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METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis

NYSE:MCB - New York Stock Exchange, Inc. - US5917741044 - Common Stock - Currency: USD

72.97  -1.29 (-1.74%)

After market: 72.97 0 (0%)

Fundamental Rating

4

Overall MCB gets a fundamental rating of 4 out of 10. We evaluated MCB against 393 industry peers in the Banks industry. Both the profitability and financial health of MCB have multiple concerns. MCB is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

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3

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 each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

MCB's Return On Assets of 0.88% is in line compared to the rest of the industry. MCB outperforms 53.44% of its industry peers.
With a Return On Equity value of 9.05%, MCB perfoms like the industry average, outperforming 56.49% of the companies in the same industry.
Industry RankSector Rank
ROA 0.88%
ROE 9.05%
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
MCB Yearly ROA, ROE, ROICMCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of MCB (23.78%) is comparable to the rest of the industry.
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 RankSector Rank
OM N/A
PM (TTM) 23.78%
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
MCB Yearly Profit, Operating, Gross MarginsMCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
Compared to 1 year ago, MCB has a worse debt to assets ratio.
MCB Yearly Shares OutstandingMCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MCB Yearly Total Debt VS Total AssetsMCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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.
With a decent Debt to FCF ratio value of 1.29, MCB is doing good in the industry, outperforming 67.43% 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.
The Debt to Equity ratio of MCB (0.22) is worse than 61.83% of its industry peers.
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 RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.29
Altman-Z N/A
ROIC/WACCN/A
WACC17.54%
MCB Yearly LT Debt VS Equity VS FCFMCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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7

3. Growth

3.1 Past

The earnings per share for MCB have decreased by -0.64% 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 10.77% yearly.
The Revenue has grown by 12.16% in the past year. This is quite good.
MCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.68% yearly.
EPS 1Y (TTM)-0.64%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%17.33%
Revenue 1Y (TTM)12.16%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%12.7%

3.2 Future

MCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.44% yearly.
Based on estimates for the next years, MCB will show a quite strong growth in Revenue. The Revenue will grow by 10.83% on average per year.
EPS Next Y15.59%
EPS Next 2Y24.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.85%
Revenue Next 2Y10.83%
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 100M 200M 300M
MCB Yearly EPS VS EstimatesMCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.83, the valuation of MCB can be described as 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 28.05, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.96, 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 82.44% of the companies listed in the same industry.
MCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.83
Fwd PE 7.96
MCB Price Earnings VS Forward Price EarningsMCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MCB indicates a rather cheap valuation: MCB is cheaper than 88.55% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.01
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

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 24.44% in the coming years.
PEG (NY)0.76
PEG (5Y)1.1
EPS Next 2Y24.44%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

With a yearly dividend of 0.81%, MCB is not a good candidate for dividend investing.
With a Dividend Yield of 0.81, MCB pays less dividend than the industry average, which is at 3.40. 84.22% of the companies listed in the same industry pay a better dividend than MCB!
With a Dividend Yield of 0.81, MCB pays less dividend than the S&P500 average, which is at 2.32.
Industry RankSector Rank
Dividend Yield 0.81%

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
MCB Yearly Dividends per shareMCB Yearly Dividends per shareYearly Dividends per share 2025 0.05 0.1

5.3 Sustainability

DP0%
EPS Next 2Y24.44%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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METROPOLITAN BANK HOLDING CO

NYSE:MCB (7/25/2025, 8:04:11 PM)

After market: 72.97 0 (0%)

72.97

-1.29 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-15 2025-10-15/amc
Inst Owners84.95%
Inst Owner Change-0.59%
Ins Owners6.17%
Ins Owner Change-3.99%
Market Cap760.35M
Analysts80
Price Target79.56 (9.03%)
Short Float %9.02%
Short Ratio9.53
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date07-28 2025-07-28 (0.15)
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)1.74%
PT rev (3m)3.54%
EPS NQ rev (1m)0.81%
EPS NQ rev (3m)7.83%
EPS NY rev (1m)0%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.63%
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE 7.96
P/S 2.71
P/FCF 6.01
P/OCF 5.79
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)6.17
EY8.46%
EPS(NY)9.17
Fwd EY12.56%
FCF(TTM)12.14
FCFY16.64%
OCF(TTM)12.59
OCFY17.26%
SpS26.95
BVpS70.81
TBVpS70.81
PEG (NY)0.76
PEG (5Y)1.1
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 9.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.78%
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 RankSector 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 189.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.54%
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)-0.64%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%17.33%
EPS Next Y15.59%
EPS Next 2Y24.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.16%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%12.7%
Revenue Next Year8.85%
Revenue Next 2Y10.83%
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 1Y67.17%
FCF growth 3Y63.64%
FCF growth 5Y35.34%
OCF growth 1Y39.54%
OCF growth 3Y58.51%
OCF growth 5Y30.68%