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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. In the quarter to June 2026, revenue grew 10.7%, EPS fell 12.9%, free cash flow fell 168.7% and total debt fell 90.5%, each against the same quarter a year earlier. Revenue growth for ten consecutive years; insiders bought in the last twelve months.

87.24 0.17 −0.19%
Market cap
$1.1B
P/E
10.9×
Fwd P/E
8.8×
Dividend yield
1.09%
F-score
6/9
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 0.17
Total sells 4.53
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 1 — — — 1 — — —
Sell — 1 2 — — — 1 4 — 1 1 —
Insider Ownership 11.65%

Capital & Financial Ratios $m

Market Cap 1,080.00
Revenue 556.09
Net Income 86.63
Free Cash Flow 99.67
Net Debt (223.33)
Current Ratio 0.97
Debt/Equity 0.02
P/E ratio 10.91
Fwd P/E 8.79
P/S ratio 1.94
P/B ratio 1.12
Past 5Y EPS Growth 7.27%
This Y EPS Growth 43.93% (at or above 15%: strong)
Next Y EPS Growth 17.89% (at or above 15%: strong)
Next Y revenue growth (27.93%) (below 0%: weak)
Next 5Y EPS Growth 26.51% (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 47.46%
10-year low 10-year high
P/S against its own 10 years 46.44%
10-year low 10-year high
P/B against its own 10 years 51.83%
10-year low 10-year high

Dividends

Payout Ratio 0.12
Annual Dividend Rate 0.95
Annual Dividend Yield 1.09%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.15
0.20
0.25
0.35
2025 0.30
0.15
0.15
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
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 — 36.35 29.05 30.04 15.52 35.38 53.67 13.98 32.46 47.08

Analyst estimates 2026–2028

Powerpack
High — 51.30 55.00 48.76 51.09 107.14 115.78 61.04 69.56 82.48
People
People Employees 118 129 153 167 189 202 241 277 293 328
Revenue/emp, $m 0.42 0.56 0.63 0.84 0.85 0.98 1.19 1.46 1.68 1.61
Income, $m
Income, $m Revenue 50 72 96 140 160 197 287 403 492 527
Gross margin, % 87.72 87.97 86.77 77.09 88.65 91.73 89.01 62.17 56.26 59.78
EBT 8 24 37 44 58 90 97 107 97 102
EBT margin, % 16.25 32.72 38.27 31.38 36.18 45.47 33.72 26.51 19.72 19.26
Net income 5 12 26 30 39 61 59 77 67 71
Depreciation 1 1 2 2 5 5 10 7 (11) (11)
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
Earnings 1.38 2.40 3.12 3.63 4.76 6.64 5.42 6.95 5.97 6.71
Cash flow 4.00 6.21 3.33 4.77 10.62 4.14 7.86 3.84 13.28 8.37
Capex (0.32) (0.44) (0.24) (0.84) (0.48) (0.44) (1.76) (0.52) (0.24) (0.59)
Free cash flow 3.68 5.77 3.09 3.93 10.14 3.69 6.10 3.32 13.04 7.78
Book value 30.08 46.71 32.52 36.59 41.45 61.81 52.69 59.59 65.29 70.14
Shares, m 4 5 8 8 8 9 11 11 11 11
Valuation, ×
Valuation, × P/E 15.92 18.46 9.89 13.29 7.64 16.12 10.68 7.36 9.78 11.31
P/S 2.79 3.20 2.61 2.81 1.86 4.87 2.21 1.40 1.33 1.53
P/B 1.42 0.97 0.95 1.32 0.88 1.72 1.10 0.86 0.89 1.09
EV/Sales (0.15) 0.50 2.37 1.54 (3.15) (6.81) 1.69 1.84 1.42 0.81
EV/FCF (0.36) 1.23 9.07 6.74 (6.05) (40.33) 7.27 20.28 4.80 5.17
Cash, $m
Cash, $m Operating cash flow 15 31 27 39 87 37 86 42 148 89
Capex (1) (2) (2) (7) (4) (4) (19) (6) (3) (6)
Free cash flow 13 29 25 32 83 33 67 37 146 82
Balance, $m
Balance, $m Working capital 130 260 418 241 114 (339) (289) 88 (22) (270)
Total debt 78 67 210 212 62 57 108 448 247 11
Net debt (5) (195) (23) (178) (803) (2,302) (150) 178 47 (383)
Shareholders’ equity 109 237 265 299 341 557 576 659 730 743
Returns, %
Returns, % ROA 0.14 0.82 1.29 1.07 1.02 1.05 0.89 1.15 0.93 0.91
ROIC 4.80 34.80 9.53 22.67 0.00 0.00 14.21 7.98 7.81 17.60
ROE 1.69 7.04 10.13 10.53 12.23 13.33 10.47 12.45 9.60 9.65
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
AMTB Amerant Bancorp Inc. $1.1B 20.7× 12.7× −9.98% (below 0%: shrinking) −1.82% (below 0%: shrinking) −30.03% (below 0%: shrinking) 65.49% 0.00% Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.8× 11.2× −0.76% (below 0%: shrinking) +20.29% (above 0%: growing) +4.85% (above 0%: growing) 66.82% 0.00% Compare
HFWA Heritage Financial Corporation $1.1B 12.9× 13.5× +33.70% (above 0%: growing) +16.67% (above 0%: growing) +0.66% (above 0%: growing) 78.63% 0.00% Compare
MCB Metropolitan Bank Holding Corp. $1.1B 10.9× 8.8× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00%
NBN Northeast Bancorp $1.1B 9.7× 8.2× +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 12.7× 12.1× +18.93% (above 0%: growing) +33.82% (above 0%: growing) +32.43% (above 0%: growing) 64.63% 0.00% Compare
CFFN Capitol Federal Financial $1.0B 12.6× 11.9× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.1× 9.9× +8.01% (above 0%: growing) 0.00% +80.82% (above 0%: growing) 65.76% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.3× 9.6× +5.11% (above 0%: growing) +7.91% (above 0%: growing) +246.97% (above 0%: growing) 70.02% 0.00% Compare
Median of peers $1.1B 12.2× 11.6× +6.43% +18.48% +18.64% 65.63% 0.00%

All 323 Banks Regional stocks →

Metropolitan Bank Holding Corp. (MCB) key facts

  • Strength: Metropolitan Bank Holding Corp.’s revenue for fiscal 2025 (year ended December 2025) was $527.1 million, up 7.10% from fiscal 2024.
  • Metropolitan Bank Holding Corp. (MCB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, MCB traded at $87.24, a market capitalization of $1.1 billion.
  • Metropolitan Bank Holding Corp. pays an annual dividend of $0.95 per share, a yield of 1.09%, with a payout ratio of 12.0%.
  • Return on equity was 9.65% and debt-to-equity 0.02.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Metropolitan Bank Holding Corp. (MCB) Latest News

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