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Metropolitan Bank Holding (MCB)
NYSE:MCB
Earnings Data
Report Date
Apr 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.37Last Year’s EPS
1.45Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Strong Annual Loan Growth
Loan portfolio expanded by approximately $775–$776 million for the year, representing nearly 13% year-over-year growth; total loan originations reached about $1.9 billion.
Robust Deposit Expansion
Deposits grew by roughly $1.4 billion for the year (about 23%); quarter-over-quarter deposit growth was $34 million (≈4.3%), and the spot cost of interest-bearing deposits declined ~43 basis points Q/Q.
Net Interest Margin and NII Expansion
Reported fourth-quarter NIM was 4.10%, up 22 basis points from the prior quarter (adjusted NIM ≈4.02% after above-normal prepayment/fee items); fourth-quarter net interest income was $85.3 million, up >10% linked quarter and nearly 20% year-over-year.
Improved Profitability Metrics and EPS
Diluted EPS for the fourth quarter was $2.77; adjusted ROTCE for the quarter was just north of 14% with forecasted ROTCE approaching ~16% for 2026.
Wholesale Funding Eliminated
Paid off all wholesale funding totaling $450 million during 2025, reducing funding cost and reliance on non-deposit funding sources.
Operational Discipline and Expense Reductions
Noninterest expense for the quarter was $44.4 million, down $1.4 million versus prior quarter driven by a $1.3 million reduction in compensation & benefits and a $649k decline in professional fees; bank provided FY2026 OpEx guidance of $189–$191 million reflecting disciplined planning.
Branch Expansion and Market Presence
Opened a full-service branch in Lakewood, NJ in Q4 and plans to open two branches in Florida (Miami and West Palm Beach) in 2026 to deepen presence in key growth markets.
2026 Guidance — Continued Growth with Defensible NIM
Management expects ~ $800 million (≈12%) loan growth in 2026 funded by deposits, modest NIM expansion and an annual NIM target of ~4.1%; forecasts 5–10% noninterest income growth and maintains securities portfolio at ~10–12% of the balance sheet.
MCB Earnings History
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 |
|---|---|---|---|
Jan 20, 2026 | $79.45 | $90.50 | +13.91% |
Oct 23, 2025 | $74.17 | $70.58 | -4.85% |
Jul 17, 2025 | $75.82 | $77.45 | +2.15% |
Apr 21, 2025 | $55.16 | $57.14 | +3.60% |
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 Apr 16, 2026, Before Open (Confirmed).
What is Metropolitan Bank Holding (MCB) earnings time?
Metropolitan Bank Holding (MCB) earnings time is at Apr 16, 2026, 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 2026 (Q1) is 2.37.