Metropolitan Bank Holding (MCB) AI Stock Analysis

• Market Cap: $820.03M
• Dividend Yield: 0.38%
• Average Volume (3M): 86.33K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 0.96
• 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: 10,298,002
• 10 Day Avg. Volume: 90,381
• 30 Day Avg. Volume: 86,333
• 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: 1.33
• Enterprise Value/Revenue: 2.14
• Enterprise Value/Gross Profit: 4.18
• Enterprise Value/Ebitda: 12.87
• 1Y Price Target: $88.00
• Price Target Upside: 10.51% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $87.00 ▲(9.26% Upside)

Metropolitan Bank Holding's overall score is driven by strong financial performance and bullish technical indicators. While valuation metrics suggest moderate attractiveness, strategic initiatives and corporate events support future growth prospects. Challenges include declining profitability margins and increased loan provisions.

Positive Factors

Loan and Deposit Growth

Strong loan and deposit growth indicates robust demand for the bank's services, enhancing revenue potential and market position over the long term.

Net Interest Margin Expansion

Consistent margin expansion reflects effective pricing strategies, contributing to sustained profitability and competitive advantage.

AI Strategy Implementation

Adopting AI strategies positions the bank for technological advancement and efficiency, potentially driving long-term growth and operational improvements.

Negative Factors

Declining Profit Margins

Declining profit margins may indicate cost pressures or competitive challenges, potentially affecting long-term profitability and financial health.

Increased Loan Provisions

High loan provisions suggest credit quality concerns, which could impact future earnings and necessitate more conservative lending practices.

Rising Noninterest Expenses

Increasing noninterest expenses can pressure net income, requiring efficiency improvements to maintain profitability in the long run.

Metropolitan Bank Holding Business Overview & Revenue Model

Company Description

Metropolitan Bank Holding Corp (MCB) is a financial institution headquartered in New York that operates through its wholly-owned subsidiary, Metropolitan Commercial Bank. The bank primarily serves commercial and retail clients by providing a range of banking products and services, including commercial loans, residential mortgages, deposit accounts, and treasury management services. MCB focuses on serving niche markets, including the real estate, healthcare, and technology sectors, while also offering personalized banking solutions tailored to the needs of its diverse clientele.

How the Company Makes Money

Metropolitan Bank Holding generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The bank offers various types of loans, including commercial real estate loans, construction loans, and consumer loans, earning interest on the amounts lent to clients. Additionally, MCB earns fee income from services such as treasury management, deposit account services, and other banking fees. The bank may also generate income through investments in securities and other financial instruments. Partnerships with local businesses, real estate developers, and community organizations help to strengthen its client base and drive growth in loan origination and deposits, contributing to overall revenue.

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	510.83M	492.21M	403.31M	287.33M	196.98M	160.10M
Gross Profit	261.46M	270.66M	238.46M	245.63M	176.88M	132.44M
EBITDA	84.85M	85.67M	114.06M	106.61M	94.63M	62.52M
Net Income	63.66M	66.69M	77.27M	59.42M	60.55M	39.47M
Balance Sheet
Total Assets	8.23B	7.30B	7.07B	6.27B	7.12B	4.33B
Cash, Cash Equivalents and Short-Term Investments	920.72M	267.16M	269.46M	257.42M	2.93B	1.13B
Total Debt	292.36M	457.44M	546.59M	257.73M	57.17M	61.62M
Total Liabilities	7.50B	6.57B	6.41B	5.69B	6.56B	3.99B
Stockholders Equity	732.04M	729.83M	659.02M	575.90M	556.99M	340.79M
Cash Flow
Free Cash Flow	136.84M	145.83M	36.68M	66.65M	33.28M	83.36M
Operating Cash Flow	141.35M	148.46M	42.43M	85.89M	37.28M	87.27M
Investing Cash Flow	-853.17M	-369.61M	-775.45M	-1.23B	-1.30B	-489.04M
Financing Cash Flow	779.28M	151.96M	745.07M	-958.47M	2.76B	876.85M

Metropolitan Bank Holding Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 79.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 79.63 is above the 20-day moving average (MA) of 75.89, above the 50-day MA of 72.99, and above the 200-day MA of 68.37, indicating a bullish trend. The MACD of 2.39 indicates Negative momentum. The RSI at 67.83 is Neutral, neither overbought nor oversold. The STOCH value of 75.29 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
AMAL	82 Outperform	$973.83M	9.78	13.88%	1.74%	4.33%	-2.20%
CPF	80 Outperform	$874.85M	13.42	11.65%	3.34%	1.22%	15.97%
HBT	79 Outperform	$843.95M	10.85	13.78%	3.11%	3.86%	12.33%
MCB	74 Outperform	$820.03M	13.82	8.80%	0.38%	6.48%	8.78%
EQBK	70 Neutral	$900.41M	39.00	2.90%	1.34%	6.45%	8.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HBNC	58 Neutral	$940.35M	-4.67	-26.60%	3.47%	-78.64%	-913.67%

Metropolitan Bank Holding Corporate Events

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.

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.

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.