The earnings call revealed strong financial performance, with significant growth in loans, deposits, and net interest margin. The company also demonstrated robust earnings per share and book value growth, alongside successful share repurchase and dividend announcements. However, increased provision expenses and IT project costs were noted as challenges. Overall, the highlights significantly outweigh the lowlights, indicating a positive outlook.

Company Guidance -

Q3 2025

During Metropolitan Bank Holding Corp.'s second quarter 2025 earnings call, the company provided robust guidance indicating continued growth and stability. Key metrics highlighted include a 4.3% increase in outstanding loans, amounting to $271 million, and a 5.3% rise in core deposits, totaling $342 million. The net interest margin (NIM) expanded by 15 basis points to 3.83%, marking the seventh consecutive quarter of margin growth. The bank reported a second-quarter earnings per share of $1.76, a 21% increase from the previous quarter, and a 4% rise in tangible book value per share to $68.44. Net income for the quarter was $18.8 million, and total revenue grew by 8% to $76.2 million. The call also mentioned the completion of a $50 million share repurchase program and the announcement of a second $50 million buyback. Additionally, the bank declared its first-ever dividend on common stock. Despite economic uncertainties, the company remains optimistic about further balance sheet growth, supported by strong credit metrics and a diversified deposit funding model. The bank expects loan growth of over 12% for the year and anticipates further NIM expansion, projecting an annual NIM of approximately 3.80%.

Loan and Deposit Growth

Outstanding loans increased by $271 million or 4.3%, and core deposits were up $342 million or 5.3%.

Net Interest Margin Expansion

Net interest margin (NIM) expanded by 15 basis points to 3.83%, marking the seventh consecutive quarter of margin expansion.

Earnings Per Share Increase

Reported earnings per share for the second quarter was $1.76, a 21% increase from the first quarter.

Book Value Growth

Tangible book value per share increased by more than 4% to $68.44, marking the tenth consecutive quarter of book value accretion.

Successful Share Repurchase Program

Completed a $50 million share repurchase program and announced a second $50 million program.

Dividend Announcement

Announced a dividend on common stock, the first in the company's history as a publicly traded company.

Strong Asset Quality

Excellent asset quality with no broad-based negative trends identified in any loan segment.

Revenue and Net Income Growth

Total revenue grew by 8% from $70.5 million to $76.2 million. Net income for the second quarter was $18.8 million, up more than 15% versus the prior period.

Metropolitan Bank Holding (MCB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

MCB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	2.08 / -	1.86	―	―	―
Jul 17, 2025	2025 (Q2)	1.73 / 1.76	1.5	17.33% (+0.26)
Apr 21, 2025	2025 (Q1)	1.53 / 1.45	1.46	-0.68% (-0.01)
Jan 23, 2025	2024 (Q4)	1.49 / 1.88	1.28	46.87% (+0.60)
Oct 17, 2024	2024 (Q3)	1.55 / 1.86	1.71	8.77% (+0.15)
Jul 18, 2024	2024 (Q2)	1.57 / 1.50	1.37	9.49% (+0.13)
Apr 18, 2024	2024 (Q1)	1.34 / 1.46	2.25	-35.11% (-0.79)
Jan 18, 2024	2023 (Q4)	1.49 / 1.28	2.43	-47.33% (-1.15)
Oct 19, 2023	2023 (Q3)	1.63 / 1.71	2.23	-23.32% (-0.52)
Jul 20, 2023	2023 (Q2)	1.73 / 1.37	2.07	-33.82% (-0.70)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MCB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$76.16	$77.80	+2.15%
Apr 21, 2025	$55.40	$57.40	+3.61%
Jan 23, 2025	$60.85	$65.65	+7.89%
Oct 17, 2024	$62.40	$58.19	-6.75%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Metropolitan Bank Holding Corp. (MCB) report earnings?

Metropolitan Bank Holding Corp. (MCB) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is Metropolitan Bank Holding Corp. (MCB) earnings time?

Metropolitan Bank Holding Corp. (MCB) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is MCB EPS forecast?

MCB EPS forecast for the fiscal quarter 2025 (Q3) is 2.08.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing