METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis
USA - NYSE:MCB - US5917741044 - Common Stock
66.21 USD
+0.22 (+0.33%)
66.21 USD
0 (0%)
MCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. MCB has a bad profitability rating. Also its financial health evaluation is rather negative. An interesting combination arises when we look at growth and value: MCB is growing strongly while it also seems undervalued.
1. Profitability
1.1 Basic Checks
MCB had positive earnings in the past year.
In the past year MCB had a positive cash flow from operations.
Each year in the past 5 years MCB has been profitable.
MCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MCB has a Return On Assets (0.87%) which is comparable to the rest of the industry.
MCB has a Return On Equity (9.48%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.48% | ||
| ROIC | N/A |
ROA(3y)0.98%
ROA(5y)0.94%
ROE(3y)10.37%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MCB's Profit Margin of 23.68% is in line compared to the rest of the industry. MCB outperforms 50.00% of its industry peers.
In the last couple of years the Profit Margin of MCB has declined.
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) | 23.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.05%
PM growth 5Y-2.58%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MCB has been increased compared to 1 year ago.
MCB has more shares outstanding than it did 5 years ago.
MCB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MCB is 0.80, which is an excellent value as it means it would take MCB, only 0.80 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MCB (0.80) is better than 76.15% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that MCB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, MCB is doing good in the industry, outperforming 63.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.27%, which is quite good.
MCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.77% yearly.
MCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.48%.
MCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.68% yearly.
EPS 1Y (TTM)8.27%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%-37.96%
Revenue 1Y (TTM)10.48%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.63%
3.2 Future
The Earnings Per Share is expected to grow by 28.61% on average over the next years. This is a very strong growth
MCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.36% yearly.
EPS Next Y21.81%
EPS Next 2Y28.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.34%
Revenue Next 2Y11.36%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.49, the valuation of MCB can be described as very reasonable.
MCB's Price/Earnings ratio is in line with the industry average.
MCB is valuated cheaply when we compare the Price/Earnings ratio to 26.13, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.76, the valuation of MCB can be described as very cheap.
Based on the Price/Forward Earnings ratio, MCB is valued cheaply inside the industry as 92.56% of the companies are valued more expensively.
MCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 6.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MCB is valued cheaply inside the industry as 88.97% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.28 | ||
| 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.
A more expensive valuation may be justified as MCB's earnings are expected to grow with 28.61% in the coming years.
PEG (NY)0.53
PEG (5Y)1.07
EPS Next 2Y28.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.90%, MCB is not a good candidate for dividend investing.
With a Dividend Yield of 0.90, MCB pays less dividend than the industry average, which is at 3.43. 82.56% of the companies listed in the same industry pay a better dividend than MCB!
With a Dividend Yield of 0.90, MCB pays less dividend than the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.9% |
5.2 History
MCB is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y28.61%
EPS Next 3YN/A
66.21
+0.22 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.03%
Inst Owner Change-0.23%
Ins Owners6.05%
Ins Owner Change-5.08%
Market Cap689.91M
Revenue(TTM)297.70M
Net Income(TTM)68.54M
Analysts80
Price Target89.08 (34.54%)
Short Float %7.73%
Short Ratio7.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.9% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.87%
Min EPS beat(2)5.4%
Max EPS beat(2)6.34%
EPS beat(4)3
Avg EPS beat(4)2.99%
Min EPS beat(4)-30.86%
Max EPS beat(4)31.08%
EPS beat(8)5
Avg EPS beat(8)2.37%
EPS beat(12)7
Avg EPS beat(12)1.67%
EPS beat(16)11
Avg EPS beat(16)4.28%
Revenue beat(2)2
Avg Revenue beat(2)3.75%
Min Revenue beat(2)3.35%
Max Revenue beat(2)4.16%
Revenue beat(4)4
Avg Revenue beat(4)4.47%
Min Revenue beat(4)3.35%
Max Revenue beat(4)6.11%
Revenue beat(8)6
Avg Revenue beat(8)2.28%
Revenue beat(12)7
Avg Revenue beat(12)1.14%
Revenue beat(16)11
Avg Revenue beat(16)2.75%
PT rev (1m)0.77%
PT rev (3m)11.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.28%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.49 | ||
| Fwd PE | 6.76 | ||
| P/S | 2.38 | ||
| P/FCF | 6.28 | ||
| P/OCF | 6.02 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.76
EY8.7%
EPS(NY)9.79
Fwd EY14.79%
FCF(TTM)10.53
FCFY15.91%
OCF(TTM)11
OCFY16.61%
SpS27.77
BVpS69.38
TBVpS69.38
PEG (NY)0.53
PEG (5Y)1.07
Graham Number94.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.68% | ||
| GM | N/A | ||
| FCFM | 37.93% |
ROA(3y)0.98%
ROA(5y)0.94%
ROE(3y)10.37%
ROE(5y)10.66%
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-10.05%
PM growth 5Y-2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 160.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC17.79%
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)126.25%
Profit Quality(5y)129.52%
High Growth Momentum
Growth
EPS 1Y (TTM)8.27%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%-37.96%
EPS Next Y21.81%
EPS Next 2Y28.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.48%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.63%
Revenue Next Year11.34%
Revenue Next 2Y11.36%
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 1Y17.52%
FCF growth 3Y63.64%
FCF growth 5Y35.34%
OCF growth 1Y3.64%
OCF growth 3Y58.51%
OCF growth 5Y30.68%
METROPOLITAN BANK HOLDING CO / MCB FAQ
What is the ChartMill fundamental rating of METROPOLITAN BANK HOLDING CO (MCB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MCB.
What is the valuation status for MCB stock?
ChartMill assigns a valuation rating of 7 / 10 to METROPOLITAN BANK HOLDING CO (MCB). This can be considered as Undervalued.
Can you provide the profitability details for METROPOLITAN BANK HOLDING CO?
METROPOLITAN BANK HOLDING CO (MCB) has a profitability rating of 3 / 10.
Can you provide the financial health for MCB stock?
The financial health rating of METROPOLITAN BANK HOLDING CO (MCB) is 3 / 10.
Can you provide the expected EPS growth for MCB stock?
The Earnings per Share (EPS) of METROPOLITAN BANK HOLDING CO (MCB) is expected to grow by 21.81% in the next year.