Metropolitan Bank Holding (MCB) AI Stock Analysis

• Market Cap: $696.77M
• Dividend Yield: 0.45%
• Average Volume (3M): 107.87K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 1.17
• Revenue Growth: 6.48%
• EPS Growth: 8.78%
• Country: US
• Employees: 291
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 10,421,384
• 10 Day Avg. Volume: 111,333
• 30 Day Avg. Volume: 107,866
• PEG Ratio: -0.69
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 1.33
• P/FCF Ratio: 4.48
• Enterprise Value/Market Cap: 1.39
• Enterprise Value/Revenue: 1.93
• Enterprise Value/Gross Profit: 3.54
• Enterprise Value/Ebitda: 10.30
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: $78.00 ▲(3.11% Upside)

Metropolitan Bank Holding's overall stock score reflects strong financial performance and positive earnings call highlights, including loan and deposit growth and margin expansion. However, technical indicators suggest a bearish trend, and cash flow challenges need addressing. The valuation is reasonable, with a newly introduced dividend adding appeal.

Metropolitan Bank Holding Business Overview & Revenue Model

Company Description

Metropolitan Bank Holding Corp (MCB) is a financial institution based in New York, primarily engaged in providing a range of banking services to individuals, businesses, and institutions. The bank operates through its subsidiary, Metropolitan Commercial Bank, which offers core products including commercial and residential loans, deposit accounts, treasury management, and wealth management services. MCB focuses on serving niche markets, such as healthcare, real estate, and small to medium-sized enterprises, emphasizing personalized banking solutions and customer service.

How the Company Makes Money

Metropolitan Bank Holding generates revenue through various key streams, primarily from interest income on loans and securities. The bank issues commercial and residential loans, for which it earns interest payments that typically constitute the largest portion of its revenue. Additionally, MCB earns non-interest income through fees associated with deposit accounts, transaction services, and wealth management solutions. Significant partnerships with local businesses and community organizations enhance its client base and expand its market reach, contributing to its earnings. The bank also benefits from a diversified funding base, which helps optimize its interest spread and overall profitability.

Metropolitan Bank Holding Financial Statement Overview

Summary

Metropolitan Bank Holding shows solid financial performance with consistent revenue growth and stable profitability. The balance sheet has strengthened with reduced leverage, but cash flow generation has faced recent challenges. Overall, the company is well-positioned but should focus on improving cash flow metrics to enhance financial flexibility.

Income Statement

Metropolitan Bank Holding has demonstrated consistent revenue growth, with a TTM revenue growth rate of 1.57%. The company maintains healthy profit margins, with a TTM net profit margin of 13.68% and an EBIT margin of 19.69%. However, there is a slight decline in gross profit margin over time, indicating potential cost pressures.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.32 in the TTM period, indicating a stronger balance sheet with reduced leverage. Return on equity is stable at 9.47%, reflecting efficient use of equity. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

Operating cash flow has decreased in the TTM period, impacting the operating cash flow to net income ratio, which stands at 0.016. Free cash flow growth is negative at -13.43%, suggesting challenges in generating cash. The free cash flow to net income ratio remains strong at 0.96, indicating good cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	503.04M	492.21M	403.31M	287.33M	196.98M	160.10M
Gross Profit	274.31M	270.66M	238.46M	245.63M	176.88M	132.44M
EBITDA	94.31M	85.67M	114.06M	106.61M	94.63M	62.52M
Net Income	68.81M	66.69M	77.27M	59.42M	60.55M	39.47M
Balance Sheet
Total Assets	7.85B	7.30B	7.07B	6.27B	7.12B	4.33B
Cash, Cash Equivalents and Short-Term Investments	564.61M	267.16M	269.46M	257.42M	2.93B	1.13B
Total Debt	237.99M	529.97M	546.59M	257.73M	57.17M	61.62M
Total Liabilities	7.13B	6.57B	6.41B	5.69B	6.56B	3.99B
Stockholders Equity	722.97M	729.83M	659.02M	575.90M	556.99M	340.79M
Cash Flow
Free Cash Flow	109.53M	145.83M	36.68M	66.65M	33.28M	83.36M
Operating Cash Flow	114.36M	148.46M	42.43M	85.89M	37.28M	87.27M
Investing Cash Flow	-733.88M	-369.61M	-775.45M	-1.23B	-1.30B	-489.04M
Financing Cash Flow	527.31M	151.96M	745.07M	-958.47M	2.76B	876.85M

Metropolitan Bank Holding Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 75.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCB, the sentiment is Negative. The current price of 75.65 is above the 20-day moving average (MA) of 74.04, below the 50-day MA of 76.19, and above the 200-day MA of 66.73, indicating a neutral trend. The MACD of -1.87 indicates Positive momentum. The RSI at 32.70 is Neutral, neither overbought nor oversold. The STOCH value of 5.42 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MCB.

Metropolitan Bank Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMAL	―	$821.07M	8.38	13.88%	2.02%	4.33%	-2.20%
CPF	―	$764.65M	13.55	11.16%	3.53%	2.81%	6.88%
HBT	―	$767.63M	9.87	13.78%	3.27%	3.86%	12.33%
MCB	―	$696.77M	11.78	8.80%	0.45%	6.48%	8.78%
EQBK	―	$790.44M	34.50	2.90%	1.53%	6.48%	8.32%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HBNC	―	$812.09M	-4.04	-26.60%	3.95%	-78.71%	-913.67%

Metropolitan Bank Holding Corporate Events

Metropolitan Bank’s Earnings Call: Growth Amid Challenges

Metropolitan Bank Holding Corp.’s recent earnings call painted a picture of both optimism and caution. The bank reported significant growth in loans and deposits, as well as margin expansion and technological advancements, which are positive indicators for its future prospects. However, these positive developments were tempered by challenges such as a large provision for loan losses and increased operating expenses. Overall, the sentiment was balanced, with growth metrics providing a positive outlook despite existing concerns.

Metropolitan Bank Reports Q3 2025 Financial Results

On October 23, 2025, Metropolitan Bank Holding Corp. reported its financial results for the third quarter of 2025, highlighting a net interest income growth of 18.5% compared to the previous year. The company’s net income was $7.1 million, a decrease from $18.8 million in the previous quarter, influenced by a $23.9 million provision for credit losses. Despite the decrease in earnings per share to $0.67, the company saw an increase in total loans and deposits, reflecting a robust balance sheet expansion. The bank’s net interest margin improved to 3.88%, supported by loan and deposit pricing strategies, and the company remains well-capitalized.

The most recent analyst rating on (MCB) stock is a Buy with a $84.00 price target. To see the full list of analyst forecasts on Metropolitan Bank Holding stock, see the MCB Stock Forecast page.

Metropolitan Bank Holding Announces Quarterly Dividend

On October 21, 2025, Metropolitan Bank Holding Corp. announced a quarterly cash dividend of $0.15 per share on its common stock, payable on November 14, 2025, to shareholders recorded by October 30, 2025. This announcement reflects the company’s ongoing commitment to providing shareholder value and may influence its market positioning by reinforcing investor confidence.

The most recent analyst rating on (MCB) stock is a Hold with a $79.00 price target. To see the full list of analyst forecasts on Metropolitan Bank Holding stock, see the MCB Stock Forecast page.

Metropolitan Bank Appoints New Independent Chairman

On September 30, 2025, Metropolitan Bank Holding Corp. announced the election of Anthony J. Fabiano as the independent Chairman of the Board, succeeding William Reinhardt, who will remain a board member. Fabiano, with over 40 years of experience in finance and banking, has been on the Board since 2020 and previously served as Executive Vice President and Chief Financial Officer of the company and the bank. This leadership change is expected to support the bank’s growth and value creation, as emphasized by the company’s President and CEO, who praised Fabiano’s strategic insight and Reinhardt’s past leadership.

The most recent analyst rating on (MCB) stock is a Buy with a $88.00 price target. To see the full list of analyst forecasts on Metropolitan Bank Holding stock, see the MCB Stock Forecast page.