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US Metro Bank (USMT) Stock Price & Analysis

USMT Stock Chart & Stats

$6.15$0.05(0.82%)
At close: 11:21 AM EDT
$6$6.14 Aug20 Aug1 Sep14 Sep29 Sep14 Oct30 Oct
Day’s Range
$6.15 - $6.15
52-Week Range
$4.75 - $6.24
Previous Close
$6.14
Volume
N/A
Average Volume (3M)
1,272
Market Cap
$103.27M
Enterprise Value
$113.75M
Total Cash (Recent Filing)
$14.82M
Total Debt (Recent Filing)
$25.00M
Price to Earnings (P/E)
7.6
Beta
0.24
Next Earnings
Jan 22, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 08, 2026
Dividend Yield
2.44%

Bulls Say, Bears Say

Bulls Say

Revenue Growth

Sustained multi-year revenue growth to ~$104.7M demonstrates durable expansion of the bank's core business and scale. Persistent top-line gains support fee and interest income diversification, provide more operating leverage potential, and underpin strategic reinvestment over the next several quarters.

Improved Leverage And Capital

A materially lower debt-to-equity ratio and grown equity base strengthen solvency and regulatory buffers. This more conservative capital structure increases resilience to stress, supports measured lending growth, and preserves strategic optionality for acquisitions or balance-sheet deployment over the medium term.

Earnings Rebound

A return to higher net income indicates underlying earnings capacity and operational recovery. Improved profitability provides room for dividend support and retained earnings accumulation, which can reinforce the stronger capital position if cash conversion improves sustainably.

Bears Say

Negative Operating Cash Flow

The shift to negative operating and free cash flow despite reported net income signals weak cash conversion and raises quality-of-earnings questions. If persistent, negative cash generation can force external funding, constrain loan growth, and limit reinvestment or dividend capacity over the next several quarters.

Margin Compression

Substantial margin deterioration reduces the bank's ability to convert revenue into sustainable profits. Lower margins imply less buffer against credit or rate shocks, require higher revenue growth to maintain profits, and may indicate competitive or cost pressures that persist without structural fixes.

Declining Return On Equity

A sharply lower ROE shows reduced capital efficiency as the equity base expanded. Persistently subdued returns can raise the bank's cost of capital, limit shareholder returns, and pressure management to either pursue higher-yielding assets or accept slower organic growth to rebuild profitability.

USMT FAQ

What was US Metro Bank’s price range in the past 12 months?
US Metro Bank lowest stock price was $4.75 and its highest was $6.24 in the past 12 months.
What is US Metro Bank’s market cap?
US Metro Bank’s market cap is $103.27M.
When is US Metro Bank’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were US Metro Bank’s earnings last quarter?
US Metro Bank released its earnings results on Oct 23, 2026. The company reported $0.19 earnings per share for the quarter.
Is US Metro Bank overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does US Metro Bank pay dividends?
US Metro Bank pays a Quarterly dividend of $0.04 which represents an annual dividend yield of 2.44%. 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?
US Metro Bank reported an EPS of $0.19 in its last earnings report. Following the earnings report the stock price went up 0.574%.
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