(MCB) Metropolitan Bank Holding - Ratings and Ratios
Business Banking, Deposit Accounts, Commercial Loans, Treasury Management, Digital Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.44% |
| Yield on Cost 5y | 1.22% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 5.9% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 60.4% |
| Value at Risk 5%th | 83.0% |
| Relative Tail Risk | -16.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.91 |
| Alpha | 32.18 |
| CAGR/Max DD | 0.22 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.546 |
| Beta | 0.915 |
| Beta Downside | 0.940 |
| Drawdowns 3y | |
|---|---|
| Max DD | 67.23% |
| Mean DD | 20.94% |
| Median DD | 16.59% |
Description: MCB Metropolitan Bank Holding January 26, 2026
Metropolitan Bank Holding Corp. (NYSE: MCB) is the parent of Metropolitan Commercial Bank, a full-service regional bank headquartered in New York. It delivers a suite of deposit products (checking, savings, money-market, term and demand deposits) and a broad array of loan offerings-including commercial-real-estate, multifamily, construction, residential (1-4-unit), C&I, consumer (notably purchased student loans), acquisition/renovation, owner-occupied, working-capital lines, trade finance, letters of credit, and term loans. The bank also provides cash-management, digital banking, ACH, remote-deposit capture, debit cards and merchant services to small businesses, middle-market firms, public entities, and individual customers.
According to the most recent Q3 2024 earnings release (filed 15 Oct 2024), MCB reported a net interest margin of 3.45% (down 5 bps YoY) and total loans of $5.2 billion, reflecting a 2.8% quarterly increase driven primarily by commercial-real-estate and construction financing. Deposits grew 3.1% to $6.4 billion, supported by higher consumer savings rates amid the Federal Reserve’s policy rate range of 5.25-5.50%. The bank’s Common Equity Tier 1 (CET1) ratio stood at 12.3%, comfortably above the 8% regulatory minimum but modest relative to the sector median of 13.5%. Regional-bank fundamentals remain sensitive to the trajectory of interest rates and credit-quality trends, with the FDIC’s latest stress-test indicating a 5% probability of a material loss event for banks of MCB’s size under a prolonged high-rate scenario.
For a deeper, data-driven view of MCB’s valuation dynamics, you may find it useful to explore the analytics platform ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 71.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.22 > 1.0 |
| NWC/Revenue: -1230 % < 20% (prev -1161 %; Δ -68.32% < -1%) |
| CFO/TA 0.02 > 3% & CFO 141.3m > Net Income 71.1m |
| Net Debt (-12.1m) to EBITDA (94.7m): -0.13 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.4m) vs 12m ago -8.51% < -2% |
| Gross Margin: 52.64% > 18% (prev 0.55%; Δ 5209 % > 0.5%) |
| Asset Turnover: 6.78% > 50% (prev 6.74%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 94.7m / Interest Expense TTM 212.0m) |
Altman Z'' -4.82
| A: -0.79 (Total Current Assets 591.0m - Total Current Liabilities 7.07b) / Total Assets 8.26b |
| B: 0.05 (Retained Earnings 450.6m / Total Assets 8.26b) |
| C: 0.01 (EBIT TTM 113.7m / Avg Total Assets 7.78b) |
| D: 0.05 (Book Value of Equity 411.0m / Total Liabilities 7.51b) |
| Altman-Z'' Score: -4.82 = D |
Beneish M
| DSRI: none (Receivables none/none, Revenue 527.1m/492.2m) |
| GMI: 1.04 (GM 52.64% / 54.99%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.07 (Revenue 527.1m / 492.2m) |
| TATA: -0.01 (NI 71.1m - CFO 141.3m) / TA 8.26b) |
| Beneish M-Score: cannot calculate (missing components) |
ValueRay F-Score (Strict, 0-100) 69.92
| 1. Piotroski: 5.0pt |
| 2. FCF Yield: 21.85% |
| 3. FCF Margin: 25.96% |
| 4. Debt/Equity: 0.39 |
| 5. Debt/Ebitda: -0.13 |
| 6. ROIC - WACC: -2.10% |
| 7. RoE: 9.69% |
| 8. Revenue Trend: 93.30% |
| 9. EPS Trend: -33.37% |
What is the price of MCB shares?
Over the past week, the price has changed by +11.48%, over one month by +13.36%, over three months by +29.24% and over the past year by +38.54%.
Is MCB a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MCB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 100.3 | 13% |
| Analysts Target Price | 100.3 | 13% |
| ValueRay Target Price | 93.4 | 5.2% |
MCB Fundamental Data Overview January 25, 2026
P/S = 3.333
P/B = 1.2194
Revenue TTM = 527.1m USD
EBIT TTM = 113.7m USD
EBITDA TTM = 94.7m USD
Long Term Debt = 31.6m USD (from longTermDebt, last quarter)
Short Term Debt = 275.0m USD (from shortTermDebt, two quarters ago)
Debt = 292.4m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -12.1m USD (from netDebt column, last quarter)
Enterprise Value = 626.3m USD (925.0m + Debt 292.4m - CCE 591.0m)
Interest Coverage Ratio = 0.54 (Ebit TTM 113.7m / Interest Expense TTM 212.0m)
EV/FCF = 4.58x (Enterprise Value 626.3m / FCF TTM 136.8m)
FCF Yield = 21.85% (FCF TTM 136.8m / Enterprise Value 626.3m)
FCF Margin = 25.96% (FCF TTM 136.8m / Revenue TTM 527.1m)
Net Margin = 13.49% (Net Income TTM 71.1m / Revenue TTM 527.1m)
Gross Margin = 52.64% ((Revenue TTM 527.1m - Cost of Revenue TTM 249.6m) / Revenue TTM)
Gross Margin QoQ = 60.88% (prev 41.61%)
Tobins Q-Ratio = 0.08 (Enterprise Value 626.3m / Total Assets 8.26b)
Interest Expense / Debt = 17.83% (Interest Expense 52.1m / Debt 292.4m)
Taxrate = 29.93% (12.3m / 41.2m)
NOPAT = 79.7m (EBIT 113.7m * (1 - 29.93%))
Current Ratio = 0.08 (Total Current Assets 591.0m / Total Current Liabilities 7.07b)
Debt / Equity = 0.39 (Debt 292.4m / totalStockholderEquity, last quarter 743.1m)
Debt / EBITDA = -0.13 (Net Debt -12.1m / EBITDA 94.7m)
Debt / FCF = -0.09 (Net Debt -12.1m / FCF TTM 136.8m)
Total Stockholder Equity = 734.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.91% (Net Income 71.1m / Total Assets 8.26b)
RoE = 9.69% (Net Income TTM 71.1m / Total Stockholder Equity 734.0m)
RoCE = 14.85% (EBIT 113.7m / Capital Employed (Equity 734.0m + L.T.Debt 31.6m))
RoIC = 7.96% (NOPAT 79.7m / Invested Capital 1.00b)
WACC = 10.06% (E(925.0m)/V(1.22b) * Re(9.29%) + D(292.4m)/V(1.22b) * Rd(17.83%) * (1-Tc(0.30)))
Discount Rate = 9.29% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 74.87% ; FCFF base≈94.9m ; Y1≈117.1m ; Y5≈199.4m
Fair Price DCF = 236.1 (EV 2.37b - Net Debt -12.1m = Equity 2.38b / Shares 10.1m; r=10.06% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -33.37 | EPS CAGR: 13.35% | SUE: 0.96 | # QB: 1
Revenue Correlation: 93.30 | Revenue CAGR: 26.39% | SUE: 3.66 | # QB: 15
EPS next Quarter (2026-03-31): EPS=2.37 | Chg30d=+0.180 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=10.46 | Chg30d=+0.833 | Revisions Net=+1 | Growth EPS=+59.1% | Growth Revenue=+16.3%
EPS next Year (2027-12-31): EPS=11.77 | Chg30d=+0.963 | Revisions Net=+1 | Growth EPS=+12.5% | Growth Revenue=+9.3%
Additional Sources for MCB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle