METROPOLITAN BANK HOLDING CO (MCB) Fundamental Analysis & Valuation

NYSE:MCB • US5917741044

Current stock price

89.56 USD
+1.21 (+1.37%)
At close:
89.56 USD
0 (0%)
After Hours:

This MCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MCB Profitability Analysis

1.1 Basic Checks

  • MCB had positive earnings in the past year.
  • MCB had a positive operating cash flow in the past year.
  • Each year in the past 5 years MCB has been profitable.
  • Each year in the past 5 years MCB had a positive operating cash flow.
MCB Yearly Net Income VS EBIT VS OCF VS FCFMCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • MCB has a worse Return On Assets (0.86%) than 60.90% of its industry peers.
  • With a Return On Equity value of 9.57%, MCB perfoms like the industry average, outperforming 52.66% of the companies in the same industry.
Industry RankSector Rank
ROA 0.86%
ROE 9.57%
ROIC N/A
ROA(3y)0.95%
ROA(5y)0.93%
ROE(3y)10.12%
ROE(5y)10.28%
ROIC(3y)N/A
ROIC(5y)N/A
MCB Yearly ROA, ROE, ROICMCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.56%, MCB is doing worse than 64.36% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 22.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.9%
PM growth 5Y-3.92%
GM growth 3YN/A
GM growth 5YN/A
MCB Yearly Profit, Operating, Gross MarginsMCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. MCB Health Analysis

2.1 Basic Checks

  • MCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MCB has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, MCB has more shares outstanding
  • The debt/assets ratio for MCB has been reduced compared to a year ago.
MCB Yearly Shares OutstandingMCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
MCB Yearly Total Debt VS Total AssetsMCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • MCB has a debt to FCF ratio of 0.38. This is a very positive value and a sign of high solvency as it would only need 0.38 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.38, MCB belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
  • MCB has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.04, MCB belongs to the top of the industry, outperforming 81.65% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.38
Altman-Z N/A
ROIC/WACCN/A
WACC18.09%
MCB Yearly LT Debt VS Equity VS FCFMCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MCB Yearly Current Assets VS Current LiabilitesMCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. MCB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.39% over the past year.
  • MCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.33% yearly.
  • The Revenue has grown by 13.79% in the past year. This is quite good.
  • Measured over the past years, MCB shows a quite strong growth in Revenue. The Revenue has been growing by 17.30% on average per year.
EPS 1Y (TTM)37.39%
EPS 3Y-7.6%
EPS 5Y7.33%
EPS Q2Q%101.38%
Revenue 1Y (TTM)13.79%
Revenue growth 3Y7.2%
Revenue growth 5Y17.3%
Sales Q2Q%25.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 28.84% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, MCB will show a quite strong growth in Revenue. The Revenue will grow by 16.65% on average per year.
EPS Next Y44.89%
EPS Next 2Y32.73%
EPS Next 3Y28.84%
EPS Next 5YN/A
Revenue Next Year21.74%
Revenue Next 2Y18.19%
Revenue Next 3Y16.65%
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 Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MCB Yearly Revenue VS EstimatesMCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
MCB Yearly EPS VS EstimatesMCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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6

4. MCB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.03, the valuation of MCB can be described as reasonable.
  • MCB's Price/Earnings ratio is a bit cheaper when compared to the industry. MCB is cheaper than 68.88% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. MCB is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.64, which indicates a rather cheap valuation of MCB.
  • Based on the Price/Forward Earnings ratio, MCB is valued cheaper than 89.36% of the companies in the same industry.
  • MCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.03
Fwd PE 7.64
MCB Price Earnings VS Forward Price EarningsMCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as MCB.
Industry RankSector Rank
P/FCF 13.59
EV/EBITDA N/A
MCB Per share dataMCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 28.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)1.51
EPS Next 2Y32.73%
EPS Next 3Y28.84%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. MCB Dividend Analysis

5.1 Amount

  • MCB has a yearly dividend return of 0.88%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.57, MCB's dividend is way lower than its industry peers. On top of this 82.98% of the companies listed in the same industry pay a better dividend than MCB!
  • With a Dividend Yield of 0.88, MCB pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.88%

5.2 History

  • MCB does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
MCB Yearly Dividends per shareMCB Yearly Dividends per shareYearly Dividends per share 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • MCB pays out 4.39% of its income as dividend. This is a sustainable payout ratio.
DP4.39%
EPS Next 2Y32.73%
EPS Next 3Y28.84%
MCB Yearly Income VS Free CF VS DividendMCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
MCB Dividend Payout.MCB Dividend Payout, showing the Payout Ratio.MCB Dividend Payout.PayoutRetained Earnings

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MCB Fundamentals: All Metrics, Ratios and Statistics

METROPOLITAN BANK HOLDING CO

NYSE:MCB (5/1/2026, 8:04:00 PM)

After market: 89.56 0 (0%)

89.56

+1.21 (+1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-21
Earnings (Next)07-15
Inst Owners66.68%
Inst Owner Change-0.01%
Ins Owners5.32%
Ins Owner Change11.75%
Market Cap1.12B
Revenue(TTM)315.11M
Net Income(TTM)71.10M
Analysts80
Price Target106.76 (19.21%)
Short Float %4.97%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 0.88%
Yearly Dividend0.29
Dividend Growth(5Y)N/A
DP4.39%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-16.43%
Min EPS beat(2)-65.36%
Max EPS beat(2)32.49%
EPS beat(4)3
Avg EPS beat(4)-5.28%
Min EPS beat(4)-65.36%
Max EPS beat(4)32.49%
EPS beat(8)5
Avg EPS beat(8)-2.33%
EPS beat(12)7
Avg EPS beat(12)-0.94%
EPS beat(16)10
Avg EPS beat(16)0.36%
Revenue beat(2)2
Avg Revenue beat(2)3.33%
Min Revenue beat(2)1.39%
Max Revenue beat(2)5.27%
Revenue beat(4)4
Avg Revenue beat(4)3.54%
Min Revenue beat(4)1.39%
Max Revenue beat(4)5.27%
Revenue beat(8)7
Avg Revenue beat(8)3.19%
Revenue beat(12)8
Avg Revenue beat(12)1.74%
Revenue beat(16)11
Avg Revenue beat(16)1.87%
PT rev (1m)3.16%
PT rev (3m)14.58%
EPS NQ rev (1m)5.57%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.24%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.88%
Valuation
Industry RankSector Rank
PE 11.03
Fwd PE 7.64
P/S 3.56
P/FCF 13.59
P/OCF 12.63
P/B 1.51
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)8.12
EY9.07%
EPS(NY)11.72
Fwd EY13.08%
FCF(TTM)6.59
FCFY7.36%
OCF(TTM)7.09
OCFY7.92%
SpS25.19
BVpS59.4
TBVpS59.4
PEG (NY)0.25
PEG (5Y)1.51
Graham Number104.176 (16.32%)
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.56%
GM N/A
FCFM 26.16%
ROA(3y)0.95%
ROA(5y)0.93%
ROE(3y)10.12%
ROE(5y)10.28%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.9%
PM growth 5Y-3.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.38
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.74%
Cap/Sales(5y)2.99%
Profit Quality(3y)127.43%
Profit Quality(5y)110.07%
High Growth Momentum
Growth
EPS 1Y (TTM)37.39%
EPS 3Y-7.6%
EPS 5Y7.33%
EPS Q2Q%101.38%
EPS Next Y44.89%
EPS Next 2Y32.73%
EPS Next 3Y28.84%
EPS Next 5YN/A
Revenue 1Y (TTM)13.79%
Revenue growth 3Y7.2%
Revenue growth 5Y17.3%
Sales Q2Q%25.36%
Revenue Next Year21.74%
Revenue Next 2Y18.19%
Revenue Next 3Y16.65%
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 1Y-43.48%
FCF growth 3Y7.34%
FCF growth 5Y-0.23%
OCF growth 1Y-40.27%
OCF growth 3Y1.07%
OCF growth 5Y0.32%

METROPOLITAN BANK HOLDING CO / MCB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of METROPOLITAN BANK HOLDING CO (MCB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to MCB.


Can you provide the valuation status for METROPOLITAN BANK HOLDING CO?

ChartMill assigns a valuation rating of 6 / 10 to METROPOLITAN BANK HOLDING CO (MCB). This can be considered as Fairly Valued.


What is the profitability of MCB stock?

METROPOLITAN BANK HOLDING CO (MCB) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MCB stock?

The Price/Earnings (PE) ratio for METROPOLITAN BANK HOLDING CO (MCB) is 11.03 and the Price/Book (PB) ratio is 1.51.


What is the earnings growth outlook for METROPOLITAN BANK HOLDING CO?

The Earnings per Share (EPS) of METROPOLITAN BANK HOLDING CO (MCB) is expected to grow by 44.89% in the next year.