MCB Stock Analysis: Metropolitan Bank Holding | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.118m USD | 12M Return: 26.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.7M
EPS Trend: 13.2%
Qual. Beats: -1
Rev. Trend: 65.5%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
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: 86.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.15 > 1.0 |
| NWC/Revenue: -1.68k% < 20% (prev -1.21k%; Δ -467.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 135.9m > Net Income 86.6m |
| Net Debt (-641.1m) to EBITDA (38.7m): -16.56 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.5m) vs 12m ago 7.91% < -2% |
| Gross Margin: 45.90% > 18% (prev 54.53%; Δ -8.63% > 0.5%) |
| Asset Turnover: 5.02% > 50% (prev 6.41%; Δ -1.38% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBIT TTM 51.4m / Interest Expense TTM 206.3m) |
| A: -0.80 (Total Current Assets 678.0m - Total Current Liabilities 7.73b) / Total Assets 8.86b |
| B: 0.06 (Retained Earnings 495.0m / Total Assets 8.86b) |
| C: 0.01 (EBIT TTM 51.4m / Avg Total Assets 8.36b) |
| D: 0.12 (Book Value of Equity 968.2m / Total Liabilities 7.89b) |
| Altman-Z'' = -4.87 = D |
As of July 28, 2026, the stock is trading at USD 91.23 with a total of 103,505 shares traded. Over the past week, the price has changed by -7.43%, over one month by -8.16%, over three months by +1.50% and over the past year by +26.17%.
Current recommended Stop Loss: 84.40 (which is 7.5% or 2.1 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 | 112.7 | 23.5% |
P/E Trailing = 12.2375
P/S = 3.5828
P/B = 1.2948
Revenue TTM = 419.5m USD
EBIT TTM = 51.4m USD
EBITDA TTM = 38.7m USD
Long Term Debt = 31.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = 5.38m USD (from shortTermDebt, last fiscal year)
Debt = 37.0m USD (corrected: LT Debt 31.6m + ST Debt 5.38m)
Net Debt = -641.1m USD (calculated: Debt 37.0m - CCE 678.0m)
Enterprise Value = 476.8m USD (1.12b + Debt 37.0m - CCE 678.0m)
Interest Coverage Ratio = 0.25 (Ebit TTM 51.4m / Interest Expense TTM 206.3m)
EV/FCF = 3.69x (Enterprise Value 476.8m / FCF TTM 129.2m)
FCF Yield = 27.10% (FCF TTM 129.2m / Enterprise Value 476.8m)
FCF Margin = 30.80% (FCF TTM 129.2m / Revenue TTM 419.5m)
Net Margin = 20.65% (Net Income TTM 86.6m / Revenue TTM 419.5m)
Gross Margin = 45.90% ((Revenue TTM 419.5m - Cost of Revenue TTM 227.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 66.02%)
Tobins Q-Ratio = 0.05 (Enterprise Value 476.8m / Total Assets 8.86b)
Interest Expense / Debt = 558.1% (Interest Expense 206.3m / Debt 37.0m)
Taxrate = 29.94% (37.0m / 123.6m)
NOPAT = 36.0m (EBIT 51.4m * (1 - 29.94%))
Current Ratio = 0.09 (Total Current Assets 678.0m / Total Current Liabilities 7.73b)
Debt / Equity = 0.04 (Debt 37.0m / totalStockholderEquity, last quarter 968.2m)
Debt / EBITDA = -16.56 (Net Debt -641.1m / EBITDA 38.7m)
Debt / FCF = -4.96 (Net Debt -641.1m / FCF TTM 129.2m)
Total Stockholder Equity = 847.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.04% (Net Income 86.6m / Total Assets 8.86b)
RoE = 10.22% (Net Income TTM 86.6m / Total Stockholder Equity 847.9m)
RoCE = 5.84% (EBIT 51.4m / Capital Employed (Equity 847.9m + L.T.Debt 31.6m))
RoIC = 3.24% (NOPAT 36.0m / Invested Capital 1.11b)
WACC = 9.40% (E(1.12b)/V(1.15b) * Re(9.71%) + (debt cost/tax rate unavailable))
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -33.94 | Cagr: 1.54%
[DCF] Terminal Value 72.15% ; FCFF base≈128.1m ; Y1≈130.9m ; Y5≈143.6m
[DCF] Fair Price = 204.0 (EV 1.89b - Net Debt -641.1m = Equity 2.53b / Shares 12.4m; r=9.40% [WACC]; 5y FCF grow 2.12% → 2.50% )
EPS Correlation: 13.23 | EPS CAGR: 1.68% | SUE: -1.22 | # QB: -1
Revenue Correlation: 65.52 | Revenue CAGR: 8.58% | SUE: -1.15 | # QB: -1
EPS current Quarter (2026-09-30): EPS=2.64 | Chg30d=+5.10% | Revisions=+40% | Analysts=2
EPS current Year (2026-12-31): EPS=10.47 | Chg30d=+0.71% | Revisions=+40% | GrowthEPS=+59.3% | GrowthRev=+20.2%
EPS next Year (2027-12-31): EPS=11.65 | Chg30d=-1.59% | Revisions=+40% | GrowthEPS=+11.2% | GrowthRev=+14.0%
[Analyst] Revisions Ratio: +67% (up=6, down=0)