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US Metro Bank
(OTC:USMT)
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Rating:67Neutral
Price Target:
$6.50
▲(7.26% Upside)
Action:Reiterated
Date:05/11/26
The score is driven primarily by mixed financial performance: strong growth and improved leverage are offset by negative 2025 operating/free cash flow and lower profitability/returns versus prior peaks. Valuation is a clear positive with a low P/E and a reasonable dividend yield, while technicals are modestly supportive rather than strongly bullish.
Positive Factors
Multi-year Revenue Growth
Sustained revenue expansion over multiple years reflects an expanding core banking franchise and greater market penetration. Durable top-line growth supports reinvestment, diversification of income sources, and the ability to absorb cost fluctuations, strengthening long-term business resilience.
Negative Factors
Negative Cash Generation
A reversal to negative operating and free cash flow despite reported earnings signals weaker earnings quality or working-capital strain. Persistent cash deficits would impair funding flexibility, increase reliance on external financing, and limit reinvestment or dividend sustainability over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year Revenue Growth
Sustained revenue expansion over multiple years reflects an expanding core banking franchise and greater market penetration. Durable top-line growth supports reinvestment, diversification of income sources, and the ability to absorb cost fluctuations, strengthening long-term business resilience.
Read all positive factors
US Metro Bank (USMT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$99.07M
Dividend Yield2.31%
Average Volume (3M)2.32K
Price to Earnings (P/E)8.0
Beta (1Y)0.21
Revenue Growth22.47%
EPS Growth40.86%
CountryUS
Employees151
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
US Metro Bank Business Overview & Revenue Model
Company Description
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,...
How the Company Makes Money
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US Metro Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 110.28M | 104.68M | 93.72M | 79.64M | 58.15M | 50.63M |
| Gross Profit | 45.63M | 57.86M | 45.34M | 45.60M | 49.59M | 43.66M |
| EBITDA | 12.78M | 21.61M | 13.79M | 17.62M | 23.92M | 22.17M |
| Net Income | 8.69M | 12.29M | 7.14M | 10.62M | 16.85M | 15.70M |
Balance Sheet | ||||||
| Total Assets | 1.56B | 1.55B | 1.40B | 1.23B | 1.12B | 968.42M |
| Cash, Cash Equivalents and Short-Term Investments | 15.79M | 13.71M | 168.36M | 148.82M | 172.58M | 186.60M |
| Total Debt | 25.00M | 25.00M | 50.68M | 50.63M | 50.57M | 25.51M |
| Total Liabilities | 1.40B | 1.39B | 1.30B | 1.13B | 1.04B | 891.76M |
| Stockholders Equity | 158.81M | 111.93M | 101.00M | 95.23M | 84.88M | 76.66M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -2.68M | 7.05M | 13.21M | 23.71M | 20.22M |
| Operating Cash Flow | 0.00 | -1.47M | 8.08M | 14.94M | 24.43M | 20.46M |
| Investing Cash Flow | 0.00 | -92.86M | -150.27M | -88.98M | -166.87M | -250.84M |
| Financing Cash Flow | 0.00 | 144.98M | 162.22M | 85.32M | 143.36M | 183.87M |
US Metro Bank Technical Analysis
Positive
6.06
Price Trends
5.66
Positive
5.48
Positive
5.31
Positive
Market Momentum
0.09
Negative
65.71
Neutral
63.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USMT, the sentiment is Positive. The current price of 6.06 is above the 20-day moving average (MA) of 5.87, above the 50-day MA of 5.66, and above the 200-day MA of 5.31, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 65.71 is Neutral, neither overbought nor oversold. The STOCH value of 63.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for USMT.
US Metro Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $99.07M | 7.99 | 6.66% | 2.31% | 22.47% | 40.86% | |
57 Neutral | $43.26M | 30.88 | 2.87% | ― | 10.06% | ― | |
51 Neutral | $13.14M | -132.94 | -0.48% | ― | 13.37% | -600.93% | |
41 Neutral | $2.14M | -0.20 | -303.81% | ― | -41.20% | 94.76% |
* Financial Sector Average
USMT
US Metro Bank
5.98
1.28
27.32%
CARV
Carver Bancorp
1.75
-0.23
-11.46%
GLBZ
Glen Burnie Bancorp
4.50
0.18
4.17%
KFFB
Kentucky First Federal Bancorp
5.48
2.28
71.63%
SHFS
SHF Holdings
0.18
-2.52
-93.22%
MBBC
Marathon Bancorp
15.11
5.05
50.15%
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.