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USMT Stock Chart & Stats
$5.32
$0.14(3.89%)
At close: 4:00 PM EST
$5.32
$0.14(3.89%)
Day’s Range― - ―
52-Week Range$4.65 - $6.16
Previous CloseN/A
Volume2.00K
Average Volume (3M)2.32K
Market Cap
$101.76M
Enterprise Value$96.25
Total Cash (Recent Filing)$15.79M
Total Debt (Recent Filing)$25.00M
Price to Earnings (P/E)8.5
Beta0.18
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.31%
Share Statistics
EPS (TTM)0.71
Shares Outstanding16,791,500
10 Day Avg. Volume5,372
30 Day Avg. Volume2,324
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.76
Price to Sales (P/S)0.82
P/FCF Ratio-31.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative, Improving LeverageA materially lower debt-to-equity (to ~0.16) and rising equity provide a durable capital buffer that reduces solvency risk, supports regulatory cushions, and gives management flexibility to expand lending or absorb shocks over the next several quarters without immediate external recapitalization.
Multi-year Revenue Growth And ScaleSustained top-line expansion over multiple years indicates successful customer acquisition and scale benefits. Growing revenue diversifies income sources and supports long-term investment in products, technology, and branches, which strengthens competitive position over the medium term.
Earnings Recovery In 2025A rebound in net income shows management can restore profitability even amid margin pressure. Consistent positive earnings create internal capital for reinvestment or dividends, improving funding flexibility and supporting strategic initiatives across the 2–6 month horizon.
Bears Say
Negative Operating And Free Cash FlowEarnings failing to convert to cash is a structural red flag: negative operating and free cash flow constrain loan growth, capital expenditures, and dividends without external financing. Persistent cash deficits would pressure liquidity and raise funding costs over time.
Material Margin Compression Versus Prior PeaksA sustained drop in net and operating margins materially reduces the bank's earning power per revenue dollar, limiting internal capital generation and making it harder to sustain returns without either raising risk, cutting costs, or materially increasing scale.
Lower Returns On EquityROE falling to mid-single digits weakens the firm's ability to convert equity into attractive investor returns and constrains organic capital growth. Over months this forces trade-offs between risk-taking to lift ROE or accepting slower capital accumulation and muted shareholder returns.
USMT FAQ
What was US Metro Bank’s price range in the past 12 months?
US Metro Bank lowest stock price was $4.65 and its highest was $6.16 in the past 12 months.
What is US Metro Bank’s market cap?
US Metro Bank’s market cap is $101.76M.
When is US Metro Bank’s upcoming earnings report date?
US Metro Bank’s upcoming earnings report date is Oct 23, 2026 which is in 88 days.
How were US Metro Bank’s earnings last quarter?
Currently, no data Available
Is US Metro Bank overvalued?
According to Wall Street analysts US Metro Bank’s price is currently Overvalued.
Does US Metro Bank pay dividends?
US Metro Bank pays a Quarterly dividend of $0.04 which represents an annual dividend yield of 2.31%. See more information on US Metro Bank dividends here
What is US Metro Bank’s EPS estimate?
US Metro Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does US Metro Bank have?
US Metro Bank has 16,791,500 shares outstanding.
What happened to US Metro Bank’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of US Metro Bank?
Currently, no hedge funds are holding shares in USMT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
US Metro Bank Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.15%
12-Months-Change
Fundamentals
Return on Equity
2.31%
Trailing 12-Months
Asset Growth
10.30%
Trailing 12-Months
Company Description
US Metro Bank
US Metro Bancorp, Inc. serves as the holding company for US Metro Bank, offering a comprehensive suite of banking services to both commercial enterprises and individual clients. The bank's deposit solutions include checking, savings, money market, and certificate of deposit accounts, in addition to treasury management services. It also extends various lending products such as real estate loans, business term loans, lines of credit, Small Business Administration (SBA) loans, and specialized financing for construction and warehouse facilities. Complementary services feature online and mobile banking, ATM access, telebanc features, wire transfers, safe deposit boxes, and debit cards. As of August 24, 2021, the company maintained five operational branches across Southern California, alongside loan production offices situated in Dallas, Seattle, New York, and Atlanta. Founded in 2006, US Metro Bancorp, Inc. is headquartered in Garden Grove, California.
Technical Analysis
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