The earnings call presented a generally positive outlook with continued growth in loans and deposits, expansion of the net interest margin, and significant shareholder value initiatives. However, the call also highlighted challenges such as increased provision expenses and specific loan reserves, along with declines in non-interest income and increased IT project costs.

Company Guidance

During the second quarter of 2025 earnings call, Metropolitan Bank Holding Corp. provided guidance reflecting robust financial performance and strategic growth initiatives. The bank reported a 4.3% increase in outstanding loans, totaling $271 million, and a 5.3% rise in core deposits, equating to $342 million. The net interest margin (NIM) expanded by 15 basis points to 3.83%, marking the seventh consecutive quarter of margin growth. Earnings per share rose 21% from the first quarter, reaching $1.76, while the tangible book value per share increased by over 4% to $68.44. The bank completed a $50 million share repurchase program and announced another of the same amount, alongside declaring a dividend on common stock for the first time. The provision expense was $6.4 million, with a $2.4 million reserve for a single non-performing loan. Despite macroeconomic uncertainties, the bank remains confident in achieving over 12% loan growth for the year, supported by a diverse and strong deposit funding model. Operating expenses are projected to average approximately $45 to $46 million per quarter for the remainder of 2025, with the effective tax rate expected to stay around 30%. The bank continues to prioritize strategic market positioning and asset quality while preparing for technological integration by the first quarter of the following year.

Strong Loan and Deposit Growth

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

Net Interest Margin Expansion

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

Earnings and Revenue Growth

Earnings per share increased by 21% to $1.76, and total revenue grew by 8% from $70.5 million to $76.2 million.

Shareholder Value Initiatives

Completion of a $50 million share repurchase program and announcement of a second $50 million program, alongside the first-ever dividend on common stock.

Strong Asset Quality

No broad-based negative trends identified in any loan segment, geography, or sector impacting the portfolio.

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

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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 (MCB) report earnings?

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

What is Metropolitan Bank Holding (MCB) earnings time?

Metropolitan Bank Holding (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.

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