Metropolitan Bank Holding (MCB) AI Stock Analysis

• Market Cap: $823.19M
• Dividend Yield: 0.19%
• Average Volume (3M): 70.72K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 1.16
• Revenue Growth: 9.96%
• EPS Growth: -0.17%
• Country: US
• Employees: 291
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.76
• Shares Outstanding: 10,421,384
• 10 Day Avg. Volume: 93,830
• 30 Day Avg. Volume: 70,724
• 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: 1.18
• Enterprise Value/Revenue: 1.93
• Enterprise Value/Gross Profit: 3.54
• Enterprise Value/Ebitda: 10.30
• 1Y Price Target: $85.67
• Price Target Upside: 10.60% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 78 Outperform
• Price Target: $88.00 ▲(13.61% Upside)

Metropolitan Bank Holding's overall stock score is driven by strong technical indicators and positive corporate events, including the initiation of dividends and share repurchase plans. Financial performance is solid, though cash flow challenges need attention. The valuation is fair, and the earnings call provided a positive outlook with some cautionary notes on expenses.

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 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 demonstrates strong financial health with consistent revenue growth, efficient operational management, and robust cash flow. The balance sheet is solid with manageable leverage, though the low equity ratio requires monitoring.

Income Statement

Metropolitan Bank Holding shows strong financial performance with consistent revenue growth. The TTM reveals a gross profit margin of 54.61%, a net profit margin of 13.49%, and an EBIT margin of 19.41%, indicating efficient operational management. The revenue growth from 2024 to TTM is modest at 0.62%, but the long-term growth trajectory is robust, with a significant increase since 2020. The company maintains healthy profitability metrics, though the slight decline in EBIT over recent years suggests monitoring.

Balance Sheet

The balance sheet of Metropolitan Bank Holding shows a solid equity position with a debt-to-equity ratio of 0.41 in TTM, reflecting prudent financial leverage. The return on equity is strong at 9.06%, and the equity ratio stands at 9.69%, indicating a stable capital structure. While the company has managed its debt well, the relatively low equity ratio signals a potential area of concern if liabilities increase.

Cash Flow

The cash flow statement indicates strong operational cash generation with an operating cash flow to net income ratio of 1.96 in TTM. The free cash flow to net income ratio is 1.89, showing effective cash management. However, the free cash flow growth rate has slightly declined by 13.24% from 2024, suggesting the need for attention to maintain liquidity. Overall, cash flow remains robust, supporting financial stability.

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	234.73M	457.44M	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: Positive
• Last Price: 77.46
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 77.46 is below the 20-day moving average (MA) of 77.71, above the 50-day MA of 74.80, and above the 200-day MA of 64.66, indicating a neutral trend. The MACD of 1.35 indicates Positive momentum. The RSI at 52.90 is Neutral, neither overbought nor oversold. The STOCH value of 37.48 is Neutral, 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	78 Outperform	$823.19M	12.80	9.72%	0.19%	9.96%	-0.17%
HTB	76 Outperform	712.99M	11.91	0.00%	0.88%	2.03%	4.81%
HBNC	74 Outperform	832.58M	13.81	6.56%	3.94%	7.86%	170.93%
SMBC	74 Outperform	624.04M	10.67	0.00%	1.70%	11.79%	17.30%
CCBG	73 Outperform	742.73M	12.75	10.68%	2.23%	9.68%	13.46%
MOFG	57 Neutral	600.48M	-7.15	-10.77%	3.34%	-35.26%	-305.96%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Metropolitan Bank Holding Corporate Events

Metropolitan Bank Holding Announces First Cash Dividend

On July 17, 2025, Metropolitan Bank Holding Corp. announced its first cash dividend of $0.15 per share since its initial public offering in 2017, payable on August 11, 2025. The company also approved a new $50 million share repurchase plan, following the completion of a previous $50 million repurchase program in May 2025. These initiatives reflect the company’s robust financial performance, highlighted by a 21.4% increase in diluted earnings per share and a 15 basis point rise in net interest margin for the second quarter of 2025. The company’s strong balance sheet and capital position enable it to pursue strategic growth opportunities while returning capital to shareholders.