US Metro Bank (USMT) AI Stock Analysis

• Market Cap: $9.29M
• Dividend Yield: 2.56%
• Average Volume (3M): 631.00
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.23
• Revenue Growth: -3.90%
• EPS Growth: -4.67%
• Country: US
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.18
• Shares Outstanding: 1,980,000
• 10 Day Avg. Volume: 320
• 30 Day Avg. Volume: 631
• PEG Ratio: -0.28
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 0.72
• P/FCF Ratio: 9.52
• Enterprise Value/Market Cap: 8.27
• Enterprise Value/Revenue: 0.80
• Enterprise Value/Gross Profit: 1.25
• Enterprise Value/Ebitda: 5.35
• 1Y Price Target: $5.00
• Price Target Upside: 6.61% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: $5.00 ▲(6.61% Upside)

US Metro Bank's overall score is driven by strong valuation metrics, indicating potential undervaluation, and a stable financial performance with significant revenue growth. However, technical indicators suggest weak momentum and bearish trends, which weigh down the score.

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 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 Money

US 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.

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.

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%.

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

• Technical Analysis Sentiment: Negative
• Last Price: 4.69
• 50DMA: Negative
• 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 USMT, the sentiment is Negative. The current price of 4.69 is below the 20-day moving average (MA) of 4.72, below the 50-day MA of 4.77, and above the 200-day MA of 4.06, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 40.05 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USMT	62 Neutral	$9.29M	8.16	15.40%	2.56%	-3.90%	-4.67%
KFFB	52 Neutral	$28.55M	158.30	―	―	19.55%	―
GLBZ	49 Neutral	$13.65M	436.92	0.16%	2.14%	8.99%	-94.06%
SHFS	45 Neutral	$21.61M	-0.38	393.22%	―	-35.31%	-1227.86%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%