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Metropolitan Bank Holding
(NYSE:MCB)
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Rating:77Outperform
Price Target:
$106.00
â–²(19.07% Upside)
Action:Reiterated
Date:06/23/26
MCB scores well primarily on solid financial performance (strong growth, healthy cash generation, and conservative leverage/steady returns) and a constructive earnings outlook (reiterated loan and NII growth targets with improving NIM expectations). Technicals support the score with an upward trend above key moving averages, while valuation is reasonable on earnings though the dividend yield is modest.
Positive Factors
High profitability (ROATCE)
A ROATCE of 15.6% signals durable earnings generation and efficient capital deployment relative to peers. Sustained high returns allow the bank to reinvest in loan growth, support dividends/share repurchases, and absorb cyclical losses while preserving shareholder value over the medium term.
Negative Factors
Margin compression trend
A multi-year decline in margins materially reduces earnings power per dollar of revenue. Persistent margin compression can stem from competitive pressure, deposit-cost mix shifts, or structural funding changes, making it harder to convert revenue growth into sustainable EPS and return targets.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability (ROATCE)
A ROATCE of 15.6% signals durable earnings generation and efficient capital deployment relative to peers. Sustained high returns allow the bank to reinvest in loan growth, support dividends/share repurchases, and absorb cyclical losses while preserving shareholder value over the medium term.
Read all positive factors
Metropolitan Bank Holding (MCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.22B
Dividend Yield0.38%
Average Volume (3M)85.05K
Price to Earnings (P/E)12.0
Beta (1Y)0.98
Revenue Growth9.48%
EPS Growth37.91%
CountryUS
Employees291
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.23
Shares Outstanding12,394,797
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 Cap0.82
Enterprise Value/Revenue1.84
Enterprise Value/Gross Profit3.31
Enterprise Value/Ebitda8.91
Forecast
1Y Price Target
$103.00Price Target Upside15.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)10.04
Revenue Forecast (FY)$381.25M
Metropolitan Bank Holding Business Overview & Revenue Model
Company Description
Metropolitan Bank Holding Corp. acts as the parent organization for Metropolitan Commercial Bank, which provides a wide array of business, commercial, and personal banking offerings. This institution serves a diverse clientele, including small and...
How the Company Makes Money
MCB primarily makes money through net interest income and noninterest income. Net interest income is earned by collecting interest on loans and other interest-earning assets and paying interest on deposits and other funding sources; the spread bet...
Metropolitan Bank Holding Earnings Call Summary
Earnings Call Date:Apr 21, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 16, 2026
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.Positive Updates
Strong Profitability (ROATCE)
Reported return on average tangible common equity (ROATCE) of 15.6%, highlighted as an impressive print by management.
Negative Updates
Quarterly Charge-Offs and Allowance Changes
Three charge-offs totaling $12.3 million drove a reduction in the allowance; although a $2.6 million provision release and methodological enhancements contributed to the change, charge-offs reflect credit losses in the quarter.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Profitability (ROATCE)
Reported return on average tangible common equity (ROATCE) of 15.6%, highlighted as an impressive print by management.
Read all positive updates
Company Guidance
The company reiterated 2026 guidance calling for roughly $1.0 billion of net loan growth and at least 20% net interest income growth, with NIM expected to rise toward 4.15%–4.20% over the year (management notes each 25 bp Fed funds cut historically drives ~5 bp of NIM, but they have removed rate‑cut assumptions from the 2026 model). Key Q1 metrics included loan growth of about $235M, total originations/draws of ~$524M at a weighted average coupon net of fees of ~7.24%, payoffs/paydowns of ~$287M at a WAC of ~7.37%, a loan pipeline >$1.2B (signed term sheets >$700M), and deposits up ~$363M (~5%) with cost of deposits down 15 bps. The bank reported ROATCE of 15.6%, carried elevated cash (average ~ $600M vs. a normal target ~ $200M) that management expects to work down as loans grow, Q1 NIM of 4.08% (normalized to ~4.12% after adjustments), ACL activity including $12.3M of charge‑offs and a $2.6M provision release (with expected recoveries of ~$7M–$8M), Q1 noninterest expense of $46.4M (+$2M QoQ) and digital/project costs of ~$1M in Q1 (about $2M penciled into Q2), and an operating expense outlook they continue to support at roughly $189M–$191M for the year; management also reiterated the intent to fund 2026 loan growth with deposits and expects HUD and iGaming initiatives to become meaningful contributors to deposit and fee income in the back half of the year.Metropolitan Bank Holding Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 542.25M | 527.15M | 492.21M | 403.31M | 287.33M | 196.98M |
| Gross Profit | 302.22M | 277.51M | 270.66M | 238.46M | 245.63M | 176.88M |
| EBITDA | 112.15M | 90.46M | 85.67M | 114.06M | 106.61M | 94.63M |
| Net Income | 86.17M | 71.10M | 66.69M | 77.27M | 59.42M | 60.55M |
Balance Sheet | ||||||
| Total Assets | 8.84B | 8.26B | 7.30B | 7.07B | 6.27B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 12.03M | 944.64M | 267.16M | 269.46M | 257.42M | 2.93B |
| Total Debt | 36.59M | 10.97M | 457.44M | 546.59M | 257.73M | 57.17M |
| Total Liabilities | 7.90B | 7.51B | 6.57B | 6.41B | 5.69B | 6.56B |
| Stockholders Equity | 948.34M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
Cash Flow | ||||||
| Free Cash Flow | 129.21M | 82.42M | 145.83M | 36.68M | 66.65M | 33.28M |
| Operating Cash Flow | 135.94M | 88.68M | 148.46M | 42.43M | 85.89M | 37.28M |
| Investing Cash Flow | -770.07M | -762.96M | -369.61M | -775.45M | -1.23B | -1.30B |
| Financing Cash Flow | 1.11B | 867.60M | 151.96M | 745.07M | -958.47M | 2.76B |
Metropolitan Bank Holding Technical Analysis
Positive
89.02
Price Trends
91.57
Positive
88.80
Positive
82.87
Positive
Market Momentum
2.45
Negative
68.30
Neutral
87.19
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCB, the sentiment is Positive. The current price of 89.02 is below the 20-day moving average (MA) of 95.14, below the 50-day MA of 91.57, and above the 200-day MA of 82.87, indicating a bullish trend. The MACD of 2.45 indicates Negative momentum. The RSI at 68.30 is Neutral, neither overbought nor oversold. The STOCH value of 87.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCB.
Metropolitan Bank Holding Risk Analysis
Metropolitan Bank Holding disclosed 37 risk factors in its most recent earnings report. Metropolitan Bank Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Metropolitan Bank Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.37B | 13.24 | 13.37% | 1.70% | 6.23% | 2.16% | |
77 Outperform | $1.22B | 11.99 | 10.95% | 0.38% | 9.48% | 37.91% | |
76 Outperform | $997.07M | 12.61 | 13.73% | 3.39% | 5.37% | 40.00% | |
70 Outperform | $1.16B | 14.71 | 10.87% | 3.21% | 4.14% | -9.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $1.01B | 35.89 | 3.40% | 1.34% | 0.80% | -67.72% | |
56 Neutral | $1.03B | -6.28 | -20.89% | 3.50% | -71.38% | -406.48% |
* Financial Sector Average
MCB
Metropolitan Bank Holding
98.76
25.99
35.71%
CPF
Central Pacific Financial
38.20
10.11
35.99%
HBNC
Horizon Bancorp
19.98
4.32
27.62%
EQBK
Equity Bancshares
48.99
7.05
16.80%
AMAL
Amalgamated Bank
45.90
13.65
42.33%
HBT
HBT Financial
31.99
6.79
26.97%
Metropolitan Bank Holding Corporate Events
Business Operations and StrategyStock Buyback
Metropolitan Bank Launches New $50 Million Share Buyback
Positive
Jun 22, 2026
On June 19, 2026, Metropolitan Bank Holding Corp.’s board authorized a new share repurchase program allowing the company to buy back up to $50 million of its common stock, replacing a prior authorization from July 17, 2025. The program, fund...
Business Operations and StrategyExecutive/Board Changes
Metropolitan Bank Announces Board Retirement and Governance Changes
Neutral
Jun 8, 2026
On June 6, 2026, Metropolitan Bank Holding Corp. announced that William Reinhardt retired from the board of directors of both the holding company and its wholly owned subsidiary, Metropolitan Commercial Bank, with his departure effective immediate...
Executive/Board ChangesShareholder Meetings
Metropolitan Bank Stockholders Approve Proposals at Annual Meeting
Positive
Apr 29, 2026
On April 29, 2026, Metropolitan Bank Holding Corp. held its Annual Meeting of Stockholders, with approximately 85% of outstanding shares represented in person or by proxy. Stockholders elected four directors, Anthony J. Fabiano, Robert C. Patent, ...
Business Operations and StrategyDividendsFinancial DisclosuresPrivate Placements and Financing
Metropolitan Bank Holding Posts Strong Q1 2026 Results
Positive
Apr 21, 2026
Metropolitan Bank Holding Corp. reported strong first-quarter 2026 results on April 21, 2026, with net income rising to $31.4 million and diluted EPS increasing to $2.92, up from both the prior quarter and prior-year period. Net interest income cl...
DividendsFinancial Disclosures
Metropolitan Bank Holding Increases Quarterly Cash Dividend Payout
Positive
Apr 20, 2026
On April 20, 2026, Metropolitan Bank Holding Corp.’s board of directors declared a quarterly cash dividend of $0.25 per share on its common stock, up from the prior $0.20 per share. The dividend will be paid on May 12, 2026 to shareholders o...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.