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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. In the quarter to June 2026, revenue grew 4.42%, EPS grew 17.4%, free cash flow grew 198.8% and total debt rose 22.9%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

64.04 0.99 −1.52%
Market cap
$4.1B
P/E
14.0×
Fwd P/E
15.4×
Dividend yield
6.47%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.10
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 1 — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.03%

Capital & Financial Ratios $m

Market Cap 4,090.00
Revenue 4,854.03
Net Income 111.63
Free Cash Flow 1,143.24
Net Debt (2,093.41)
Current Ratio 1.10
Debt/Equity 0.26
P/E ratio 14.01
Fwd P/E 15.40
P/S ratio 0.84
P/B ratio 0.93
Past 5Y EPS Growth (13.87%) (below 0%: weak)
This Y EPS Growth 151.22% (at or above 15%: strong)
Next Y EPS Growth 45.71% (at or above 15%: strong)
Next Y revenue growth 13,107.72% (at or above 10%: strong)
Next 5Y EPS Growth 68.49% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 83.49%
10-year low 10-year high
P/S against its own 10 years 54.48%
10-year low 10-year high
P/B against its own 10 years 40.58%
10-year low 10-year high

Dividends

Payout Ratio 0.91
Annual Dividend Rate 4.14
Annual Dividend Yield 6.47%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 62.92
0.36
0.38
0.40
0.41
0.55
0.53
0.51
2025 39.43
0.40
0.37
0.37
0.31
0.35
0.36
2024 5.30
0.60
1.76
1.74
1.80
2023 2.22
0.45
0.45
0.45
0.45
0.43
2022 0.48
0.08
0.08
0.09
0.08
0.08
0.07
2021 Powerpack
2020 Powerpack
2019 2.20
2.20
2018 2.00
2.00
2017 0.76
0.75
0.00
2016 1.01
0.26
0.75
predictions special payouts not included in total or ratios

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%

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.

EPS $

Mar Jun Sep Dec Year
’26 1.59 2.29 — — —
’25 0.65 1.95 (0.39) 1.08 3.10
’24 5.02 (4.01) 1.51 — 5.59
’23 0.66 2.69 0.33 31.60 34.93
’22 0.88 0.52 0.94 2.45 3.80
’21 0.37 0.77 1.16 1.60 4.13
’20 1.72 1.42 1.30 — 6.54
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 52.88 66.34 32.00 21.41 11.45 12.24 9.72 15.66 24.41 38.30

Analyst estimates 2026–2028

Powerpack
High 83.18 136.10 117.99 77.31 37.73 21.20 18.05 31.68 109.36 118.42
People
People Employees 8,617 8,774 9,028 8,768 8,774 8,005 7,796 8,005 9,004 8,490
Revenue/emp, $m 0.29 0.33 0.35 0.45 0.32 0.38 0.80 2.16 0.77 0.54
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
Gross margin, % 64.53 71.81 66.59 66.13 69.09 67.24 62.04 64.36 69.68 66.23
EBT 678 916 305 696 557 253 455 3,306 396 409
EBT margin, % 26.71 31.58 9.71 17.75 19.92 8.35 7.31 19.12 5.72 8.94
Net income 0 0 305 696 557 253 455 3,306 396 409
Depreciation — — 52 62 63 75 117 221 152 143
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
Earnings 7.60 8.65 (0.39) 6.69 6.54 4.13 3.80 34.93 5.59 3.10
Cash flow 14.64 (11.64) 40.75 5.40 26.61 7.33 62.35 (5.07) 34.44 6.95
Capex (0.46) (0.33) (1.23) (1.31) (0.82) (1.13) (2.93) (3.39) (2.14) (2.15)
Free cash flow 14.17 (11.97) 39.52 4.08 25.79 6.20 59.42 (8.46) 32.30 4.80
Book value 25.62 41.40 32.71 34.33 33.66 39.35 61.68 121.48 69.69 65.49
Shares, m 58 63 66 64 64 64 64 64 64 64
Valuation, ×
Valuation, × P/E 9.27 14.02 4.75 3.35 1.94 3.60 3.30 0.80 2.84 27.40
P/S 1.61 2.54 0.97 0.75 0.41 0.30 0.16 0.10 0.36 1.26
P/B 2.86 5.14 1.36 1.50 0.54 0.36 0.26 0.23 1.54 1.38
EV/Sales 0.82 1.98 0.56 0.33 (0.32) (0.25) (0.13) (0.21) 0.17 0.73
EV/FCF 2.52 (7.63) 1.80 0.59 (0.59) (1.93) (0.21) 6.70 (6.19) 10.88
Cash, $m
Cash, $m Operating cash flow 855 (732) 2,694 345 1,701 469 3,987 (324) 2,202 444
Capex (27) (21) (81) (84) (52) (72) (187) (217) (137) (138)
Free cash flow 828 (753) 2,613 261 1,649 396 3,799 (541) 2,065 307
Balance, $m
Balance, $m Working capital 1,292 2,277 697 1,282 (744) (159) (2,810) 724 328 1,275
Total debt 434 458 876 664 570 477 595 1,546 524 1,199
Net debt (2,009) (1,611) (1,779) (1,455) (1,849) (1,663) (1,808) (5,415) (2,457) (2,428)
Shareholders’ equity 1,497 2,605 2,162 2,195 2,152 2,516 3,944 7,767 4,456 4,188
Returns, %
Returns, % ROA 4.04 4.72 (0.19) 3.94 3.67 2.24 2.36 10.72 1.73 1.34
ROIC 0.00 57.64 49.77 58.78 114.96 18.50 13.32 87.83 12.39 14.52
ROE 0.00 0.00 (1.33) 19.62 17.09 10.29 9.72 38.11 5.86 5.36
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
SFBS ServisFirst Bancshares, Inc. $4.3B 13.4× 12.3× +6.36% (above 0%: growing) +40.18% (above 0%: growing) +141.10% (above 0%: growing) 64.14% 0.00% Compare
FULT Fulton Financial Corporation $4.3B 10.7× 11.1× +7.53% (above 0%: growing) −1.89% (below 0%: shrinking) +6.85% (above 0%: growing) 71.64% 0.00% Compare
IBOC International Bancshares Corporation $4.2B 10.1× 11.2× +0.96% (above 0%: growing) −4.35% (below 0%: shrinking) −3.33% (below 0%: shrinking) 81.33% 0.00% Compare
FBP First BanCorp. $4.2B 11.4× 10.8× +4.63% (above 0%: growing) +26.00% (above 0%: growing) −5.21% (below 0%: shrinking) 81.89% 0.00% Compare
UCB United Community Banks, Inc. $4.1B 11.1× 11.3× +0.18% (above 0%: growing) +50.79% (above 0%: growing) +43.32% (above 0%: growing) 72.97% 0.00% Compare
BMA Macro Bank Inc. $4.1B 14.0× 15.4× +4.42% (above 0%: growing) +17.44% (above 0%: growing) +198.80% (above 0%: growing) 77.07% 0.00%
CATY Cathay General Bancorp $4.0B 11.6× 10.6× +3.12% (above 0%: growing) +24.32% (above 0%: growing) +272.48% (above 0%: growing) 63.72% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $3.9B 11.7× 13.4× +4.34% (above 0%: growing) +16.35% (above 0%: growing) +62.74% (above 0%: growing) 65.14% 0.00% Compare
WSFS WSFS Financial Corporation $3.9B 12.8× 11.6× +1.64% (above 0%: growing) +28.35% (above 0%: growing) −141.58% (below 0%: shrinking) 81.45% 0.00% Compare
Median of peers $4.1B 11.5× 11.3× +3.73% +25.16% +25.09% 72.31% 0.00%

All 323 Banks Regional stocks →

Macro Bank Inc. (BMA) key facts

  • Concern: Macro Bank Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.6 billion, down 33.9% from fiscal 2024.
  • Macro Bank Inc. (BMA) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
  • As of October 16, 2026, BMA traded at $64.04, a market capitalization of $4.1 billion.
  • Macro Bank Inc. pays an annual dividend of $4.14 per share, a yield of 6.47%, with a payout ratio of 90.6%.
  • Return on equity was 5.36% and debt-to-equity 0.26.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Macro Bank Inc. (BMA) Latest News

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stockrow.com/BMA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com