METROPOLITAN BANK HOLDING CO (MCB) Fundamental Analysis & Valuation

NYSE:MCB • US5917741044

83.74 USD
-0.12 (-0.14%)
At close: Mar 4, 2026
83.74 USD
0 (0%)
After Hours: 3/4/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

MCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. MCB may be in some trouble as it scores bad on both profitability and health. MCB is growing strongly while it also seems undervalued. This is an interesting combination


Dividend Valuation Growth Profitability Health

2

1. MCB Profitability Analysis

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.
  • MCB had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of MCB (0.77%) is worse than 62.80% of its industry peers.
  • With a Return On Equity value of 8.70%, MCB perfoms like the industry average, outperforming 47.76% of the companies in the same industry.
Industry RankSector Rank
ROA 0.77%
ROE 8.7%
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

  • MCB has a worse Profit Margin (21.38%) than 63.32% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 21.38%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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
  • Compared to 1 year ago, MCB has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of MCB is 1.19, which is an excellent value as it means it would take MCB, only 1.19 years of fcf income to pay off all of its debts.
  • MCB has a Debt to FCF ratio of 1.19. This is in the better half of the industry: MCB outperforms 62.27% of its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that MCB is not too dependend on debt financing.
  • MCB has a Debt to Equity ratio of 0.22. This is in the lower half of the industry: MCB underperforms 60.69% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for MCB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.19
Altman-Z N/A
ROIC/WACCN/A
WACC16.52%
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 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 nice 12.33% over the past year.
  • Measured over the past 5 years, MCB shows a small growth in Earnings Per Share. The EPS has been growing by 7.33% on average per year.
  • Looking at the last year, MCB shows a quite strong growth in Revenue. The Revenue has grown by 13.79% in the last year.
  • 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)12.33%
EPS 3Y-7.6%
EPS 5Y7.33%
EPS Q2Q%47.34%
Revenue 1Y (TTM)13.79%
Revenue growth 3Y7.2%
Revenue growth 5Y17.3%
Sales Q2Q%24.51%

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 33.70% on average per year.
  • MCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.74% yearly.
EPS Next Y57.9%
EPS Next 2Y33.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.33%
Revenue Next 2Y13.74%
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.
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 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 2 4 6 8 10

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Find the best growth stocksShow best growing peers

7

4. MCB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.59, MCB is valued correctly.
  • MCB's Price/Earnings ratio is in line with the industry average.
  • MCB is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 7.97, the valuation of MCB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MCB indicates a rather cheap valuation: MCB is cheaper than 90.77% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of MCB to the average of the S&P500 Index (25.11), we can say MCB is valued rather cheaply.
Industry RankSector Rank
PE 12.59
Fwd PE 7.97
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

  • Based on the Price/Free Cash Flow ratio, MCB is valued cheaper than 89.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.17
EV/EBITDA N/A
MCB Per share dataMCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • MCB's 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 33.70% in the coming years.
PEG (NY)0.22
PEG (5Y)1.72
EPS Next 2Y33.7%
EPS Next 3YN/A

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

0

5. MCB Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.93%, MCB is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.93, MCB pays less dividend than the industry average, which is at 2.72. 83.38% of the companies listed in the same industry pay a better dividend than MCB!
  • Compared to an average S&P500 Dividend Yield of 1.82, MCB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.93%

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
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

DPN/A
EPS Next 2Y33.7%
EPS Next 3YN/A
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

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Find the best dividend stocksShow peers with best dividend

MCB Fundamentals: All Metrics, Ratios and Statistics

METROPOLITAN BANK HOLDING CO

NYSE:MCB (3/4/2026, 8:04:00 PM)

After market: 83.74 0 (0%)

83.74

-0.12 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners84.38%
Inst Owner Change-3.75%
Ins Owners6.07%
Ins Owner Change0.1%
Market Cap844.94M
Revenue(TTM)315.11M
Net Income(TTM)63.66M
Analysts80
Price Target102.34 (22.21%)
Short Float %5.47%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 0.93%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-29.98%
Min EPS beat(2)-65.36%
Max EPS beat(2)5.4%
EPS beat(4)3
Avg EPS beat(4)-5.63%
Min EPS beat(4)-65.36%
Max EPS beat(4)31.08%
EPS beat(8)4
Avg EPS beat(8)-8.22%
EPS beat(12)7
Avg EPS beat(12)-3.33%
EPS beat(16)10
Avg EPS beat(16)-0.55%
Revenue beat(2)2
Avg Revenue beat(2)2.77%
Min Revenue beat(2)1.39%
Max Revenue beat(2)4.16%
Revenue beat(4)4
Avg Revenue beat(4)3.29%
Min Revenue beat(4)1.39%
Max Revenue beat(4)4.26%
Revenue beat(8)7
Avg Revenue beat(8)2.79%
Revenue beat(12)7
Avg Revenue beat(12)1.14%
Revenue beat(16)11
Avg Revenue beat(16)2.6%
PT rev (1m)11.07%
PT rev (3m)14.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.32%
EPS NY rev (1m)8.98%
EPS NY rev (3m)9.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.81%
Valuation
Industry RankSector Rank
PE 12.59
Fwd PE 7.97
P/S 2.84
P/FCF 6.17
P/OCF 5.98
P/B 1.15
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)6.65
EY7.94%
EPS(NY)10.5
Fwd EY12.54%
FCF(TTM)13.56
FCFY16.2%
OCF(TTM)14.01
OCFY16.73%
SpS29.5
BVpS72.55
TBVpS72.55
PEG (NY)0.22
PEG (5Y)1.72
Graham Number104.19
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 8.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.38%
GM N/A
FCFM 45.97%
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-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.19
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 214.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC16.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.33%
EPS 3Y-7.6%
EPS 5Y7.33%
EPS Q2Q%47.34%
EPS Next Y57.9%
EPS Next 2Y33.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.79%
Revenue growth 3Y7.2%
Revenue growth 5Y17.3%
Sales Q2Q%24.51%
Revenue Next Year18.33%
Revenue Next 2Y13.74%
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 1Y327.94%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y311.99%
OCF growth 3YN/A
OCF growth 5YN/A

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.


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

ChartMill assigns a valuation rating of 7 / 10 to METROPOLITAN BANK HOLDING CO (MCB). This can be considered as Undervalued.


How profitable is METROPOLITAN BANK HOLDING CO (MCB) stock?

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


How financially healthy is METROPOLITAN BANK HOLDING CO?

The financial health rating of METROPOLITAN BANK HOLDING CO (MCB) is 3 / 10.


What is the expected EPS growth for METROPOLITAN BANK HOLDING CO (MCB) stock?

The Earnings per Share (EPS) of METROPOLITAN BANK HOLDING CO (MCB) is expected to grow by 57.9% in the next year.