Diversified Revenue StreamsUS Metro Bank generates revenue from loans/mortgages, account and service fees, investment services, and fintech/local partnerships. This multi-channel income mix reduces reliance on a single source, supports steadier net interest and non-interest income, and bolsters resilience through interest-rate and business-cycle shifts over months.

Prudent Capital And LeverageAn improved debt-to-equity of 0.50 and a strong equity ratio indicate conservative leverage and solid capital buffers. This supports regulatory compliance, funding capacity for loan growth, and loss-absorption ability, enabling sustainable expansion and lower refinancing or liquidity risk over a multi-month horizon.

High Free Cash Flow ConversionAn FCF-to-net-income ratio near 87% shows the business converts reported profits into cash effectively, supporting dividend funding, loan originations, and reinvestment. While FCF growth metrics are flagged, strong conversion implies durable cash generation and operational liquidity over coming quarters.

Bears Say

Declining Profitability MarginsMaterial declines in gross, EBIT and net margins indicate pressure on pricing or rising costs. Sustained margin compression undermines retained earnings and ROE, limits capital available for lending or tech investment, and weakens competitive positioning if margins don't recover over several quarters.

Weak Operating Cash ConversionAn operating cash flow to net income ratio of 0.65% suggests reported earnings are not translating into operating cash. Persistently weak cash conversion can constrain funding for loan growth, increase reliance on external funding, and pressure liquidity management across the medium term.

Revenue Volatility / Inconsistent TrendsA sharply negative fundamentals revenue growth metric indicates recent volatility or declines in core revenue generation. Such swings complicate planning for credit provisioning, capital allocation, and branch/technology investments, increasing execution risk and forecasting uncertainty over the next several quarters.

USMT FAQ

What was US Metro Bank’s price range in the past 12 months?

US Metro Bank lowest stock price was $3.30 and its highest was $5.72 in the past 12 months.

What is US Metro Bank’s market cap?

US Metro Bank’s market cap is $10.85M.

When is US Metro Bank’s upcoming earnings report date?

US Metro Bank’s upcoming earnings report date is Apr 23, 2026 which is in 50 days.

How were US Metro Bank’s earnings last quarter?

US Metro Bank released its earnings results on Jan 27, 2026. The company reported $0.14 earnings per share for the quarter, beating the consensus estimate of N/A by $0.14.

Is US Metro Bank overvalued?

According to Wall Street analysts US Metro Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does US Metro Bank pay dividends?

US Metro Bank pays a Quarterly dividend of $0.03 which represents an annual dividend yield of 2.34%. See more information on US Metro Bank dividends here

What is US Metro Bank’s EPS estimate?

US Metro Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does US Metro Bank have?

US Metro Bank has 1,980,000 shares outstanding.

What happened to US Metro Bank’s price movement after its last earnings report?

US Metro Bank reported an EPS of $0.14 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of US Metro Bank?

Currently, no hedge funds are holding shares in USMT

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

US Metro Bank

US Metro Bancorp, Inc. operates as the bank holding company for US Metro Bank that provides various banking services to commercial business and individual consumers. The company's deposit products include checking, savings, money market, and certificate of deposit accounts, as well as treasury management services. It also offers real estate, business term and lines of credit, and small business administration loans, as well as construction and warehouse lending services. In addition, the company provides online and mobile banking, ATM, telebanc, and wire transfer services, as well as safe deposit box and debit card services. As of August 24, 2021, it operated five branches in Southern California; and loan production offices in Dallas, Seattle, New York, and Atlanta. The company was founded in 2006 and is headquartered in Garden Grove, California.