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Metropolitan Bank Holding (MCB)
NYSE:MCB
MCB Stock Chart & Stats
$80.34
-$0.65(-1.12%)
At close: 4:00 PM EST
$80.34
-$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
$812.73M
Enterprise Value$500.07M
Total Cash (Recent Filing)$591.02M
Total Debt (Recent Filing)$80.93M
Price to Earnings (P/E)11.4
Beta1.00
Next Earnings
Apr 16, 2026EPS Estimate
2.19Next 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 Ratio9.82
Enterprise Value/Market Cap0.62
Enterprise Value/Revenue0.95
Enterprise Value/Gross Profit1.80
Enterprise Value/Ebitda5.28
Forecast
1Y Price Target
$96.50Price Target Upside20.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)9.54
Revenue Forecast (FY)$372.83M
Bulls Say, Bears Say
Bulls Say
Deposit-led Funding StrengthSustained, large deposit growth provides a low-cost, stable funding base that supports targeted loan expansion without reliance on wholesale funding. Lower deposit costs improve net interest margin durability and liquidity, enabling predictable loan origination and balance-sheet flexibility over the medium term.
Much Stronger Balance Sheet / Leverage ReductionTransitioning to effectively zero reported debt materially reduces financial leverage and interest expense pressure, increasing capital flexibility. This positions the bank to support organic growth, absorb credit volatility, and pursue strategic investments without undue refinancing or liquidity strain over the next several quarters.
Technology Modernization And Strategic FocusMoving off legacy systems to a real-time, API-enabled platform and pursuing AI/payments upgrades is a structural improvement. It should lower operating costs, accelerate product rollout, expand fee-income opportunities, and improve client experience—supporting sustainable revenue and efficiency gains.
Bears Say
Volatile Cash GenerationMaterial year-to-year swings in free cash flow weaken internal funding reliability for dividends, buybacks, and technology investments. Even with positive FCF in 2025, the sharp decline vs. prior year raises questions about the consistency of cash conversion under different credit and prepayment scenarios.
Low Noninterest Income / Margin CompressionA thin fee-income run-rate and multi-year margin compression reduce earnings resilience. Reliance on net interest income makes profitability sensitive to loan mix, reinvestment yields, and deposit betas, limiting diversification of revenue and increasing exposure to adverse rate or competition dynamics.
Prepayment And Interest-rate SensitivityElevated prepayments shrink outstanding loan balances and create reinvestment risk at potentially lower spreads. Combined with guidance dependent on Fed cuts and deposit beta assumptions, this sensitivity can materially affect NIM and loan growth durability if rate moves or borrower behavior deviate from forecasts.
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 $812.73M.
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 24 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 2.19.
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 (20.11% Upside)
$96.50 (20.11% 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 $1.3M 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
▲(20.11% Upside)
Technical Analysis
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Ownership Overview
6.83% Insiders
22.22% Mutual Funds
23.33% Other Institutional Investors
28.35% Public Companies and
Individual Investors