Metropolitan Bank Holding (MCB)
NYSE:MCB
Want to see MCB full AI Analyst Report?
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$62.58 - $97.84
Previous CloseN/A
Volume20.46K
Average Volume (3M)85.05K
Market Cap
$1.13B
Enterprise Value$978.58M
Total Cash (Recent Filing)$12.03M
Total Debt (Recent Filing)$36.59M
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)8.23
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 Cap0.87
Enterprise Value/Revenue1.80
Enterprise Value/Gross Profit3.24
Enterprise Value/Ebitda8.35
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)$381.25M
Bulls Say, Bears Say
Bulls Say
Loan Growth Pipeline & GuidanceA sizable, staged loan pipeline and a reiterated $1.0B 2026 loan growth target provide a durable source of future net interest income and balance-sheet expansion. Signed term sheets reduce execution risk and support sustainable loan-driven revenue growth over the next 2–6 months.
High Underlying ProfitabilityConsistently strong returns (ROATCE ~15.6%, ROE ~11% TTM) indicate durable underwriting discipline and earnings generation. High incremental returns on new loans support reinvestment and scalability, helping sustain profitability as the bank deploys excess liquidity.
Strengthened Capital And Conservative LeverageA conservative leverage profile and recent equity raise materially bolster capital buffers, preserving regulatory standing and providing funding optionality. This enhances the bank's ability to support loan growth, absorb losses, and execute strategic initiatives without destabilizing the balance sheet.
Bears Say
Margin Compression & Idle LiquiditySustained margin compression and prolonged elevated cash balances reduce net interest margin and earnings leverage. If excess liquidity remains while loan deployment lags, NIM recovery could be delayed, limiting cash generation and pressuring medium-term profitability.
Recent Charge-offs And Allowance ReductionMaterial quarter charge-offs and a smaller allowance increase underscore credit volatility in parts of the loan book. Continued charge-offs or reserve variability can erode earnings and capital, complicating credit planning and potentially constraining loan growth.
Deposit Mix And Funding Concentration RiskReliance on higher-cost deposit verticals (HOAs, EB-5, certain municipals) and an unproven shift to HUD/iGaming to lower funding costs creates structural funding risk. If new channels scale slower than expected, funding costs may remain elevated and compress margins.
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 $62.58 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 $1.13B.
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 51 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 12,394,797 shares outstanding.
What happened to Metropolitan Bank Holding’s price movement after its last earnings report?
Metropolitan Bank Holding reported an EPS of $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
Outperform
1
2
3
4
5
6
7
8
9
10
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
Increased
By 89.4K 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
Central Pacific Financial
―
Horizon Bancorp
―
Equity Bancshares
―
Amalgamated Bank
―
HBT Financial
―
Ownership Overview
5.50% Insiders
14.19% Mutual Funds
24.16% Other Institutional Investors
40.28% Public Companies and
Individual Investors