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Metropolitan Bank Holding
(NYSE:MCB)
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Rating:71Outperform
Price Target:
$98.00
▲(7.95% Upside)
Action:Upgraded
Date:10/21/26
The score is driven primarily by solid underlying financial quality (strong balance sheet deleveraging and good cash conversion) and a constructive earnings outlook from management despite near-term margin/rate headwinds. Valuation is supportive at a ~11x P/E, while technicals are the main offset due to weaker momentum versus key moving averages and a negative MACD.
Positive Factors
Capital and credit quality
Strong capital, liquidity, and underwriting provide a durable foundation for continued balance-sheet expansion while reducing vulnerability to credit losses. Non-performing loans below 1% and regulatory capital well above minimums support confidence in the bank’s resilience through changing economic conditions.
Negative Factors
Revenue and margin compression
The sharp TTM revenue decline and weaker operating margin indicate that recent growth has not translated consistently into operating leverage. If this deterioration persists, it could constrain earnings expansion, reduce internal capital generation, and make future performance more dependent on favorable funding or credit conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital and credit quality
Strong capital, liquidity, and underwriting provide a durable foundation for continued balance-sheet expansion while reducing vulnerability to credit losses. Non-performing loans below 1% and regulatory capital well above minimums support confidence in the bank’s resilience through changing economic conditions.
Read all positive factors
Metropolitan Bank Holding (MCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.19B
Dividend Yield0.98%
Average Volume (3M)148.50K
Price to Earnings (P/E)9.7
Beta (1Y)0.88
Revenue Growth11.92%
EPS Growth70.43%
CountryUS
Employees326
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)9.94
Shares Outstanding12,285,553
10 Day Avg. Volume185,991
30 Day Avg. Volume148,500
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)1.09
Price to Sales (P/S)1.53
P/FCF Ratio9.82
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue2.58
Enterprise Value/Gross Profit4.83
Enterprise Value/Ebitda12.86
Forecast
1Y Price Target
$108.50Price Target Upside19.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)9.58
Revenue Forecast (FY)$381.67M
Metropolitan Bank Holding Business Overview & Revenue Model
Company Description
Metropolitan Bank Holding Corp. acts as the parent organization for Metropolitan Commercial Bank, which provides a wide array of business, commercial, and personal banking offerings. This institution serves a diverse clientele, including small and...
How the Company Makes Money
MCB primarily makes money through traditional banking activities conducted by its bank subsidiary. The core earnings engine is net interest income: the bank pays interest (and incurs other funding costs) on deposits and other borrowings, and earns...
Metropolitan Bank Holding Earnings Call Summary
Earnings Call Date:Oct 20, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 21, 2027
Earnings Call Sentiment Positive
The call was strongly positive overall. Management reported strong earnings, loan and deposit growth, improving credit performance, lower expenses, margin expansion, a dividend increase, and progress across AI, payments, branch expansion, tax credits, and share repurchases. The principal challenges were expected fourth-quarter NIM pressure, rate sensitivity, higher deposit-related fees, potential moderation in EB-5 deposit growth, and timing uncertainty for one gaming operator.Positive Updates
Strong Third-Quarter Earnings and Margin Expansion
Diluted earnings per share were $2.58. Net interest margin expanded to 4.36%, while net interest income increased nearly 8% from the prior quarter and more than 25% from a year ago, driven by quality loan growth and lower funding costs.
Negative Updates
Expected Fourth-Quarter Net Interest Margin Decline
Although reported third-quarter NIM was 4.36%, management said normalized NIM would have been approximately 4.20%-4.25% after adjusting for elevated prepayment penalties and deferred fee recognition. Assuming a single December rate hike, fourth-quarter NIM is expected to decline by about 5 basis points to approximately 4.15%-4.20%.
Read all updates
Q3-2026 Updates
Positive
Negative
Strong Third-Quarter Earnings and Margin Expansion
Diluted earnings per share were $2.58. Net interest margin expanded to 4.36%, while net interest income increased nearly 8% from the prior quarter and more than 25% from a year ago, driven by quality loan growth and lower funding costs.
Read all positive updates
Company Guidance
Management expects $1 billion in loan growth for the year, with loan growth very close to $1 billion, deposit gathering to exceed loan growth, and $400 million of short-term investments available to fund Q4 growth; assuming a single hike in December, fourth-quarter NIM is forecast at approximately 4.15%-4.20%, while more than 20% net interest income growth is forecast for the full year, deposit-related fees are estimated to be about 25% higher than the Q3 result, and the effective beta within the current forecast model for 2027 is 65%, or probably closer to 75% excluding $1 billion worth of swaps; seasonal municipal deposits are expected to flow back in this quarter, two gaming operators will be in testing in the next 30 to 45 days with the platform hopefully live in the first quarter of next year, fee income is expected to receive a meaningful uplift beginning in the back half of 2027, and management is hopeful that 2027 expense growth will be lower year-over-year.Metropolitan Bank Holding Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 435.15M | 527.15M | 492.21M | 403.31M | 287.33M | 196.98M |
| Gross Profit | 232.04M | 277.51M | 270.66M | 238.46M | 245.63M | 176.88M |
| EBITDA | 87.16M | 90.46M | 85.67M | 114.06M | 106.61M | 94.63M |
| Net Income | 111.94M | 71.10M | 66.69M | 77.27M | 59.42M | 60.55M |
Balance Sheet | ||||||
| Total Assets | 9.47B | 8.26B | 7.30B | 7.07B | 6.27B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 1.73B | 944.64M | 267.16M | 269.46M | 257.42M | 2.93B |
| Total Debt | 36.53M | 10.97M | 457.44M | 546.59M | 257.73M | 57.17M |
| Total Liabilities | 8.50B | 7.51B | 6.57B | 6.41B | 5.69B | 6.56B |
| Stockholders Equity | 974.68M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
Cash Flow | ||||||
| Free Cash Flow | 68.18M | 82.42M | 145.83M | 36.68M | 66.65M | 33.28M |
| Operating Cash Flow | 74.99M | 88.68M | 148.46M | 42.43M | 85.89M | 37.28M |
| Investing Cash Flow | -748.53M | -762.96M | -369.61M | -775.45M | -1.23B | -1.30B |
| Financing Cash Flow | 526.86M | 867.60M | 151.96M | 745.07M | -958.47M | 2.76B |
Metropolitan Bank Holding Technical Analysis
Positive
90.78
Price Trends
90.15
Positive
92.60
Positive
89.88
Positive
Market Momentum
1.88
Negative
70.82
Negative
87.91
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCB, the sentiment is Positive. The current price of 90.78 is above the 20-day moving average (MA) of 89.99, above the 50-day MA of 90.15, and above the 200-day MA of 89.88, indicating a bullish trend. The MACD of 1.88 indicates Negative momentum. The RSI at 70.82 is Negative, neither overbought nor oversold. The STOCH value of 87.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCB.
Metropolitan Bank Holding Risk Analysis
Metropolitan Bank Holding disclosed 37 risk factors in its most recent earnings report. Metropolitan Bank Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Metropolitan Bank Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.27B | 9.71 | 16.84% | 2.99% | -0.13% | 9.53% | |
76 Outperform | $969.53M | 10.69 | 11.30% | 3.39% | 2.74% | 27.25% | |
71 Outperform | $1.19B | 9.72 | 12.32% | 0.98% | 11.92% | 70.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.16B | 17.38 | 8.03% | 1.20% | -8.09% | 6.96% | |
64 Neutral | $1.03B | 11.63 | 15.47% | 3.02% | 24.59% | 17.46% | |
57 Neutral | $1.01B | 18.77 | 4.65% | 0.12% | -11.03% | ― |
* Financial Sector Average
MCB
Metropolitan Bank Holding
96.62
30.50
46.13%
EGBN
Eagle Bancorp
33.04
16.41
98.67%
HAFC
Hanmi Financial
32.70
6.80
26.26%
PFBC
Preferred Bank
107.08
19.43
22.17%
AMTB
Amerant Bancorp
29.65
13.19
80.12%
MCBS
MetroCity Bankshares
35.82
11.01
44.38%
Metropolitan Bank Holding Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Metropolitan Bank Holding Reports Strong Third-Quarter 2026 Results
Positive
Oct 20, 2026
Metropolitan Bank Holding Corp. reported strong third-quarter 2026 results on October 20, 2026, with net income rising to $32.4 million, or $2.58 per diluted share, up sharply from both the prior quarter and the same period in 2025. The company...
Business Operations and StrategyDividends
Metropolitan Bank Holding Raises Quarterly Dividend Payout
Positive
Oct 19, 2026
On October 19, 2026, Metropolitan Bank Holding Corp.’s board of directors approved an increase in the company’s quarterly cash dividend on common stock to $0.40 per share, up from $0.35. The dividend will be paid on November 10, 2026, ...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Metropolitan Bank Holding boosts dividend, share repurchases
Positive
Jul 21, 2026
Metropolitan Bank Holding Corp. reported second-quarter 2026 net income of $19.2 million, or $1.54 per diluted share, down from $31.4 million in the prior quarter but slightly above the year-earlier period, as earnings strength was tempered by a $...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.