Metropolitan Bank Holding Corp. MCB R2K

Financial Services · Banks - Regional · United States

https://www.mcbankny.com

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services. It offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits. The company also provides lending products, including commercial real estate; multi-family; construction; one-to four-family real estate loans; commercial and industrial loans; consumer loans, including purchased student loans; acquisition and renovation loans; loans on owner-occupied properties; loans to refinance or return borrower equity; working capital lines of credit; trade finance; letters of credit; and term loans. In addition, it offers cash management services, online and mobile banking, ACH, remote deposit capture, and debit cards products, and third-part debit cards products, as well as merchant services. It serves small businesses, middle-market enterprises, public entities, and individuals. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

Market & Price

Market Cap

$1.11B

Current Price

$89.52

High / Low (52W)

$96.12 / $62.84

Beta

1.02

Valuation

Stock P/E

11.07

Industry PE

12.01

Forward P/E

7.56

PEG Ratio

Book Value

$76.53

Price to Book

1.17

P/S

3.67

EV/EBITDA

Dividend Yield

1.12%

Profitability & Returns

ROCE

ROE

10.22%

ROA

1.05%

Profit Margin

28.51%

Op Margin

50.93%

EPS (Latest Qtr)

$2.92

EPS (TTM)

$8.09

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$37.18M

Total Assets

$8.26B

Current Assets

Working Capital

Ownership

Promoter Holding

5.20%

Chg in Prom Hold

FII / Inst Holding

94.51%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$472.47M

Total Revenue (TTM)

$302.22M

EBITDA

Free Cash Flow

Operating Cash Flow

$135.94M

Shares Outstanding

12.39M

Gross Margin

0.00%

Payout Ratio

6.18%

Growth (CAGR)

Revenue 5Y

5.87%

Profit 5Y

6.16%

Revenue (YoY)

37.40%

Earnings (YoY)

101.40%

PROS

Excellent profit margin of 28.5%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MCB Metropolitan Bank Holding Corp. R2K	89.52	11.07	$1.11B	1.12%	-	10.22%	5.87%	6.16%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.64M	5.54M	5.90M	-	7.53M	7.07M	5.91M	-	6.95M	7.89M	6.58M	7.03M	6.15M	6.22M	66.40M	72.81M	75.48M	74.68M	81.69M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.82M	53.40M	54.69M	52.14M	49.02M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.36M	26.78M	10.18M	41.18M	44.39M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.01M	8.02M	3.06M	12.32M	12.96M
Net Income	1.66M	1.85M	1.45M	49.00K	2.55M	2.65M	3.85M	3.33M	6.29M	5.87M	7.11M	6.29M	8.53M	6.06M	7.68M	7.86M	6.10M	10.81M	10.78M	11.78M	12.12M	13.34M	16.21M	18.89M	19.02M	23.19M	24.95M	-7.74M	25.08M	15.56M	22.06M	16.20M	16.80M	12.27M	16.35M	18.77M	7.12M	28.86M	31.43M
Diluted EPS	0.53	0.58	-0.50	0.01	0.55	0.57	0.82	0.49	0.75	0.70	0.85	0.75	1.01	0.71	0.90	0.93	0.72	1.28	1.27	1.39	1.43	1.55	1.77	1.69	1.69	2.07	2.23	-0.71	2.25	1.37	1.97	1.46	1.50	1.08	1.45	1.76	0.67	2.77	2.92

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	13.67M	-	245.27M	237.63M	260.08M	291.08M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	31.58M	152.57M	215.29M	212.04M
Pretax Income	-	-	-	-	-	-	-	96.90M	106.92M	97.08M	101.51M
Tax Provision	-	-	-	-	-	-	-	37.47M	29.65M	30.39M	30.41M
Net Income	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	-	59.42M	77.27M	66.69M	71.10M
Diluted EPS	1.54	0.43	2.34	3.06	3.56	4.66	-	5.29	6.91	5.93	6.62

Compounded Sales Growth

5 Years:	5.87%
1 Year:	37.40%

Compounded Profit Growth

5 Years:	6.16%
1 Year:	101.40%

Stock Price Performance

1 Year:	+39.73%
6 Months:	+19.49%
3 Months:	+6.68%
1 Month:	+1.21%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.22B	1.76B	2.18B	3.36B	4.33B	-	6.27B	7.07B	7.30B	8.26B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	45.66M	65.65M	82.93M	261.23M	232.95M	389.22M	864.30M	-	257.42M	269.46M	200.27M	393.59M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	15.20M	-	-	-	-
Total Liabilities	-	-	1.11B	1.52B	1.92B	3.06B	3.99B	-	5.69B	6.41B	6.57B	7.51B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	257.73M	546.59M	457.44M	10.97M
Total Debt	-	-	-	-	-	-	-	-	257.73M	546.59M	457.44M	10.97M
Total Equity	58.74M	75.95M	109.49M	236.88M	264.40M	299.12M	340.79M	-	575.90M	659.02M	729.83M	743.11M
Shares Outstanding	-	-	-	-	-	-	-	-	10.95M	11.06M	11.20M	11.30M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	5.44M	14.56M	31.47M	27.06M	38.96M	87.27M	-	85.89M	42.43M	148.46M	88.68M
Investing Cash Flow	-187.07M	-233.66M	-366.62M	-454.57M	-1.01B	-489.04M	-	-1.23B	-775.45M	-369.61M	-762.96M
Financing Cash Flow	201.62M	236.39M	513.45M	399.23M	1.13B	876.85M	-	-958.47M	745.07M	151.96M	867.60M
Capital Expenditure	-1.73M	-1.18M	-2.21M	-1.96M	-	-	-	-19.25M	-5.75M	-2.63M	-6.26M
Free Cash Flow	3.71M	13.38M	29.26M	25.10M	-	-	-	66.65M	36.68M	145.83M	82.42M
Net Change in Cash	-	-	-	-	-	-	-	-2.10B	12.05M	-69.20M	193.32M
Share Buybacks	-	-	255.00K	-	-	-	-	-	-	-	73.47M
Dividends Paid	-	-	-	-	-	-	-	-	-	-	3.12M

Ratios (Annual)

Figures in %.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	288.7%	-	24.2%	32.5%	25.6%	24.4%
ROE %	5.6%	4.6%	5.2%	9.7%	10.1%	11.6%	-	10.3%	11.7%	9.1%	9.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

5.20%

Institutions

94.51%

Public Float

99.69%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	9.71%	1.20M	$107.70M
2	Blackrock Inc.	8.24%	1.02M	$91.40M
3	Patriot Financial Partners Gp II, L.P.	6.17%	764.88K	$68.47M
4	Adage Capital Partners GP L.L.C.	4.72%	584.63K	$52.34M
5	Vanguard Capital Management LLC	4.05%	501.56K	$44.90M
6	Dimensional Fund Advisors LP	3.71%	459.79K	$41.16M
7	State Street Corporation	3.09%	383.56K	$34.34M
8	Citadel Advisors Llc	3.04%	377.25K	$33.77M
9	UBS Group AG	2.74%	339.01K	$30.35M
10	American Century Companies Inc	2.67%	331.44K	$29.67M

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