(MCB) Metropolitan Bank Holding - Overview

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US5917741044

Stock: Checking, Savings, Loans, Treasury, Cards

Total Rating 66

Risk 90

Buy Signal 1.38

Banks - Regional » Regional Banks
Age: 8.3y

Market Cap: 954m
Avg Trading Vol: 10.9M USD

ATR: 3.82%
Peers RS (IBD): 96.50

EPS (Earnings per Share)

EPS CAGR: 13.35%
EPS Trend: -33.4%

Last SUE: 0.96
Qual. Beats: 1

Revenue

Rev. CAGR: 26.39%
Rev. Trend: 93.3%

Last SUE: 3.66
Qual. Beats: 15

Dividends

Dividend Yield	0.66%
Yield on Cost 5y	1.06%
Yield CAGR 5y	0.00%
Payout Consistency	100.0%
Payout Ratio	7.6%

Risk 5d forecast
Volatility	44.2%
Relative Tail Risk	-15.4%

Reward TTM
Sharpe Ratio	1.16
Alpha	35.36

Character TTM
Beta	0.899
Beta Downside	0.916

Drawdowns 3y
Max DD	67.23%
CAGR/Max DD	0.28

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

What is the price of MCB shares?

As of February 08, 2026, the stock is trading at USD 96.39 with a total of 59,353 shares traded.
Over the past week, the price has changed by +4.09%, over one month by +21.46%, over three months by +47.18% and over the past year by +48.22%.

Is MCB a buy, sell or hold?

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

What are the forecasts/targets for the MCB price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	100.3	4.1%
Analysts Target Price	100.3	4.1%
ValueRay Target Price	102.7	6.5%

MCB Fundamental Data Overview February 02, 2026

P/E Trailing = 13.8831
P/S = 3.4362
P/B = 1.249
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 = 654.9m USD (953.6m + Debt 292.4m - CCE 591.0m)
Interest Coverage Ratio = 0.54 (Ebit TTM 113.7m / Interest Expense TTM 212.0m)
EV/FCF = 4.79x (Enterprise Value 654.9m / FCF TTM 136.8m)
FCF Yield = 20.89% (FCF TTM 136.8m / Enterprise Value 654.9m)
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 654.9m / 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 = 10.00% (E(953.6m)/V(1.25b) * Re(9.23%) + D(292.4m)/V(1.25b) * Rd(17.83%) * (1-Tc(0.30)))
Discount Rate = 9.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.26%
[DCF Debug] Terminal Value 75.06% ; FCFF base≈94.9m ; Y1≈117.1m ; Y5≈199.4m
Fair Price DCF = 238.3 (EV 2.39b - Net Debt -12.1m = Equity 2.40b / Shares 10.1m; r=10.00% [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=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=10.46 | Chg30d=+0.833 | Revisions Net=+2 | Growth EPS=+59.1% | Growth Revenue=+16.3%
EPS next Year (2027-12-31): EPS=11.77 | Chg30d=+0.963 | Revisions Net=+2 | Growth EPS=+12.5% | Growth Revenue=+9.3%

Additional Sources for MCB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle