(MCB) Metropolitan Bank Holding - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.080m USD | Total Return: 44% in 12m
Avg Turnover: 8.41M
EPS Trend: -29.5%
Qual. Beats: 2
Rev. Trend: 95.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Metropolitan Bank Holding Corp. (NYSE: MCB) functions as the parent entity for Metropolitan Commercial Bank, a New York-based institution serving small-to-middle market enterprises, public entities, and individuals. The company’s portfolio includes diverse deposit products and a lending suite focused on commercial real estate, multi-family housing, and industrial credit lines. Beyond traditional lending, the bank provides specialized services such as cash management, trade finance, and third-party debit card solutions.
Operating within the regional banking sector, MCB relies on a spread-based business model where profitability is largely driven by the net interest margin between loan yields and deposit costs. Regional banks in the New York metropolitan area often face high competition for low-cost deposits while managing concentrated exposure to urban real estate markets. Reviewing the company’s latest financial filings on ValueRay can provide deeper insights into its current valuation and risk profile.
The company also maintains a significant presence in the payments infrastructure space, facilitating merchant services and electronic fund transfers. This diversification into fee-based services allows the bank to supplement interest income with non-interest revenue streams from digital banking and debit card processing.
- Commercial real estate loan concentration exposes balance sheet to urban property valuation risks
- Net interest margin fluctuates based on Federal Reserve benchmark interest rate movements
- Expansion of Global Payments group drives non-interest income through BaaS partnerships
- Regulatory scrutiny of fintech deposits impacts cost of funds and compliance expenses
- Shift toward commercial and industrial lending diversifies revenue away from property markets
| 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 0.55%; Δ 5.52k% > 0.5%) |
| Asset Turnover: 6.59% > 50% (prev 6.50%; Δ 0.09% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 109.9m / 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: 0.06 (Book Value of Equity 440.1m / Total Liabilities 7.90b) |
| Altman-Z'' = -5.13 = D |
As of May 24, 2026, the stock is trading at USD 91.30 with a total of 72,894 shares traded.
Over the past week, the price has changed by +4.68%,
over one month by +4.38%,
over three months by +1.97% and
over the past year by +43.95%.
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 | 14.6% |
P/S = 3.5734
P/B = 1.183
Revenue TTM = 542.3m USD
EBIT TTM = 122.5m USD
EBITDA TTM = 109.9m USD
Long Term Debt = 31.6m USD (from longTermDebt, last fiscal year)
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 = 1.10b USD (1.08b + Debt 36.6m - CCE 12.0m)
Interest Coverage Ratio = 0.59 (Ebit TTM 122.5m / Interest Expense TTM 209.2m)
EV/FCF = 8.55x (Enterprise Value 1.10b / FCF TTM 129.2m)
FCF Yield = 11.70% (FCF TTM 129.2m / Enterprise Value 1.10b)
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 = 0.12 (Enterprise Value 1.10b / Total Assets 8.84b)
Interest Expense / Debt = 571.8% (Interest Expense 209.2m / Debt 36.6m)
Taxrate = 29.20% (13.0m / 44.4m)
NOPAT = 86.7m (EBIT 122.5m * (1 - 29.20%))
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 = 14.98% (EBIT 122.5m / Capital Employed (Equity 786.6m + L.T.Debt 31.6m))
RoIC = 5.94% (NOPAT 86.7m / Invested Capital 1.46b)
WACC = 9.59% (E(1.08b)/V(1.12b) * Re(9.91%) + (debt cost/tax rate unavailable))
Discount Rate = 9.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -46.67 | Cagr: -2.42%
[DCF] Terminal Value 71.54% ; FCFF base≈128.1m ; Y1≈130.9m ; Y5≈143.6m
[DCF] Fair Price = 146.3 (EV 1.84b - Net Debt 24.6m = Equity 1.81b / Shares 12.4m; r=9.59% [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=+33% | Analysts=3
EPS current Year (2026-12-31): EPS=10.40 | Chg30d=+9.17% | Revisions=+33% | GrowthEPS=+58.1% | GrowthRev=+21.0%
EPS next Year (2027-12-31): EPS=11.84 | Chg30d=+2.06% | Revisions=+33% | GrowthEPS=+13.9% | GrowthRev=+15.3%
[Analyst] Revisions Ratio: +33%