Want to see MCB full AI Analyst Report?
MCB Stock Chart & Stats
$91.03
$1.02(1.12%)
At close: 4:00 PM EDT
$91.03
$1.02(1.12%)
Day’s Range― - ―
52-Week Range$64.66 - $102.04
Previous CloseN/A
Volume13.59K
Average Volume (3M)85.05K
Market Cap
$1.15B
Enterprise Value$1.26K
Total Cash (Recent Filing)$10.25M
Total Debt (Recent Filing)$36.56M
Price to Earnings (P/E)11.6
Beta1.06
Next Earnings
Oct 15, 2026EPS Estimate
2.36Next Dividend Ex-DateN/A
Dividend Yield1.03%
Share Statistics
EPS (TTM)8.00
Shares Outstanding12,394,797
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$105.00Price Target Upside15.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)9.94
Revenue Forecast (FY)$379.98M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthConservatively levered balance sheet (TTM debt/equity ~0.04; equity grew to $968M) provides a durable capital buffer and funding flexibility. This reduces solvency risk, supports regulatory ratios, and enables sustained lending, buybacks and dividends over the medium term.
Cash GenerationStrong cash conversion with TTM operating cash flow of $106.8M and FCF $103.6M (~95% of net income) shows earnings translate to cash. Reliable free cash flow underpins capital returns and reinvestment capacity without heavy external funding, supporting medium-term financial flexibility.
Loan Growth & NII MomentumA robust ~$1.0B loan pipeline and high-yield originations (Q2 draws ~$847M at ~7% WAC) support durable net interest income growth. Management’s NIM expansion guidance and deposit-funding plan imply sustainable margin improvement and recurring earnings benefits into 2027.
Bears Say
Revenue Decline & Margin PressureA sharp TTM revenue decline (-22.6%) and compressed operating margin (TTM EBIT ~12.2% vs prior ~19–34%) weaken earnings durability. Persistent top-line pressure would erode operating leverage, limit reinvestment and constrain the bank's ability to sustainably improve returns on equity.
Legacy Credit Charge-offsMaterial discrete charge-offs and reserve adjustments reduced Q2 earnings. While management calls these isolated, concentrated legacy CRE and HNW asset problems highlight residual asset-quality risk that could require additional provisions and pressure capital if recoveries fall short.
Deposit Seasonality & Funding CompetitionFlat quarter-end deposits, seasonal ~$200M muni outflows and noted competitive pressure raise funding risk. Higher deposit costs or slower deposit growth can compress NIM, forcing pricier funding or reduced loan growth, challenging the bank's plan to fund $1.0B in loans with core deposits.
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 $64.66 and its highest was $102.04 in the past 12 months.
What is Metropolitan Bank Holding’s market cap?
Metropolitan Bank Holding’s market cap is $1.15B.
When is Metropolitan Bank Holding’s upcoming earnings report date?
Metropolitan Bank Holding’s upcoming earnings report date is Oct 15, 2026 which is in 70 days.
How were Metropolitan Bank Holding’s earnings last quarter?
Metropolitan Bank Holding released its earnings results on Jul 21, 2026. The company reported $1.54 earnings per share for the quarter, missing the consensus estimate of $2.295 by -$0.755.
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 $0.35 which represents an annual dividend yield of 1.03%. See more information on Metropolitan Bank Holding dividends here
What is Metropolitan Bank Holding’s EPS estimate?
Metropolitan Bank Holding’s EPS estimate is 2.36.
How many shares outstanding does Metropolitan Bank Holding have?
Metropolitan Bank Holding has 12,394,797 shares outstanding.
What happened to Metropolitan Bank Holding’s price movement after its last earnings report?
Metropolitan Bank Holding reported an EPS of $1.54 in its last earnings report, missing expectations of $2.295. Following the earnings report the stock price went down -8.964%.
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:
$105.00 (15.35% Upside)
$105.00 (15.35% Upside)
Blogger Sentiment
Bullish
MCB Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 89.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.6M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
32.66%
12-Months-Change
Fundamentals
Return on Equity
1.03%
Trailing 12-Months
Asset Growth
12.79%
Trailing 12-Months
Company Description
Metropolitan Bank Holding
Metropolitan Bank Holding Corp. acts as the parent organization for Metropolitan Commercial Bank, which provides a wide array of business, commercial, and personal banking offerings. This institution serves a diverse clientele, including small and mid-sized enterprises, public sector bodies, and individual clients across the greater New York metropolitan region. The bank’s deposit products feature standard checking, savings, term deposit, and money market accounts, along with certificates of deposit. It also extends an extensive portfolio of credit facilities, encompassing financing for commercial properties, construction ventures, multi-family dwellings, and one-to-four-family residential units. Additional lending options include commercial and industrial loans, consumer credit, funds for property acquisition and renovation, and solutions for refinancing or extracting borrower equity. The institution further supports clients with loans on owner-occupied real estate, working capital lines of credit, trade finance, letters of credit, and conventional term loans. Beyond these core services, the company delivers cash management solutions. It offers modern digital banking options, such as online and mobile platforms, alongside automated clearing house (ACH) transactions, remote check deposit services, and debit card provisions. Metropolitan Commercial Bank maintains a physical presence through six branches located in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp., established in 1999, has its corporate headquarters in New York City.
MCB Company Deck
MCB Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive view of the franchise: strong loan growth, a robust $1.0B pipeline, high-yield originations, clear NIM expansion plans and targeted strategic investments (AI and payments) expected to drive revenue and deposits in 2027. Offsetting near-term headwinds included several discrete legacy credit charge-offs/settlements, one-time legal and operational expenses, and deposit seasonality/competition that pressured quarter-end metrics. Management framed the credit issues as isolated and emphasized confidence in normalization and recoveries (expects $7.5M–$10M of recoveries by year-end) and reiterated guidance for funding loan growth with deposits and achieving higher NIM and net interest income growth for the year.View all MCB earnings summariesMCB Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$105.00
▲(15.35% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Central Pacific Financial
―
Horizon Bancorp
―
Equity Bancshares
―
Amalgamated Bank
―
HBT Financial
―
Ownership Overview
5.34% Insiders
14.90% Mutual Funds
1.64% Other Institutional Investors
60.00% Public Companies and
Individual Investors









