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Macro Bank Inc.

BMA Financial Banks Regional

Macro Bank Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.6 billion, down 33.9% from fiscal 2024.

Revenue
+4.42%
EPS
+17.4%
Free cash flow
+198.8%
Total debt
+22.9%

Quarter to June 2026, against a year earlier

58.37 1.51 −2.52%
Market cap
$3.6B
P/E
12.2×
Fwd P/E
8.3×
Dividend yield
6.57%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 1.69%

Capital & Financial Ratios $m

Size
Market Cap 3,640.00
Revenue ttm 4,854.03
Net income ttm 111.63
Free cash flow ttm 1,143.24
Net debt Q (2,093.41)
Valuation
P/E 12.17
Forward P/E 8.32
Price / sales 0.77
Forward P/S Powerpack
Price / FCF 3.26
Price / book 0.85
Financial health
Current ratio Q 1.10
Debt / equity Q 0.26
Interest coverage Q —
Growth
Revenue growth Q +4.42% (above 0%: growing)
Operating income growth Q +3.01% (above 0%: growing)
EPS, this year +151.22% (at or above 15%: strong)
EPS, next year A +45.71% (at or above 15%: strong)
Revenue, next year A +14,021.65% (at or above 10%: strong)
EPS, past 5 yrs −9.01% (below 0%: weak)
EPS, next 5 yrs A +68.49% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 79.68%
10-year low 10-year high
P/S against its own 10 years 52.99%
10-year low 10-year high
P/B against its own 10 years 38.83%
10-year low 10-year high

Dividends

Yield
6.57%
Annual rate
3.84
Payout ratio
80.0%
Growth, 2017–25
+11.0%/yr
  1. 0.76 ’17
  2. 2.00 ’18 +164
  3. 2.20 ’19 +10
  4. 0.00 ’20 −100
  5. 0.00 ’21
  6. 0.48 ’22
  7. 2.22 ’23 +365
  8. 5.30 ’24 +138
  9. 1.74 ’25 −67
  10. 59.73 ’26e +3324
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 6,961 2,981 3,627 3,235
Receivables — — — —
Inventory — — — —
Other — — — —
14,434 9,635 12,471 11,609
2023 2024 2025 Q'26
Payables 12,807 9,265 10,953 10,318
ST’ Debt — — — —
Other — — — —
13,709 9,307 11,196 10,558

Compound Annual Growth %

10y 5y 3y
Sales 4.67% 10.36% (9.79%)
Cash Flow (1.09%) (23.55%) (51.88%)
Earnings (8.20%) (9.01%) (9.64%)
Book Value 9.26% 14.24% 2.02%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 1.59 Actual 2.29

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 0.67 −0.39 Miss by 1.06
Dec 2025 1.38 1.98 Beat by 0.60
Mar 2026 1.42 1.73 Beat by 0.31
Jun 2026 1.59 2.29 Beat by 0.70
Sep 2026 1.94 — Reports 25 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.59 2.29 — — —
’25 0.65 1.95 (0.39) 1.31 3.62
’24 5.02 (4.01) 1.51 — 5.59
’23 0.66 2.28 0.39 31.60 34.93
’22 0.88 0.52 0.94 2.45 4.91
’21 0.37 0.77 1.16 1.60 4.13
’20 1.72 1.42 1.30 — 5.81
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,144 1,267 — — —
’25 918 1,213 992 1,451 4,574
’24 2,601 924 1,206 — 6,919
’23 1,299 1,546 2,199 12,243 17,288
’22 825 1,062 1,455 2,888 6,230
’21 661 619 652 1,094 3,027
’20 532 505 506 — 2,794
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 437 — — — —
’25 (388) (425) 503 755 444
’24 33 637 — — 2,202
’23 783 (203) (358) (546) (324)
’22 709 699 1,219 1,360 3,987
’21 81 (11) 338 61 469
’20 — 951 360 — 1,701
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 416 — — — —
’25 (421) (459) 474 712 307
’24 10 606 — — 2,065
’23 760 (220) (395) (686) (541)
’22 709 643 1,148 1,300 3,799
’21 67 (29) 316 43 396
’20 — 930 348 — 1,649
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 2,539 2,902 3,142 3,921 2,794 3,027 6,230 17,288 6,919 4,574 4,854 +6.8% 645,888 705,813 861,326 +473.2%
Gross margin, % 64.53 71.81 66.59 66.13 69.09 67.24 62.04 64.36 69.68 66.23 67.78 +1.7 pt
EBT 678 916 305 696 557 253 455 3,306 396 409 492 (5.5%)
EBT margin, % 26.71 31.58 9.71 17.75 19.92 8.35 7.31 19.12 5.72 8.94 10.14 (17.8) pt
Net income 0 0 305 696 557 253 455 3,306 396 409 112 n/m
Per share, $
Per share, $ Revenue 43.46 46.12 47.52 61.33 43.70 47.34 97.44 270.37 108.21 71.53 75.96 +5.7%
Earnings 7.60 8.65 (0.39) 6.69 5.81 4.13 4.91 34.93 5.59 3.62 4.80 (7.9%)
Cash flow 14.64 (11.64) 40.75 5.40 26.61 7.33 62.35 (5.07) 34.44 6.95 0.00 (7.9%)
Capex (0.46) (0.33) (1.23) (1.31) (0.82) (1.13) (2.93) (3.39) (2.14) (2.15) 0.00 +18.6%
Free cash flow 14.17 (11.97) 39.52 4.08 25.79 6.20 59.42 (8.46) 32.30 4.80 0.00 (11.3%)
Book value 25.62 41.40 32.71 34.33 33.66 39.35 61.68 121.48 69.69 65.49 68.95 +11.0%
Shares, m 58 63 66 64 64 64 64 64 64 64 64 +1.0%
Valuation, ×
Valuation, × P/E 9.27 14.02 4.75 3.35 1.94 3.60 3.30 0.80 2.84 25.65 12.17 7.0
P/S 1.61 2.54 0.97 0.75 0.41 0.30 0.16 0.10 0.36 1.26 0.77 0.8
P/B 2.86 5.14 1.36 1.50 0.54 0.36 0.26 0.23 1.54 1.38 0.85 1.5
EV/Sales 0.82 1.98 0.56 0.33 (0.32) (0.25) (0.13) (0.21) 0.17 0.73 — 0.4
EV/FCF 2.52 (7.63) 1.80 0.59 (0.59) (1.93) (0.21) 6.70 (6.19) 10.88 — 0.6
Cash, $m
Cash, $m Operating cash flow 855 (732) 2,694 345 1,701 469 3,987 (324) 2,202 444 1,270 (7.0%)
Capex (27) (21) (81) (84) (52) (72) (187) (217) (137) (138) (126) +19.8%
Free cash flow 828 (753) 2,613 261 1,649 396 3,799 (541) 2,065 307 1,143 (10.5%)
Balance, $m
Balance, $m Working capital 1,292 2,277 697 1,282 (744) (159) (2,810) 724 328 1,275 1,051 (0.1%)
Net debt (2,009) (1,611) (1,779) (1,455) (1,849) (1,663) (1,808) (5,415) (2,457) (2,428) (2,093) +2.1%
Shareholders’ equity 1,497 2,605 2,162 2,195 2,152 2,516 3,944 7,767 4,456 4,188 4,406 +12.1%
Returns, %
Returns, % ROA 4.04 4.72 (0.19) 3.94 3.67 2.24 2.36 10.72 1.73 1.34 1.73 (2.7) pt
ROIC 0.00 57.64 49.77 58.78 114.96 18.50 13.32 87.83 12.39 14.52 8.33 +14.5 pt
ROE 0.00 0.00 (1.33) 19.62 17.09 10.29 9.72 38.11 5.86 5.36 7.08 +5.4 pt
People
People Employees 8,617 8,774 9,028 8,768 8,774 8,005 7,796 8,005 9,004 8,490 — (0.2%)
Revenue/emp, $m 0.29 0.33 0.35 0.45 0.32 0.38 0.80 2.16 0.77 0.54 — +6.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Macro Bank Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
INDB Independent Bank Corp. $4.0B 12.5× 11.5× +3.14% (above 0%: growing) +175.36% (above 0%: growing) −34.59% (below 0%: shrinking) 75.78% 0.00% Compare
FBP First BanCorp. $3.9B 10.8× 10.9× +3.16% (above 0%: growing) +1.59% (above 0%: growing) −5.21% (below 0%: shrinking) 80.42% 0.00% Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00% Compare
WSBC WesBanco, Inc. $3.7B 11.0× 10.8× +0.69% (above 0%: growing) +5.95% (above 0%: growing) −14.15% (below 0%: shrinking) 69.86% 0.00% Compare
BMA Macro Bank Inc. $3.6B 12.2× 8.3× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00%
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
RNST Renasant Corporation $3.6B 11.0× 10.9× −0.13% (below 0%: shrinking) +37.83% (above 0%: growing) +505.64% (above 0%: growing) 68.82% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
Median of peers $3.7B 11.5× 11.2× +1.92% +6.16% +4.30% 75.40% 0.00%

All 327 Banks Regional stocks →

Macro Bank Inc. (BMA) Latest News

28 Oct

Impact 4 · · PR Newswire
Impact 3 · · Zacks

20 Oct

Impact 3 · · Zacks

19 Oct

Impact 3 · · Zacks

2 Oct

Impact 3 · · Zacks

21 Sep

Impact 3 ·

20 Aug

Impact 3 ·
Impact 3 · · MarketBeat transcript

19 Aug

Impact 3 ·

28 May

Impact 3 · · MarketBeat transcript

27 May

Impact 3 · · PR Newswire

14 May

Impact 4 · · GlobeNewswire

20 Mar

Impact 4 · · PR Newswire

3 Mar

Impact 4 · · GuruFocus.com

27 Feb

Impact 4 · · MarketBeat

26 Feb

Impact 4 · · Associated Press Finance
Impact 4 · · PR Newswire

10 Feb

Impact 3 · · PR Newswire
Impact 3 · · Zacks

27 Jan

Impact 3 · · PR Newswire

23 Jan

Impact 4 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

12 Jan

Impact 3 · · PR Newswire

15 Dec

Impact 4 · · Simply Wall St.Simply Wall St.Simply Wall St.Insider MonkeySimply Wall St.Simply Wall St.

5 Dec

Impact 4 · · GuruFocus.com transcript

4 Dec

Impact 4 · · Insider Monkey

29 Nov

Impact 4 · · Simply Wall St.

26 Nov

Impact 4 · · Associated Press Finance
Impact 4 · · PR NewswireMT NewswiresAssociated Press FinanceElectronic PaymentsGuruFocus.comMT NewswiresGuruFocus.com

15 Nov

Impact 4 · · Simply Wall St.

1 Nov

Impact 4 · · Simply Wall St.

BMA metrics, ten years each

stockrow.com/BMA · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com