US Metro Bank (USMT)
OTHER OTC:USMT
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US Metro Bank
(OTC:USMT)
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Rating:69Neutral
Price Target:
$6.50
▲(22.18% Upside)
Action:ReiteratedDate:10/25/25
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.
Positive Factors
Diversified revenue streams
US 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.
Negative Factors
Declining profitability margins
Material 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue streams
US 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.
Read all positive factors
US Metro Bank (USMT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.59M
Dividend Yield2.34%
Average Volume (3M)2.32K
Price to Earnings (P/E)6.9
Beta (1Y)0.16
Revenue Growth-46.97%
EPS Growth12.31%
CountryUS
Employees151
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.14
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 Cap2.07
Enterprise Value/Revenue0.23
Enterprise Value/Gross Profit0.44
Enterprise Value/Ebitda1.75
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
US Metro Bank Business Overview & Revenue Model
Company Description
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 certi...
How the Company Makes Money
US Metro Bank generates revenue through several key streams, primarily through interest income from loans and mortgages issued to customers. The bank charges interest on personal loans, business loans, and home mortgages, which constitutes a signi...
US Metro Bank Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.66M | 93.72M | 79.64M | 58.15M | 50.63M | 32.67M |
| Gross Profit | 49.25M | 45.34M | 45.60M | 49.59M | 43.66M | 22.74M |
| EBITDA | 12.54M | 13.79M | 17.62M | 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
Positive
5.32
Price Trends
5.39
Negative
5.28
Positive
5.01
Positive
Market Momentum
-0.02
Positive
50.65
Neutral
37.82
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USMT, the sentiment is Positive. The current price of 5.32 is below the 20-day moving average (MA) of 5.34, below the 50-day MA of 5.39, and above the 200-day MA of 5.01, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 50.65 is Neutral, neither overbought nor oversold. The STOCH value of 37.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | $10.59M | 6.95 | 15.40% | 2.34% | -46.97% | 12.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $34.69M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $14.18M | -427.49 | 0.09% | ― | 5.76% | -72.73% | |
43 Neutral | $2.43M | 424.54 | -229.75% | ― | -42.15% | -1001.66% |
* Financial Sector Average
USMT
US Metro Bank
5.35
2.08
63.51%
CARV
Carver Bancorp
1.79
0.39
27.86%
GLBZ
Glen Burnie Bancorp
4.86
-0.48
-9.08%
KFFB
Kentucky First Federal Bancorp
4.29
1.47
52.13%
SHFS
SHF Holdings
0.79
-1.39
-63.81%
MBBC
Marathon Bancorp
14.15
4.32
43.95%
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.