METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis
USA - NYSE:MCB - US5917741044 - Common Stock
70.9 USD
-3.61 (-4.84%)
69.05 USD
-1.85 (-2.61%)
We assign a fundamental rating of 4 out of 10 to MCB. MCB was compared to 390 industry peers in the Banks industry. MCB has a bad profitability rating. Also its financial health evaluation is rather negative. MCB has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
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.
MCB had positive earnings in each of the past 5 years.
In the past 5 years MCB always reported a positive cash flow from operatings.
1.2 Ratios
MCB has a Return On Assets of 0.87%. This is comparable to the rest of the industry: MCB outperforms 50.90% of its industry peers.
The Return On Equity of MCB (9.48%) is better than 60.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.48% | ||
| 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 23.68%, MCB perfoms like the industry average, outperforming 50.13% of the companies in the same industry.
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) | 23.68% | ||
| 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
2. Health
2.1 Basic Checks
MCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MCB has more shares outstanding
Compared to 5 years ago, MCB has more shares outstanding
Compared to 1 year ago, MCB has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MCB is 0.80, which is an excellent value as it means it would take MCB, only 0.80 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.80, MCB is doing good in the industry, outperforming 75.96% of the companies in the same industry.
MCB has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.12, MCB is in the better half of the industry, outperforming 63.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.27%, which is quite good.
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 10.44% 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)8.27%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%-37.96%
Revenue 1Y (TTM)10.44%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.64%
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 28.61% on average per year.
The Revenue is expected to grow by 11.36% on average over the next years. This is quite good.
EPS Next Y21.81%
EPS Next 2Y28.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.34%
Revenue Next 2Y11.36%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.31, the valuation of MCB can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as MCB.
MCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
A Price/Forward Earnings ratio of 7.24 indicates a rather cheap valuation of MCB.
Based on the Price/Forward Earnings ratio, MCB is valued cheaper than 90.28% of the companies in the same industry.
MCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 7.24 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MCB is valued cheaply inside the industry as 87.47% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.73 | ||
| 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.
A more expensive valuation may be justified as MCB's earnings are expected to grow with 28.61% in the coming years.
PEG (NY)0.56
PEG (5Y)1.14
EPS Next 2Y28.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.81%, MCB is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.53, MCB's dividend is way lower than its industry peers. On top of this 83.63% 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 2.31.
| Industry Rank | Sector 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
5.3 Sustainability
DP0%
EPS Next 2Y28.61%
EPS Next 3YN/A
70.9
-3.61 (-4.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.03%
Inst Owner Change-0.27%
Ins Owners6.05%
Ins Owner Change-6.07%
Market Cap738.78M
Revenue(TTM)276.91M
Net Income(TTM)68.54M
Analysts80
Price Target88.4 (24.68%)
Short Float %7.31%
Short Ratio6.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.87%
Min EPS beat(2)5.4%
Max EPS beat(2)6.34%
EPS beat(4)3
Avg EPS beat(4)2.99%
Min EPS beat(4)-30.86%
Max EPS beat(4)31.08%
EPS beat(8)5
Avg EPS beat(8)2.37%
EPS beat(12)7
Avg EPS beat(12)1.67%
EPS beat(16)11
Avg EPS beat(16)4.28%
Revenue beat(2)2
Avg Revenue beat(2)3.75%
Min Revenue beat(2)3.35%
Max Revenue beat(2)4.16%
Revenue beat(4)4
Avg Revenue beat(4)4.47%
Min Revenue beat(4)3.35%
Max Revenue beat(4)6.11%
Revenue beat(8)6
Avg Revenue beat(8)2.28%
Revenue beat(12)7
Avg Revenue beat(12)1.14%
Revenue beat(16)11
Avg Revenue beat(16)2.75%
PT rev (1m)0%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.86%
EPS NY rev (1m)0.28%
EPS NY rev (3m)5.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 7.24 | ||
| P/S | 2.55 | ||
| P/FCF | 6.73 | ||
| P/OCF | 6.45 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.76
EY8.12%
EPS(NY)9.79
Fwd EY13.81%
FCF(TTM)10.53
FCFY14.86%
OCF(TTM)11
OCFY15.51%
SpS27.77
BVpS69.38
TBVpS69.38
PEG (NY)0.56
PEG (5Y)1.14
Graham Number94.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.68% | ||
| GM | N/A | ||
| FCFM | 37.93% |
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
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-10.05%
PM growth 5Y-2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 160.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC17.42%
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)8.27%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%-37.96%
EPS Next Y21.81%
EPS Next 2Y28.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.44%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.64%
Revenue Next Year11.34%
Revenue Next 2Y11.36%
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 1Y17.52%
FCF growth 3Y63.64%
FCF growth 5Y35.34%
OCF growth 1Y3.64%
OCF growth 3Y58.51%
OCF growth 5Y30.68%
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.
What is the valuation status for MCB stock?
ChartMill assigns a valuation rating of 7 / 10 to METROPOLITAN BANK HOLDING CO (MCB). This can be considered as Undervalued.
Can you provide the profitability details for METROPOLITAN BANK HOLDING CO?
METROPOLITAN BANK HOLDING CO (MCB) has a profitability rating of 3 / 10.
Can you provide the financial health for MCB stock?
The financial health rating of METROPOLITAN BANK HOLDING CO (MCB) is 3 / 10.
Can you provide the expected EPS growth for MCB stock?
The Earnings per Share (EPS) of METROPOLITAN BANK HOLDING CO (MCB) is expected to grow by 21.81% in the next year.