METROPOLITAN BANK HOLDING CO (MCB)
US5917741044 - Common Stock
Overall MCB gets a fundamental rating of 4 out of 10. We evaluated MCB against 412 industry peers in the Banks industry. MCB has a medium profitability rating, but doesn't score so well on its financial health evaluation. MCB is not valued too expensively and it also shows a decent growth rate.
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
Looking at the Return On Assets, with a value of 1.09%, MCB is in the better half of the industry, outperforming 68.45% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.67%, MCB is in the better half of the industry, outperforming 77.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 11.67% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.93%
ROE(3y)10.9%
ROE(5y)10.82%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 30.67%, MCB is doing good in the industry, outperforming 78.40% of the companies in the same industry.
In the last couple of years the Profit Margin of MCB has remained more or less at the same level.
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) | 30.67% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.64%
PM growth 5Y0.14%
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.
The number of shares outstanding for MCB has been increased compared to 5 years ago.
The debt/assets ratio for MCB has been reduced compared to a year ago.
2.2 Solvency
MCB has a debt to FCF ratio of 3.47. This is a good value and a sign of high solvency as MCB would need 3.47 years to pay back of all of its debts.
MCB has a Debt to FCF ratio of 3.47. This is comparable to the rest of the industry: MCB outperforms 41.26% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that MCB is not too dependend on debt financing.
MCB's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. MCB outperforms 56.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MCB have decreased strongly by -18.51% in the last year.
MCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.63% yearly.
Looking at the last year, MCB shows a decrease in Revenue. The Revenue has decreased by -1.96% in the last year.
Measured over the past years, MCB shows a very strong growth in Revenue. The Revenue has been growing by 24.63% on average per year.
EPS 1Y (TTM)-18.51%
EPS 3Y13.73%
EPS 5Y17.63%
EPS growth Q2Q-47.54%
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y20.9%
Revenue growth 5Y24.63%
Revenue growth Q2Q-9.53%
3.2 Future
Based on estimates for the next years, MCB will show a small growth in Earnings Per Share. The EPS will grow by 2.65% on average per year.
Based on estimates for the next years, MCB will show a quite strong growth in Revenue. The Revenue will grow by 9.54% on average per year.
EPS Next Y-10.39%
EPS Next 2Y2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.04%
Revenue Next 2Y9.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
MCB is valuated cheaply with a Price/Earnings ratio of 6.18.
Compared to the rest of the industry, the Price/Earnings ratio of MCB indicates a rather cheap valuation: MCB is cheaper than 91.99% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.55, MCB is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.90, 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 91.75% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 20.92. MCB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 6.9 |
4.2 Price Multiples
MCB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MCB is more expensive than 67.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y2.65%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MCB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
METROPOLITAN BANK HOLDING CO
NYSE:MCB (5/2/2024, 2:44:32 PM)
42.47
+1.56 (+3.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap470.99M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 6.9 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 11.67% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.67% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-18.51%
EPS 3Y13.73%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.39%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y20.9%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y