Range― - ―
52-Week Range$62.13 - $97.84
Previous CloseN/A
Volume20.46K
Average Volume (3M)85.05K
Market Cap
$1.12B
Enterprise Value$952.33M
Total Cash (Recent Filing)$944.64M
Total Debt (Recent Filing)$10.97M
Price to Earnings (P/E)7.1
Beta1.03
Next Earnings
Jul 16, 2026EPS Estimate
2.31Next Dividend Ex-DateN/A
Dividend Yield0.38%
Share Statistics
EPS (TTM)6.75
Shares Outstanding12,506,569
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 Ratio9.82
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue1.81
Enterprise Value/Gross Profit3.43
Enterprise Value/Ebitda10.06
Forecast
1Y Price Target
$103.00Price Target Upside15.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.04
Revenue Forecast (FY)$377.77M
Bulls Say, Bears Say
Bulls Say
Multi-year Revenue & Earnings GrowthSustained multi-year revenue and net income growth indicates the bank's relationship-driven commercial lending model is expanding market share. Durable earnings growth supports reinvestment in lending capacity and operations, underpinning 2-6 month outlooks for continued loan and fee momentum.
Strengthened Capital And Balance Sheet FlexibilityMaterial equity base and effectively zero debt improve loss-absorbing capacity and funding optionality. The recent follow-on equity offering further bolsters capital, enabling sustained organic loan growth targets without risking regulatory capital strain over the medium term.
High Profitability, Strong Loan Pipeline And Deposit GrowthA high ROATCE and a large signed loan pipeline signal both pricing power and origination capacity. Concurrent deposit inflows and explicit NIM/NII guidance reflect sustainable core margin expansion as loans deploy, supporting durable net interest income growth across the next several quarters.
Bears Say
Margin Compression & FCF VolatilityMargins have narrowed from peak levels, and a sharp 2025 free cash flow decline versus 2024 highlights uneven cash conversion. Persistently tighter margins or continued FCF volatility would constrain capital allocation flexibility and undermine long-term earnings quality.
Credit Losses And Legacy Asset RemediationQuarterly charge-offs and an allowance reduction point to episodic credit stress and legacy problem credits that require active remediation. If additional weakness emerges, credit costs could rise and pressure returns, making asset-quality trends a durable risk to earnings.
Deposit Mix & Funding Concentration RiskConcentration in higher-cost verticals (HOAs, EB-5, municipals) leaves funding costs sensitive to retention and scaling of newer channels. Until HUD and iGaming materially lower funding costs, deposit-mix pressure could persist and cap margin upside over the medium term.
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 $62.13 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 $1.12B.
When is Metropolitan Bank Holding’s upcoming earnings report date?
Metropolitan Bank Holding’s upcoming earnings report date is Jul 16, 2026 which is in 73 days.
How were Metropolitan Bank Holding’s earnings last quarter?
Metropolitan Bank Holding released its earnings results on Apr 21, 2026. The company reported $2.92 earnings per share for the quarter, beating the consensus estimate of $2.307 by $0.613.
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 2.31.
How many shares outstanding does Metropolitan Bank Holding have?
Metropolitan Bank Holding has 12,506,569 shares outstanding.
What happened to Metropolitan Bank Holding’s price movement after its last earnings report?
Metropolitan Bank Holding reported an EPS of $2.92 in its last earnings report, beating expectations of $2.307. Following the earnings report the stock price went down -1.372%.
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$103.00 (15.70% Upside)
$103.00 (15.70% 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
Bought Shares
Worth $80.0K 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
10.95%
Trailing 12-Months
Asset Growth
16.12%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong underlying performance and growth momentum: high profitability (ROATCE 15.6%), a successful capital raise, robust loan pipeline (> $1.2B with > $700M in signed term sheets), and accelerating deposit growth (~$363M, +5%). Management provided constructive near-term NIM guidance (normalized Q1 NIM ~4.12% with an expectation to reach 4.15%–4.20%) and reiterated a $1B loan growth target for 2026. Key strategic initiatives (iGaming payments and HUD) moved into integration and testing, expected to contribute materially in the back half of the year. Offsetting these positives were three Q1 charge-offs totaling $12.3M and an allowance reduction, a modest QoQ decline in reported NIM, elevated cash balances that depress near-term NIM until deployed, compensation-driven expense increases and a delay in digital transformation that shifts ~$2M of costs into Q2. Overall, the positives (growth, capital, pipeline, and strategic progress) outweigh the transitory and manageable negatives.View all MCB earnings summariesMCB Stock 12 Month Forecast
Average Price Target
$103.00
▲(15.70% Upside)
Technical Analysis
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Ownership Overview
5.45% Insiders
13.86% Mutual Funds
0.55% Other Institutional Investors
64.45% Public Companies and
Individual Investors