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US Metro Bank (USMT)
OTHER OTC:USMT
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US Metro Bank
(OTC:USMT)
Select Model
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Rating:69Neutral
Price Target:
$5.50
▲(14.11% Upside)
US Metro Bank's overall score reflects strong valuation metrics and positive technical indicators, offset by challenges in profitability and cash flow efficiency. The stock's low P/E ratio and solid dividend yield enhance its attractiveness, while the technical analysis suggests potential for upward movement. However, financial performance issues, particularly in profitability margins, temper the overall score.
US Metro Bank (USMT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$9.50M
Dividend Yield2.55%
Average Volume (3M)2.32K
Price to Earnings (P/E)8.4
Beta (1Y)0.22
Revenue Growth-3.90%
EPS Growth-4.67%
CountryUS
Employees151
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.18
Shares Outstanding1,980,000
10 Day Avg. Volume5,372
30 Day Avg. Volume2,324
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)0.66
Price to Sales (P/S)0.72
P/FCF Ratio9.52
Enterprise Value/Market Cap8.08
Enterprise Value/Revenue0.80
Enterprise Value/Gross Profit1.25
Enterprise Value/Ebitda5.35
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering0
US Metro Bank Business Overview & Revenue Model
Company DescriptionUS 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.
How the Company Makes MoneyUS Metro Bank generates revenue through various key streams. Primarily, the bank earns interest income from loans issued to customers, including personal loans, home mortgages, and business loans. This interest income forms the bulk of its earnings. Additionally, USMT collects fees from account maintenance, overdrafts, and transaction services which contribute to non-interest income. The bank may also generate revenue through investment services and wealth management offerings. Significant partnerships with financial technology firms and local businesses enhance its service offerings and customer base, further driving revenue growth.
US Metro Bank Financial Statement Overview
Summary
US Metro Bank demonstrates strong revenue growth and a stable balance sheet, but faces challenges in maintaining profitability margins and cash flow efficiency. The bank's leverage is well-managed, but declining profitability metrics and cash flow ratios suggest areas for improvement.Income Statement
US Metro Bank shows strong revenue growth of 18.94% in the latest year, indicating a positive trend. However, the gross profit margin has decreased significantly from over 100% to 48.42%, and the net profit margin has also declined to 9.01%. This suggests increased costs or reduced pricing power. The EBIT and EBITDA margins have also decreased, indicating reduced operational efficiency.65
Positive
Balance Sheet
The debt-to-equity ratio has improved slightly to 0.50, indicating a stable leverage position. However, the return on equity has decreased to 8.35%, reflecting lower profitability relative to equity. The equity ratio remains strong, suggesting a solid capital structure.70
Positive
Cash Flow
The free cash flow growth rate is reported as 'Infinity' due to a previous negative value, which complicates interpretation. The operating cash flow to net income ratio is low at 0.65%, indicating potential cash flow challenges. However, the free cash flow to net income ratio remains healthy at 87.21%.60
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.58M | 93.65M | 45.60M | 58.15M | 50.63M | 32.67M |
| Gross Profit | 61.32M | 45.34M | 45.60M | 49.59M | 43.66M | 22.74M |
| EBITDA | 14.35M | 13.79M | 15.39M | 23.92M | 22.17M | 7.40M |
| Net Income | 8.70M | 7.14M | 10.62M | 16.85M | 15.70M | 4.63M |
Balance Sheet | ||||||
| Total Assets | 1.45B | 1.40B | 1.23B | 1.12B | 968.42M | 766.70M |
| Cash, Cash Equivalents and Short-Term Investments | 12.66M | 168.36M | 148.82M | 172.58M | 186.60M | 163.81M |
| Total Debt | 20.00M | 50.68M | 50.63M | 50.57M | 25.51M | 30.43M |
| Total Liabilities | 1.32B | 1.30B | 1.13B | 1.04B | 891.76M | 703.91M |
| Stockholders Equity | 135.17M | 101.00M | 95.23M | 84.88M | 76.66M | 62.79M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.05M | 13.21M | 23.71M | 20.22M | 7.22M |
| Operating Cash Flow | 0.00 | 8.08M | 14.94M | 24.43M | 20.46M | 7.62M |
| Investing Cash Flow | 0.00 | -150.27M | -88.98M | -166.87M | -250.84M | -202.99M |
| Financing Cash Flow | 0.00 | 162.22M | 85.32M | 143.36M | 183.87M | 220.33M |
US Metro Bank Technical Analysis
Negative
4.82
Price Trends
4.77
Negative
4.68
Negative
4.16
Positive
Market Momentum
0.01
Positive
43.65
Neutral
38.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USMT, the sentiment is Negative. The current price of 4.82 is above the 20-day moving average (MA) of 4.78, above the 50-day MA of 4.77, and above the 200-day MA of 4.16, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 43.65 is Neutral, neither overbought nor oversold. The STOCH value of 38.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for USMT.
US Metro Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $9.50M | 8.38 | 15.40% | 2.55% | -3.90% | -4.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | $31.62M | 168.16 | 0.38% | ― | 19.55% | ― | |
49 Neutral | $13.66M | 446.73 | 0.17% | 2.09% | 8.99% | -94.06% | |
38 Underperform | $11.16M | 2.00 | -515.18% | ― | -35.31% | -1227.86% |
* Financial Sector Average
USMT
US Metro Bank
4.82
0.99
25.85%
CARV
Carver Bancorp
2.71
0.96
54.86%
GLBZ
Glen Burnie Bancorp
4.82
-0.72
-13.00%
KFFB
Kentucky First Federal Bancorp
3.86
0.70
22.15%
PBBK
PB Bankshares
19.77
4.57
30.07%
SHFS
SHF Holdings
3.29
-5.79
-63.77%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.