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Metropolitan Bank Holding Corp.

MCB Financial Banks Regional

Metropolitan Bank Holding Corp.’s revenue for fiscal 2025 (year ended December 2025) was $527.1 million, up 7.10% from fiscal 2024.

Revenue
+10.7%
EPS
−12.9%
Free cash flow
−168.7%
Total debt
−90.5%

Quarter to June 2026, against a year earlier

95.41 0.33 +0.35%
Market cap
$1.2B
P/E
11.9×
Fwd P/E
9.9×
Dividend yield
1.26%
F-score
6/9
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 0.17
Sold, $m 4.53
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — 1 — — — —
Sell 1 2 — — — 1 4 — 1 1 — —
Insider Ownership 12.45%

Capital & Financial Ratios $m

Size
Market Cap 1,170.00
Revenue ttm 556.09
Net income ttm 86.63
Free cash flow ttm 99.67
Net debt Q (223.33)
Valuation
P/E 11.89
Forward P/E 9.90
Price / sales 2.12
Forward P/S Powerpack
Price / FCF 11.81
Price / book 1.22
Financial health
Current ratio Q 0.97
Debt / equity Q 0.02
Interest coverage Q —
Growth
Revenue growth Q +10.67% (above 0%: growing)
Operating income growth Q +4.11% (above 0%: growing)
EPS, this year +45.61% (at or above 15%: strong)
EPS, next year A +14.95%
Revenue, next year A −27.21% (below 0%: weak)
EPS, past 5 yrs +7.27%
EPS, next 5 yrs A +26.27% (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 63.63%
10-year low 10-year high
P/S against its own 10 years 49.73%
10-year low 10-year high
P/B against its own 10 years 65.18%
10-year low 10-year high

Dividends

Yield
1.26%
Annual rate
1.20
Payout ratio
15.2%
Growth, 2025–26
+300.0%/yr
  1. 0.30 ’25
  2. 1.20 ’26 +300
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 269 200 394 239
Receivables — — — —
Inventory — — — —
Other — — — —
5,924 6,171 7,107 7,506
2023 2024 2025 Q'26
Payables 5,737 5,983 7,377 7,731
ST’ Debt — — — —
Other — — — —
5,836 6,193 7,377 7,731

Compound Annual Growth %

10y 5y 3y
Sales 30.37% 26.91% 22.42%
Cash Flow 32.19% 0.32% 1.07%
Earnings 32.75% 12.69% 6.24%
Book Value 25.62% 16.87% 8.87%

Earnings Trends EPS, adjusted, against the consensus

Q4 FY25 Estimate 2.07 Actual 2.77

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY25 1.61 1.45 Miss by 0.16
Q2 FY25 1.62 1.76 Beat by 0.14
Q3 FY25 1.95 0.67 Miss by 1.28
Q4 FY25 2.07 2.77 Beat by 0.70

EPS $

Mar Jun Sep Dec Year
’26 2.92 1.54 — — —
’25 1.45 1.76 0.67 2.77 6.62
’24 1.46 1.50 1.08 1.88 5.93
’23 2.25 1.37 1.97 1.28 6.91
’22 1.69 2.07 2.23 (0.71) 5.29
’21 1.43 1.55 1.77 1.69 6.45
’20 0.72 1.29 1.27 1.39 4.66
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 138 144 — — —
’25 122 130 135 141 527
’24 119 122 127 124 492
’23 90 97 104 112 403
’22 58 66 76 87 287
’21 43 47 51 56 197
’20 40 40 40 40 160
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 55 (11) — — —
’25 8 18 32 31 89
’24 25 35 5 83 148
’23 39 7 27 (31) 42
’22 31 (10) 53 11 86
’21 0 (2) 24 15 37
’20 21 21 15 31 87
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 52 (12) — — —
’25 6 18 31 28 82
’24 25 35 4 82 146
’23 38 6 24 (32) 37
’22 29 (12) 38 12 67
’21 (1) (2) 22 13 33
’20 17 20 12 34 83
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
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 50 72 96 140 160 197 287 403 492 527 556 +30.0% 384 428 482 (2.9%)
Gross margin, % 87.72 87.97 86.77 77.09 88.65 91.73 89.01 62.17 56.26 59.78 62.89 (27.9) pt
EBT 8 24 37 44 58 90 97 107 97 102 124 +32.5%
EBT margin, % 16.25 32.72 38.27 31.38 36.18 45.47 33.72 26.51 19.72 19.26 22.23 +3.0 pt
Net income 5 12 26 30 39 61 59 77 67 71 87 +34.3%
Per share, $
Per share, $ Revenue 13.62 14.21 11.82 17.18 19.47 21.86 26.29 36.47 44.03 49.75 44.91 +15.5%
Earnings 0.43 2.40 3.12 3.63 4.76 6.64 5.42 6.95 5.97 6.71 8.00 +35.7%
Cash flow 4.00 6.21 3.33 4.77 10.62 4.14 7.86 3.84 13.28 8.37 8.62 +8.6%
Capex (0.32) (0.44) (0.24) (0.84) (0.48) (0.44) (1.76) (0.52) (0.24) (0.59) (0.57) +6.9%
Free cash flow 3.68 5.77 3.09 3.93 10.14 3.69 6.10 3.32 13.04 7.78 8.05 +8.7%
Book value 30.08 46.71 32.52 36.59 41.45 61.81 52.69 59.59 65.29 70.14 78.19 +9.9%
Shares, m 4 5 8 8 8 9 11 11 11 11 11 +12.6%
Valuation, ×
Valuation, × P/E 15.92 18.46 9.89 13.29 7.64 16.12 10.68 7.36 9.78 11.31 11.89 12.0
P/S 2.79 3.20 2.61 2.81 1.86 4.87 2.21 1.40 1.33 1.53 2.12 2.5
P/B 1.42 0.97 0.95 1.32 0.88 1.72 1.10 0.86 0.89 1.09 1.22 1.1
EV/Sales (0.15) 0.50 2.37 1.54 (3.15) (6.81) 1.69 1.84 1.42 0.81 — 0.0
EV/FCF (0.36) 1.23 9.07 6.74 (6.05) (40.33) 7.27 20.28 4.80 5.17 — 0.8
Cash, $m
Cash, $m Operating cash flow 15 31 27 39 87 37 86 42 148 89 107 +22.2%
Capex (1) (2) (2) (7) (4) (4) (19) (6) (3) (6) (7) +20.4%
Free cash flow 13 29 25 32 83 33 67 37 146 82 100 +22.4%
Balance, $m
Balance, $m Working capital 130 260 418 241 114 (339) (289) 88 (22) (270) (225) n/m
Net debt (5) (195) (23) (178) (803) (2,302) (150) 178 47 (383) (223) +63.8%
Shareholders’ equity 109 237 265 299 341 557 576 659 730 743 968 +23.7%
Returns, %
Returns, % ROA 0.14 0.82 1.29 1.07 1.02 1.05 0.89 1.15 0.93 0.91 1.04 +0.8 pt
ROIC 4.80 34.80 9.53 22.67 0.00 0.00 14.21 7.98 7.81 17.60 10.37 +12.8 pt
ROE 1.69 7.04 10.13 10.53 12.23 13.33 10.47 12.45 9.60 9.65 10.24 +8.0 pt
People
People Employees 118 129 153 167 189 202 241 277 293 328 — +12.0%
Revenue/emp, $m 0.42 0.56 0.63 0.84 0.85 0.98 1.19 1.46 1.68 1.61 — +16.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Metropolitan Bank Holding Corp. 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
CTBI Community Trust Bancorp, Inc. $1.3B 11.6× 11.2× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
OSBC Old Second Bancorp, Inc. $1.2B 11.3× 11.3× −1.73% (below 0%: shrinking) +200.00% (above 0%: growing) +282.25% (above 0%: growing) 84.33% 0.00% Compare
PFBC Preferred Bank $1.2B 9.4× 9.8× −3.71% (below 0%: shrinking) −4.14% (below 0%: shrinking) −33.29% (below 0%: shrinking) 57.05% 0.00% Compare
MCB Metropolitan Bank Holding Corp. $1.2B 11.9× 9.9× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00%
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00% Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
Median of peers $1.2B 11.7× 11.3× +4.54% +19.16% +44.27% 67.36% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 20 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.78m 6.25m 211.00
2024 5.63m 4.96m 161.00
2023 3.01m 2.81m 153.00
2022 4.61m 2.05m 162.00
2021 4.38m 8.38m 294.00

Ownership

Directors and executive officers, together 5.50%
BlackRock, Inc. 6.90%
Patriot Financial Partners III, L.P. 5.44%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Metropolitan Bank Holding Corp. (MCB) Latest News

22 Oct

Impact 4 · · Simply Wall St.

21 Oct

Impact 4 · · The Motley Fool
Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · Moby transcript

22 Jul

Impact 4 · · The Motley Fool
Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

18 May

Impact 4 · · Business Wire

7 May

Impact 3 · · Simply Wall St.

30 Apr

Impact 3 · · Simply Wall St.

24 Apr

Impact 4 ·
Impact 3 · · MarketBeat

23 Apr

Impact 4 · · GuruFocus.com

22 Apr

Impact 4 · · Moby

21 Apr

Impact 4 · · Business Wire

20 Apr

Impact 3 ·

2 Mar

Impact 4 · · Simply Wall St.
Impact 4 · · Business Wire

25 Feb

Impact 4 · · Business Wire
Impact 4 · · Business Wire

5 Feb

Impact 3 · · Zacks

2 Feb

Impact 4 · · Simply Wall St.

30 Jan

Impact 4 · · Zacks

29 Jan

Impact 4 · · Bloomberg

28 Jan

Impact 4 · · Simply Wall St.

27 Jan

Impact 3 · · Zacks

23 Jan

Impact 4 · · ZacksZacksSimply Wall St.ZacksSimply Wall St.Simply Wall St.ZacksSimply Wall St.
Impact 3 · · Moby
stockrow.com/MCB · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com