US Metro Bank (USMT) AI Stock Analysis

US Metro Bank

(Other OTC:USMT)

Select Model

Rating:75Outperform

Price Target:$6.50▲(4.67% Upside)

Action:reiterated

Date:08/12/26

Driven by consistent financial growth offset by cash flow weaknesses; supported by positive technical momentum and attractive valuation.

Positive Factors

Revenue GrowthSustained 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.

Negative Factors

Negative Operating Cash FlowThe 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.

US Metro Bank (USMT) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $12.18M
Dividend Yield: 2.42%
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

Solid revenue and asset growth with improved balance sheet stability, but volatile margins and recent negative cash flows raise liquidity concerns.

Income Statement

72Positive

Balance Sheet

78Positive

Cash Flow

45Neutral

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price6.21

Price Trends

50DMA6.05Positive

100DMA5.93Positive

200DMA5.62Positive

Market Momentum

MACD0.03Negative

RSI71.31Negative

STOCH87.58Negative

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 6.21 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

UnderperformOutperform

Sector (55)

Financial Indicators

USMT against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USMT	75Outperform	$103.27M	7.59	9.30%	2.42%	150.70%	36.02%
KFFB	62Neutral	$43.18M	18.24	3.86%	0.90%	8.69%	958.30%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
GLBZ	52Neutral	$12.19M	-157.89	-0.39%	―	17.13%	-395.56%
SHFS	37Underperform	$1.55M	-0.00	-52.68%	―	-28.59%	94.79%

* General Sector Average

Performance Comparison

USMT and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
USMT	US Metro Bank	6.21	1.14	22.61%
CARV	Carver Bancorp	1.74	-1.40	-44.55%
GLBZ	Glen Burnie	4.20	-0.49	-10.45%
KFFB	Kentucky First Federal	5.54	1.58	40.06%
SHFS	Shf Holdings Inc.	0.05	-27.91	-99.84%
MBBC	Marathon Bancorp, Inc.	14.44	3.54	32.43%

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.

Date of analysis: Aug 12, 2026

US Metro Bank AI Stock Analysis