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US Metro Bank (USMT) AI Stock Analysis
US Metro Bank
(Other OTC:USMT)
The score is supported by attractive valuation (low P/E and a dividend) and constructive price momentum (above key moving averages with positive MACD). Financial performance is mixed: leverage has improved and revenue has grown, but the overall score is held back by the sharp deterioration in 2025 cash flow (negative operating and free cash flow despite higher earnings).
US Metro Bank (USMT) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $12.18M
- Dividend Yield
- 2.44%
- Average Volume (3M)
- 6,258
- Price to Earnings (P/E)
- 7.6
- Beta (1Y)
- 0.24
- Revenue Growth
- 150.70%
- EPS Growth
- 36.02%
- Country
- US
- Employees
- 151
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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, an...
How the Company Makes Money
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US Metro Bank Financial Statement Overview
Summary
Income statement trends are solid on growth (revenue up from ~$32.7M in 2020 to ~$104.7M in 2025; +8.3% in 2025) and 2025 net income rebounded (~$12.3M vs ~$7.1M in 2024). Balance sheet strength is a key positive with meaningfully lower leverage (debt-to-equity ~0.16 in 2025) and higher equity (~$156.0M). The major drag is cash generation: 2025 operating cash flow turned negative (~-$1.5M) and free cash flow was negative (~-$2.7M), which raises quality-of-earnings and flexibility concerns.
Income Statement
74PositiveBalance Sheet
82Very PositiveCash Flow
38Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 115.99M | 104.68M | 93.72M | 79.64M | 58.15M | 50.63M |
| Gross Profit | 49.65M | 57.86M | 45.34M | 45.60M | 49.59M | 43.66M |
| EBITDA | 14.36M | 21.61M | 13.79M | 17.62M | 26.32M | 23.67M |
| Net Income | 9.80M | 12.29M | 7.14M | 10.62M | 16.85M | 15.70M |
Balance Sheet | ||||||
| Total Assets | 1.64B | 1.55B | 1.40B | 1.23B | 1.12B | 968.42M |
| Cash, Cash Equivalents and Short-Term Investments | 14.82M | 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 | 1.48B | 1.39B | 1.30B | 1.13B | 1.04B | 891.76M |
| Stockholders Equity | 161.39M | 111.93M | 101.00M | 95.23M | 84.88M | 76.66M |
Cash Flow | ||||||
| Free Cash Flow | 0 | -2.68M | 7.05M | 13.21M | 23.71M | 20.22M |
| Operating Cash Flow | 0 | -1.47M | 8.08M | 14.94M | 24.43M | 20.46M |
| Investing Cash Flow | 0 | -92.86M | -150.27M | -88.98M | -166.87M | -250.84M |
| Financing Cash Flow | 0 | 144.98M | 162.22M | 85.32M | 143.36M | 183.87M |
US Metro Bank Technical Analysis
Price Trends
Market Momentum
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 6.15 is above the 20-day moving average (MA) of 6.10, above the 50-day MA of 6.05, and above the 200-day MA of 5.62, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 71.31 is Negative, neither overbought nor oversold. The STOCH value of 87.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for USMT.
US Metro Bank Peers Comparison
Overall Rating
- USMT71Outperform
KFFB62Neutral
GLBZ52Neutral
SHFS39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| USMT | 71Outperform | $103.27M | 7.59 | 9.30% | 2.44% | 150.70% | 36.02% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| GLBZ | 52Neutral | $12.19M | -154.13 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| USMT | US Metro Bank | 6.15 | 1.08 | 21.42% | |
| CARV | Carver Bancorp | 1.85 | -1.29 | -41.08% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.12% | |
| SHFS | Shf Holdings Inc. | 0.06 | -27.90 | -99.78% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.54 | 32.43% |
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.
Date of analysis: Aug 12, 2026