MCB Fundamental Analysis - METROPOLITAN BANK HOLDING CO

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to MCB. MCB was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of MCB have multiple concerns. An interesting combination arises when we look at growth and value: MCB is growing strongly while it also seems undervalued.

Quickly go to:

1. Profitability

1.1 Basic Checks

MCB had positive earnings in the past year.

MCB had a positive operating cash flow in the past year.

In the past 5 years MCB has always been profitable.

Each year in the past 5 years MCB had a positive operating cash flow.

1.2 Ratios

The Return On Assets of MCB (0.87%) is comparable to the rest of the industry.

The Return On Equity of MCB (8.94%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	8.94%
ROIC	N/A

ROA(3y)0.98%

ROA(5y)0.94%

ROE(3y)10.39%

ROE(5y)10.67%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

MCB's Profit Margin of 23.51% is in line compared to the rest of the industry. MCB outperforms 50.13% of its industry peers.

MCB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for MCB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.51%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.91%

PM growth 5Y-2.49%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

MCB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, MCB has about the same amount of shares outstanding.

The number of shares outstanding for MCB has been increased compared to 5 years ago.

The debt/assets ratio for MCB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of MCB is 1.29, which is an excellent value as it means it would take MCB, only 1.29 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.29, MCB is in the better half of the industry, outperforming 66.58% of the companies in the same industry.

MCB has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.

MCB has a worse Debt to Equity ratio (0.22) than 62.53% of its industry peers.

Although MCB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	1.29
Altman-Z	N/A

ROIC/WACCN/A

WACC18.24%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

MCB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.80%.

MCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.77% yearly.

Looking at the last year, MCB shows a quite strong growth in Revenue. The Revenue has grown by 11.45% in the last year.

MCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.68% yearly.

EPS 1Y (TTM)-2.8%

EPS 3Y-2.77%

EPS 5Y10.77%

EPS Q2Q%-0.68%

Revenue 1Y (TTM)11.45%

Revenue growth 3Y15.29%

Revenue growth 5Y20.68%

Sales Q2Q%5.81%

3.2 Future

Based on estimates for the next years, MCB will show a very strong growth in Earnings Per Share. The EPS will grow by 24.44% on average per year.

The Revenue is expected to grow by 10.83% on average over the next years. This is quite good.

EPS Next Y15.59%

EPS Next 2Y24.44%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.85%

Revenue Next 2Y10.83%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.55, the valuation of MCB can be described as reasonable.

The rest of the industry has a similar Price/Earnings ratio as MCB.

When comparing the Price/Earnings ratio of MCB to the average of the S&P500 Index (26.69), we can say MCB is valued rather cheaply.

A Price/Forward Earnings ratio of 7.45 indicates a rather cheap valuation of MCB.

MCB's Price/Forward Earnings ratio is rather cheap when compared to the industry. MCB is cheaper than 84.05% of the companies in the same industry.

MCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.29, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.55
Fwd PE	7.45

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCB is valued cheaper than 88.10% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	5.77
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

MCB's earnings are expected to grow with 24.44% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.74

PEG (5Y)1.07

EPS Next 2Y24.44%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for MCB!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

METROPOLITAN BANK HOLDING CO

NYSE:MCB (6/26/2025, 12:01:58 PM)

68.28

+0.41 (+0.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-17 2025-07-17/amc

Inst Owners84.95%

Inst Owner Change4.87%

Ins Owners6.17%

Ins Owner Change-2.66%

Market Cap727.86M

Analysts80

Price Target78.2 (14.53%)

Short Float %10.14%

Short Ratio9.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)18.71%

Min EPS beat(2)6.34%

Max EPS beat(2)31.08%

EPS beat(4)2

Avg EPS beat(4)0.24%

Min EPS beat(4)-30.86%

Max EPS beat(4)31.08%

EPS beat(8)4

Avg EPS beat(8)-1.08%

EPS beat(12)7

Avg EPS beat(12)2.14%

EPS beat(16)11

Avg EPS beat(16)4.5%

Revenue beat(2)2

Avg Revenue beat(2)3.8%

Min Revenue beat(2)3.35%

Max Revenue beat(2)4.26%

Revenue beat(4)3

Avg Revenue beat(4)3.11%

Min Revenue beat(4)-1.3%

Max Revenue beat(4)6.11%

Revenue beat(8)5

Avg Revenue beat(8)1.51%

Revenue beat(12)7

Avg Revenue beat(12)1.39%

Revenue beat(16)11

Avg Revenue beat(16)2.86%

PT rev (1m)1.77%

PT rev (3m)-6.69%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.93%

EPS NY rev (1m)1.35%

EPS NY rev (3m)-0.27%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.38%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)1.46%

Valuation

		Industry Rank	Sector Rank
PE	11.55
Fwd PE	7.45
P/S	2.59
P/FCF	5.77
P/OCF	5.57
P/B	0.99
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)5.91

EY8.66%

EPS(NY)9.17

Fwd EY13.43%

FCF(TTM)11.83

FCFY17.32%

OCF(TTM)12.27

OCFY17.97%

SpS26.34

BVpS69.23

TBVpS69.23

PEG (NY)0.74

PEG (5Y)1.07

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	8.94%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.51%
GM	N/A
FCFM	44.89%

ROA(3y)0.98%

ROA(5y)0.94%

ROE(3y)10.39%

ROE(5y)10.67%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.91%

PM growth 5Y-2.49%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	1.29
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.68%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	191%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC18.24%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.59%

Cap/Sales(5y)3.15%

Profit Quality(3y)125.48%

Profit Quality(5y)129.06%

High Growth Momentum

Growth

EPS 1Y (TTM)-2.8%

EPS 3Y-2.77%

EPS 5Y10.77%

EPS Q2Q%-0.68%

EPS Next Y15.59%

EPS Next 2Y24.44%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.45%

Revenue growth 3Y15.29%

Revenue growth 5Y20.68%

Sales Q2Q%5.81%

Revenue Next Year8.85%

Revenue Next 2Y10.83%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y66.57%

FCF growth 3Y63.47%

FCF growth 5Y35.25%

OCF growth 1Y39.06%

OCF growth 3Y58.34%

OCF growth 5Y30.6%

METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens