MCB Stock Analysis: Metropolitan Bank Holding | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.221m USD | 12M Return: 32.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.8M
EPS Trend: -29.5%
Qual. Beats: 2
Rev. Trend: 95.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 8.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Metropolitan Bank Holding Corp. (NYSE: MCB) operates as the holding company for Metropolitan Commercial Bank, a New York-based regional bank serving small businesses, middle-market enterprises, public entities, and individuals. Listed in the Financials sector (Regional Banks sub-industry), the company completed its IPO in November 2017 and operates under standard U.S. bank holding company oversight.
Deposit products include checking, savings, money market, non-interest-bearing demand, and other time deposits. The lending portfolio spans commercial real estate, multi-family, construction, one-to-four-family residential, commercial and industrial loans, consumer loans (including purchased student loans), acquisition and renovation financing, working capital lines of credit, trade finance, letters of credit, and term loans.
The bank also provides cash management, online and mobile banking, ACH, remote deposit capture, debit cards (including third-party card programs), and merchant services. Notably, Metropolitan Commercial Bank has established a presence in the Banking-as-a-Service (BaaS) segment, supplying embedded deposit and payment infrastructure to fintech partners - a model that has become a notable differentiator for some U.S. regional banks focused on fee-based, non-interest income.
The company was incorporated in 1997 and was previously named Metbank
- BaaS payments revenue drives deposit growth and fee income
- Net interest margin compresses on rising deposit costs
- Commercial real estate loan losses pressure credit provisions
| Net Income: 86.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -1.36k% < 20% (prev -1.25k%; Δ -107.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 135.9m > Net Income 86.2m |
| Net Debt (24.6m) to EBITDA (109.9m): 0.22 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.8m) vs 12m ago -4.65% < -2% |
| Gross Margin: 55.73% > 18% (prev 54.63%; Δ 1.11% > 0.5%) |
| Asset Turnover: 6.59% > 50% (prev 6.50%; Δ 0.09% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 122.5m / Interest Expense TTM 209.2m) |
| A: -0.83 (Total Current Assets 12.0m - Total Current Liabilities 7.38b) / Total Assets 8.84b |
| B: 0.05 (Retained Earnings 479.2m / Total Assets 8.84b) |
| C: 0.01 (EBIT TTM 122.5m / Avg Total Assets 8.23b) |
| D: 0.12 (Book Value of Equity 948.3m / Total Liabilities 7.90b) |
| Altman-Z'' = -5.06 = D |
As of July 08, 2026, the stock is trading at USD 97.07 with a total of 119,420 shares traded. Over the past week, the price has changed by -2.29%, over one month by +5.82%, over three months by +13.48% and over the past year by +32.09%.
Current recommended Stop Loss: 93.80 (which is 3.4% or 1.2 ATR below the current price).
Metropolitan Bank Holding has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy MCB.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 104.7 | 7.8% |
P/E Trailing = 12.1792
P/S = 4.041
P/B = 1.2878
Revenue TTM = 542.3m USD
EBIT TTM = 122.5m USD
EBITDA TTM = 109.9m USD
Long Term Debt = 16.0m USD (from longTermDebt, last quarter)
Short Term Debt = 5.38m USD (from shortTermDebt, last fiscal year)
Debt = 36.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 24.6m USD (calculated: Debt 36.6m - CCE 12.0m)
Enterprise Value = 1.25b USD (1.22b + Debt 36.6m - CCE 12.0m)
Interest Coverage Ratio = 0.59 (Ebit TTM 122.5m / Interest Expense TTM 209.2m)
EV/FCF = 9.64x (Enterprise Value 1.25b / FCF TTM 129.2m)
FCF Yield = 10.37% (FCF TTM 129.2m / Enterprise Value 1.25b)
FCF Margin = 23.83% (FCF TTM 129.2m / Revenue TTM 542.3m)
Net Margin = 15.89% (Net Income TTM 86.2m / Revenue TTM 542.3m)
Gross Margin = 55.73% ((Revenue TTM 542.3m - Cost of Revenue TTM 240.0m) / Revenue TTM)
Gross Margin QoQ = 66.02% (prev 60.88%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.25b / Total Assets 8.84b)
Interest Expense / Debt = 571.8% (Interest Expense 209.2m / Debt 36.6m)
Taxrate = 29.68% (36.4m / 122.5m)
NOPAT = 86.2m (EBIT 122.5m * (1 - 29.68%))
Current Ratio = 0.00 (Total Current Assets 12.0m / Total Current Liabilities 7.38b)
Debt / Equity = 0.04 (Debt 36.6m / totalStockholderEquity, last quarter 948.3m)
Debt / EBITDA = 0.22 (Net Debt 24.6m / EBITDA 109.9m)
Debt / FCF = 0.19 (Net Debt 24.6m / FCF TTM 129.2m)
Total Stockholder Equity = 786.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 86.2m / Total Assets 8.84b)
RoE = 10.95% (Net Income TTM 86.2m / Total Stockholder Equity 786.6m)
RoCE = 15.27% (EBIT 122.5m / Capital Employed (Equity 786.6m + L.T.Debt 16.0m))
RoIC = 5.90% (NOPAT 86.2m / Invested Capital 1.46b)
WACC = 9.10% (E(1.22b)/V(1.26b) * Re(9.37%) + (debt cost/tax rate unavailable))
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -46.67 | Cagr: -2.42%
[DCF] Terminal Value 73.15% ; FCFF base≈128.1m ; Y1≈130.9m ; Y5≈143.6m
[DCF] Fair Price = 157.3 (EV 1.97b - Net Debt 24.6m = Equity 1.95b / Shares 12.4m; r=9.10% [WACC]; 5y FCF grow 2.12% → 2.50% )
EPS Correlation: -29.50 | EPS CAGR: -3.78% | SUE: 1.04 | # QB: 2
Revenue Correlation: 95.47 | Revenue CAGR: 15.78% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.31 | Chg30d=-0.88% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.51 | Chg30d=+2.20% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=10.40 | Chg30d=+9.17% | Revisions=+40% | GrowthEPS=+58.1% | GrowthRev=+21.0%
EPS next Year (2027-12-31): EPS=11.84 | Chg30d=+2.06% | Revisions=+40% | GrowthEPS=+13.9% | GrowthRev=+15.3%
[Analyst] Revisions Ratio: +55% (up=7, down=1)