Metropolitan Bank Holding (MCB) AI Stock Analysis

• Market Cap: $747.70M
• Dividend Yield: N/A
• Average Volume (3M): 68.48K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 1.22
• Revenue Growth: 14.53%
• EPS Growth: -2.85%
• Country: US
• Employees: 291
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 1.45
• Shares Outstanding: 10,660,109
• 10 Day Avg. Volume: 83,546
• 30 Day Avg. Volume: 68,485
• PEG Ratio: N/A
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.47
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 0.41
• Enterprise Value/Gross Profit: 2.95
• Enterprise Value/Ebitda: 2.30
• 1Y Price Target: $75.50
• Price Target Upside: 7.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 77 Outperform
• Price Target: $74.00 ▲(5.50%Upside)

Metropolitan Bank Holding scores well due to its strong financial performance, evidenced by robust revenue and cash flow metrics. The technical analysis supports a bullish outlook, though it's tempered by mixed momentum signals. Valuation remains fair, and the earnings call provides an optimistic growth narrative despite some operational challenges.

Metropolitan Bank Holding Business Overview & Revenue Model

Company Description

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, and money market accounts, as well as certificates of deposit. It also provides lending products, including commercial real estate, construction, multi-family, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit card services. It operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York.

How the Company Makes Money

Metropolitan Bank Holding Corp. generates revenue primarily through the interest income from its loan portfolio and investment securities. The bank offers various loan products, such as commercial real estate loans, commercial and industrial loans, and consumer loans. Interest income from these loans constitutes a significant portion of the company's earnings. Additionally, MCB earns non-interest income through service charges, fees related to its deposit products, and other banking services. The company also benefits from partnerships with fintech companies and payment processors, which contribute to its fee income and broaden its revenue streams.

Metropolitan Bank Holding Financial Statement Overview

Summary

Metropolitan Bank Holding shows strong financial health with robust revenue growth and a solid balance sheet with no debt in 2024. Cash flow is strong, though attention is needed for profit margins and investment cash flow.

Income Statement

Metropolitan Bank Holding has demonstrated robust revenue growth over the years, with a significant increase in total revenue from 2023 to 2024. The gross profit margin remains high, indicating effective cost management. However, the net profit margin in 2024 is slightly lower compared to previous years, which may warrant attention despite the strong overall performance.

Balance Sheet

The balance sheet is strong with no total debt reported in 2024, significantly improving the debt-to-equity ratio. The equity ratio is healthy, and return on equity remains robust, showcasing the company's strong financial stability and effective use of equity capital. The company has maintained a strong liquidity position.

Cash Flow

Operating cash flow has improved significantly in 2024, indicating strong cash generation from core operations. Free cash flow shows healthy growth, supporting financial flexibility. However, the cash flow from investing activities remains negative, suggesting potential ongoing investments or asset purchases.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	495.28M	492.21M	403.31M	287.33M	196.98M	160.10M
Gross Profit	270.56M	270.66M	238.46M	245.63M	176.88M	132.44M
EBITDA	88.87M	85.67M	114.06M	106.61M	94.63M	62.52M
Net Income	66.84M	66.69M	77.27M	59.42M	60.55M	39.47M
Balance Sheet
Total Assets	7.62B	7.30B	7.07B	6.27B	7.12B	4.33B
Cash, Cash Equivalents and Short-Term Investments	253.41M	267.16M	269.46M	257.42M	2.93B	1.13B
Total Debt	302.40M	457.44M	546.59M	257.73M	57.17M	61.62M
Total Liabilities	6.88B	6.57B	6.41B	5.69B	6.56B	3.99B
Stockholders Equity	737.85M	729.83M	659.02M	575.90M	556.99M	340.79M
Cash Flow
Free Cash Flow	126.52M	145.83M	36.68M	66.65M	33.28M	83.36M
Operating Cash Flow	131.23M	148.46M	42.43M	85.89M	37.28M	87.27M
Investing Cash Flow	-559.52M	-369.61M	-775.45M	-1.23B	-1.30B	-489.04M
Financing Cash Flow	90.35M	151.96M	745.07M	-958.47M	2.76B	876.85M

Metropolitan Bank Holding Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 70.14 is above the 20-day moving average (MA) of 65.78, above the 50-day MA of 64.11, and above the 200-day MA of 59.73, indicating a bullish trend. The MACD of 1.33 indicates Negative momentum. The RSI at 68.07 is Neutral, neither overbought nor oversold. The STOCH value of 91.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCB.

Metropolitan Bank Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MCB	77 Outperform	$747.70M	11.86	9.47%	―	14.53%	-2.85%
SMBC	75 Outperform	$597.20M	10.62	11.12%	1.69%	13.48%	8.31%
HTB	75 Outperform	$655.08M	11.84	9.96%	1.28%	5.23%	-8.00%
CCBG	73 Outperform	$653.55M	11.38	11.83%	2.47%	8.13%	11.18%
HBNC	73 Outperform	$664.11M	14.63	6.06%	4.15%	9.55%	90.70%
Sector *	58 Neutral	$12.55B	5.32	-2.71%	5.38%	5.88%	-56.03%
MOFG	49 Neutral	$577.67M	―	-8.74%	3.50%	-27.65%	-343.61%

Metropolitan Bank Holding Corporate Events

Metropolitan Bank Holds Annual Stockholders Meeting

On May 28, 2025, Metropolitan Bank Holding Corp. conducted its Annual Meeting of Stockholders, where approximately 92.18% of the outstanding shares were represented. During the meeting, all nominated directors were elected, while the proposal for executive compensation did not pass. The appointment of Crowe LLP as the independent auditor for 2025 was ratified, and an amendment to the 2022 Equity Incentive Plan was approved.

The most recent analyst rating on (MCB) stock is a Buy with a $70.00 price target. To see the full list of analyst forecasts on Metropolitan Bank Holding stock, see the MCB Stock Forecast page.

Metropolitan Bank Reports Strong Q1 2025 Results

Metropolitan Bank Holding Corp. reported strong financial results for the first quarter of 2025, with total loans increasing by 10.9% and deposits by 3.4% compared to the previous year. Despite a decrease in net income from the previous quarter, the company maintained a stable asset quality and a robust capital position, indicating a positive outlook for continued growth and strategic initiatives.