Metropolitan Bank Holding (MCB)
NYSE:MCB
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Earnings Data
Report Date
Jul 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.31Last Year’s EPS
1.76Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Strong Profitability (ROATCE)
Reported return on average tangible common equity (ROATCE) of 15.6%, highlighted as an impressive print by management.
Follow-On Capital Raise
Successful follow-on equity raise executed in March under challenging market conditions, providing incremental capital to support growth and noted as a validation by management.
Loan Growth and 2026 Guidance
Loan book increased by approximately $235 million in Q1; management reiterated guidance of $1.0 billion net loan growth for 2026 and reported full-quarter originations/draws of ~$524 million at a weighted average coupon (net of fees) of ~7.24%.
Robust Pipeline and Signed Commitments
Current loan opportunities total more than $1.2 billion across various underwriting stages, with signed term sheets representing over $700 million of that pipeline.
Deposit Growth and Lower Cost of Funds
Deposits grew by approximately $363 million, or ~5% in Q1; cost of deposits declined by ~15 basis points quarter-over-quarter (driven primarily by late-2025 FOMC rate cuts). Key deposit verticals driving growth were municipals, EB-5 and HOAs.
Net Interest Margin and Near-Term Outlook
Reported NIM of 4.08% (down 2 bps QoQ); after conservative adjustments for elevated cash the normalized Q1 NIM was ~4.12%. Management expects NIM to trend higher toward 4.15%–4.20% during the year and projects at least 20% net interest income growth for the full year.
New Business Initiatives Progressing (Payments and HUD)
iGaming payments and HUD platforms moved from conceptual to integration stage with testing for iGaming planned June–September and potential go-live late Q3/Q4; management expects these initiatives to drive meaningful balance sheet growth and fee income in the back half of the year.
Active NPL Resolution and Recoveries
Three loans charged off this quarter totaling $12.3 million (two unsecured personal lines and one out-of-market CRE); management expects recoveries of approximately $7–8 million this year and signaled active efforts to resolve a small group of legacy credits.
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 |
|---|---|---|---|
Apr 21, 2026 | $88.85 | $87.63 | -1.37% |
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% |
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 Jul 16, 2026, Before Open (Confirmed).
What is Metropolitan Bank Holding (MCB) earnings time?
Metropolitan Bank Holding (MCB) earnings time is at Jul 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 (Q2) is 2.31.