METROPOLITAN BANK HOLDING CO(NYSE:MCB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, MCB scores 4 out of 10 in our fundamental rating. MCB was compared to 396 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.

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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.

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

MCB has a Return On Assets (0.88%) which is in line with its industry peers.

MCB has a Return On Equity (9.06%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.88%
ROE	9.06%
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

With a Profit Margin value of 23.80%, MCB perfoms like the industry average, outperforming 51.26% of the companies in the same industry.

In the last couple of years the Profit Margin of MCB has declined.

MCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.8%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

MCB has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, MCB has more shares outstanding

MCB has a worse debt/assets ratio than last year.

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 67.17% 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.

Looking at the Debt to Equity ratio, with a value of 0.22, MCB is doing worse than 60.61% of the companies in the same industry.

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

WACC17.68%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for MCB have decreased by -2.80% in the last year.

The Earnings Per Share has been growing by 10.77% on average over the past years. This is quite good.

The Revenue has grown by 11.45% in the past year. This is quite good.

Measured over the past years, MCB shows a very strong growth in Revenue. The Revenue has been growing by 20.68% on average per year.

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

MCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.29% yearly.

The Revenue is expected to grow by 10.23% on average over the next years. This is quite good.

EPS Next Y14.05%

EPS Next 2Y23.29%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.62%

Revenue Next 2Y10.23%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.16, the valuation of MCB can be described as very reasonable.

MCB's Price/Earnings ratio is a bit cheaper when compared to the industry. MCB is cheaper than 64.14% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.68. MCB is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 7.33, 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 87.63% of the companies are valued more expensively.

MCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.50, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.16
Fwd PE	7.33

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCB is valued cheaper than 88.64% 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 23.29% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.79

PEG (5Y)1.04

EPS Next 2Y23.29%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for MCB!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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METROPOLITAN BANK HOLDING CO

NYSE:MCB (5/16/2025, 8:04:00 PM)

Premarket: 65.93 -0.03 (-0.05%)

65.96

-0.84 (-1.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-16 2025-07-16/amc

Inst Owners78.31%

Inst Owner Change4.9%

Ins Owners6.08%

Ins Owner Change1.07%

Market Cap730.18M

Analysts80

Price Target76.84 (16.49%)

Short Float %9.38%

Short Ratio7

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)-2.38%

PT rev (3m)-8.32%

EPS NQ rev (1m)0.22%

EPS NQ rev (3m)-3.56%

EPS NY rev (1m)2.27%

EPS NY rev (3m)-1.59%

Revenue NQ rev (1m)1.37%

Revenue NQ rev (3m)1.38%

Revenue NY rev (1m)1.24%

Revenue NY rev (3m)1.25%

Valuation

		Industry Rank	Sector Rank
PE	11.16
Fwd PE	7.33
P/S	2.6
P/FCF	5.77
P/OCF	5.56
P/B	0.99
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)5.91

EY8.96%

EPS(NY)9

Fwd EY13.64%

FCF(TTM)11.43

FCFY17.33%

OCF(TTM)11.85

OCFY17.97%

SpS25.36

BVpS66.65

TBVpS66.65

PEG (NY)0.79

PEG (5Y)1.04

Profitability

		Industry Rank	Sector Rank
ROA	0.88%
ROE	9.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.8%
GM	N/A
FCFM	45.06%

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

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-10.05%

PM growth 5Y-2.58%

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	189.3%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC17.68%

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)-2.8%

EPS 3Y-2.77%

EPS 5Y10.77%

EPS Q2Q%-0.68%

EPS Next Y14.05%

EPS Next 2Y23.29%

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 Year8.62%

Revenue Next 2Y10.23%

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 1Y67.18%

FCF growth 3Y63.64%

FCF growth 5Y35.34%

OCF growth 1Y39.54%

OCF growth 3Y58.51%

OCF growth 5Y30.68%

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

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5. Dividend

5.1 Amount

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