MCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. MCB may be in some trouble as it scores bad on both profitability and health. MCB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

MCB had positive earnings in the past year.
MCB had a positive operating cash flow in the past year.
MCB had positive earnings in each of the past 5 years.
MCB had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

MCB has a Return On Assets of 0.77%. This is in the lower half of the industry: MCB underperforms 60.84% of its industry peers.
Looking at the Return On Equity, with a value of 8.70%, MCB is in line with its industry, outperforming 48.04% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of MCB (21.38%) is worse than 61.88% of its industry peers.
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 Rank	Sector 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

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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.
The number of shares outstanding for MCB has been reduced compared to 1 year ago.
The number of shares outstanding for MCB has been increased compared to 5 years ago.
Compared to 1 year ago, MCB has an improved debt to assets ratio.

2.2 Solvency

MCB has a debt to FCF ratio of 1.19. This is a very positive value and a sign of high solvency as it would only need 1.19 years to pay back of all of its debts.
MCB's Debt to FCF ratio of 1.19 is fine compared to the rest of the industry. MCB outperforms 61.62% of its industry peers.
MCB has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.22, MCB is not doing good in the industry: 60.84% of the companies in the same industry are doing better.
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	1.19
Altman-Z	N/A

ROIC/WACCN/A

WACC16.19%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.33% 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.
Looking at the last year, MCB shows a quite strong growth in Revenue. The Revenue has grown by 13.79% in the last year.
MCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.30% yearly.

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

MCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.11% yearly.
Based on estimates for the next years, MCB will show a quite strong growth in Revenue. The Revenue will grow by 13.74% on average per year.

EPS Next Y44.89%

EPS Next 2Y28.11%

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

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

A Price/Earnings ratio of 13.46 indicates a correct valuation of MCB.
MCB's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.87, MCB is valued rather cheaply.
MCB is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MCB indicates a somewhat cheap valuation: MCB is cheaper than 75.46% 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 (25.96), we can say MCB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.46
Fwd PE	9.29

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCB is valued cheaply inside the industry as 86.95% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.74
EV/EBITDA	N/A

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.
MCB's earnings are expected to grow with 28.11% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.3

PEG (5Y)1.84

EPS Next 2Y28.11%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.74%, MCB is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.62, MCB's dividend is way lower than its industry peers. On top of this 83.29% of the companies listed in the same industry pay a better dividend than MCB!
With a Dividend Yield of 0.74, MCB pays less dividend than the S&P500 average, which is at 1.82.

		Industry Rank	Sector Rank
Dividend Yield	0.74%

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

5.3 Sustainability

DPN/A

EPS Next 2Y28.11%

EPS Next 3YN/A

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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 6 / 10 to METROPOLITAN BANK HOLDING CO (MCB). This can be considered as Fairly Valued.

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 44.89% in the next year.