Metropolitan Bank Holding Corp. (MCB) 10-Year Financial Performance & Capital Metrics

MCB • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutMetropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, and money market accounts, as well as certificates of deposit. It also provides lending products, including commercial real estate, construction, multi-family, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit card services. It operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York.Show more

Net Interest Income $253M +13.6%
Total Revenue $492M +22.0%
Net Income $67M -13.7%
Return on Equity 9.6% -23.3%
Net Interest Margin 3.47% +9.9%
Efficiency Ratio 35.26% +8.1%
ROA 0.93% -19.9%
Equity / Assets 10% +7.2%
Book Value per Share 64.84 +9.5%
Tangible BV/Share 64.84 +9.5%
Debt/Equity 0.63 -24.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.2%
✓Efficient operations: 35.3% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y28.51%

3Y35.7%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.22%

3Y3.27%

TTM6.39%

EPS CAGR

10Y-

5Y10.74%

3Y-2.76%

TTM8.47%

ROCE

10Y Avg9.16%

5Y Avg11.36%

3Y Avg9.47%

Latest7.33%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	27.42M	38.07M	52.19M	71.23M	97.61M	124.92M	157M	229.16M	222.84M	253.08M
NII Growth %	-	0.39%	0.37%	0.36%	0.37%	0.28%	0.26%	0.46%	-0.03%	0.14%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	32.68M	44.16M	60.75M	83.94M	129.78M	143.1M	173.28M	260.74M	375.4M	468.38M
Interest Expense	5.26M	6.09M	8.67M	12.72M	32.17M	18.18M	16.28M	31.58M	152.57M	215.29M
Loan Loss Provision	2.02M	8.06M	7.06M	3.14M	4.22M	9.49M	3.82M	10.12M	12.28M	6.26M
Non-Interest Income+	3.8M	5.02M	11.3M	12.16M	10.63M	17M	23.7M	26.59M	27.9M	23.83M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	36.48M	49.18M	72.05M	96.1M	140.41M	160.1M	196.98M	287.33M	403.31M	492.21M
Revenue Growth %	-	0.35%	0.47%	0.33%	0.46%	0.14%	0.23%	0.46%	0.4%	0.22%
Non-Interest Expense	22.38M	26.97M	32.74M	43.47M	59.95M	74.52M	87.31M	148.74M	131.54M	173.57M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	6.83M	8.06M	23.58M	36.77M	44.06M	57.92M	89.57M	96.9M	106.92M	97.08M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.18%	1.93%	0.56%	0.2%	0.31%	0.55%	0.08%	0.1%	-0.09%
Pretax Income+	6.83M	8.06M	23.58M	36.77M	44.06M	57.92M	89.57M	96.9M	106.92M	97.08M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.56M	3.04M	11.21M	11.22M	13.93M	18.45M	29.02M	37.47M	29.65M	30.39M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.17%	1.47%	1.07%	0.18%	0.31%	0.53%	-0.02%	0.3%	-0.14%
Net Income (Continuing)	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
EPS (Diluted)+	1.38	0.65	2.34	3.06	3.56	4.66	6.45	5.29	6.91	5.93
EPS Growth %	-	-0.53%	2.6%	0.31%	0.16%	0.31%	0.38%	-0.18%	0.31%	-0.14%
EPS (Basic)	1.38	0.65	2.40	3.12	3.63	4.76	6.64	5.42	6.95	5.96
Diluted Shares Outstanding	3.1M	7.73M	8.2M	8.35M	8.34M	8.4M	9.27M	11.2M	11.13M	11.26M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M	200.27M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0	1000K
Total Investments+	875.2M	1.1B	1.46B	1.91B	2.91B	3.38B	4.66B	5.78B	6.54B	6.92B
Investments Growth %	-	0.26%	0.32%	0.31%	0.53%	0.16%	0.38%	0.24%	0.13%	0.06%
Long-Term Investments	827.74M	1.06B	1.42B	1.88B	2.67B	3.12B	4.09B	5.78B	6.54B	6.85B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	9.73M	9.73M	9.73M	9.73M	9.73M	9.73M	9.73M	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	4.64M	5.04M	6.27M	6.88M	12.1M	13.47M	15.12M	31.87M	0	0
Other Assets	0	0	0	0	0	0	15.2M	116.47M	172.57M	183.29M
Total Current Assets	122.68M	143.71M	319.74M	290.79M	661.68M	1.19B	2.98B	343.02M	357.11M	267.16M
Total Non-Current Assets	842.11M	1.08B	1.44B	1.89B	2.7B	3.14B	4.13B	5.92B	6.71B	7.03B
Total Assets+	964.79M	1.22B	1.76B	2.18B	3.36B	4.33B	7.12B	6.27B	7.07B	7.3B
Asset Growth %	-	0.26%	0.44%	0.24%	0.54%	0.29%	0.64%	-0.12%	0.13%	0.03%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	5.8M	11.13M	22.43M	19.72M	24.79M	62.36M	37.16M	0	0	0
Total Debt+	116.77M	78.42M	66.69M	209.54M	211.57M	61.62M	57.17M	257.73M	546.59M	457.44M
Net Debt	51.12M	-4.51M	-194.54M	-23.41M	-177.65M	-802.68M	-2.3B	307K	277.12M	257.17M
Long-Term Debt	116.77M	78.42M	66.69M	209.54M	211.57M	61.62M	57.17M	257.73M	546.59M	457.44M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	229K	6.86M	8.88M	7.69M	31.32M	36.45M	29.47M	155.8M	124.77M	130.51M
Total Current Liabilities	771.84M	1.03B	1.45B	1.7B	2.82B	3.89B	6.47B	5.28B	5.74B	5.98B
Total Non-Current Liabilities	117M	85.28M	75.57M	217.23M	242.89M	98.07M	86.64M	413.53M	671.36M	587.95M
Total Liabilities	888.84M	1.11B	1.52B	1.92B	3.06B	3.99B	6.56B	5.69B	6.41B	6.57B
Total Equity+	75.95M	109.49M	236.88M	264.52M	299.12M	340.79M	556.99M	575.9M	659.02M	729.83M
Equity Growth %	-	0.44%	1.16%	0.12%	0.13%	0.14%	0.63%	0.03%	0.14%	0.11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.05%	0.07%	0.1%	0.11%	0.12%	0.13%	0.1%	0.13%	0.1%
Book Value per Share	24.49	14.16	28.90	31.67	35.87	40.58	60.07	51.42	59.21	64.84
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	30K	45K	81K	82K	82K	82K	109K	109K	111K	112K
Additional Paid-in Capital	63.8M	96.12M	211.15M	213.49M	216.47M	218.9M	383M	389.28M	395.87M	400.19M
Retained Earnings	12.11M	13.49M	25.86M	51.41M	81.36M	120.83M	181.38M	240.81M	315.98M	382.66M
Accumulated OCI	16K	-165K	-206K	-473K	1.21M	973K	-7.5M	-54.3M	-52.94M	-53.13M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	5K	3K	3K	3K	3K	3K	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.44M	14.56M	31.47M	27.06M	38.96M	87.27M	37.28M	85.89M	42.43M	148.46M
Operating CF Growth %	-	1.67%	1.16%	-0.14%	0.44%	1.24%	-0.57%	1.3%	-0.51%	2.5%
Net Income	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
Depreciation & Amortization	696K	785K	978K	1.35M	1.61M	4.6M	5.06M	9.71M	7.14M	-11.41M
Deferred Taxes	-455K	-913K	790K	-1.53M	-1.86M	290K	-120K	-4M	-2.8M	-2.8M
Other Non-Cash Items	1.5M	8.36M	7.34M	4.55M	7.46M	6.6M	5.58M	10.34M	12.21M	3.27M
Working Capital Changes	-1.01M	-1.01M	9.59M	-5.02M	-1.45M	33M	-38.62M	2.58M	-61.16M	83.81M
Cash from Investing+	-187.07M	-233.66M	-366.62M	-454.57M	-1.01B	-489.04M	-1.3B	-1.23B	-775.45M	-369.61M
Purchase of Investments	-10.52M	-4.41M	-9.76M	-20.55M	-237.87M	-238.49M	-868.41M	-207.4M	-71.4M	-72.81M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-184.6M	-240.42M	-369.25M	-443.85M	-807.46M	-464.94M	-602.1M	-1.12B	-806.59M	-387.06M
Cash from Financing+	201.62M	236.39M	513.45M	399.23M	1.13B	876.85M	2.76B	-958.47M	745.07M	151.96M
Dividends Paid	0	-3.42M	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-132K	-89K	-881K	-3.38M	-1.56M	-3.17M	-4.58M
Stock Issued	12.61M	28.37M	114.77M	0	0	0	162.69M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	156.79M	227.74M	410.45M	256.56M	1.13B	1.03B	2.61B	-1.16B	459.38M	245.68M
Net Change in Cash+	19.99M	17.28M	178.3M	-28.28M	156.27M	475.08M	1.5B	-2.1B	12.05M	-69.2M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	45.66M	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M
Cash at End	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M	200.27M
Interest Paid	5.03M	6.18M	8.15M	12.18M	32.22M	18.69M	16.25M	31.6M	151.4M	215.38M
Income Taxes Paid	3.27M	5.27M	8.79M	13.79M	15.19M	19.09M	24.16M	35.3M	36.17M	34.8M
Free Cash Flow+	3.71M	13.38M	29.26M	25.1M	32.12M	83.36M	33.28M	66.65M	36.68M	145.83M
FCF Growth %	-	2.6%	1.19%	-0.14%	0.28%	1.6%	-0.6%	1%	-0.45%	2.98%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.62%	5.41%	7.14%	10.19%	10.69%	12.33%	13.49%	10.49%	12.51%	9.6%
Return on Assets (ROA)	0.44%	0.46%	0.83%	1.3%	1.09%	1.03%	1.06%	0.89%	1.16%	0.93%
Net Interest Margin	2.84%	3.12%	2.97%	3.26%	2.91%	2.88%	2.21%	3.66%	3.15%	3.47%
Efficiency Ratio	61.34%	54.84%	45.45%	45.23%	42.7%	46.54%	44.33%	51.76%	32.61%	35.26%
Equity / Assets	7.87%	8.97%	13.46%	12.12%	8.91%	7.87%	7.83%	9.19%	9.32%	10%
Book Value / Share	24.49	14.16	28.9	31.67	35.87	40.58	60.07	51.42	59.21	64.84
NII Growth	-	38.82%	37.11%	36.47%	37.04%	27.98%	25.68%	45.96%	-2.76%	13.57%

Revenue by Segment

	2019	2020	2021	2022	2023	2024
Service charges on deposit accounts	-	-	4.75M	5.75M	6.07M	8.27M
Service charges on deposit accounts Growth	-	-	-	20.86%	5.64%	36.20%
Other service charges and fees	-	-	1.95M	1.76M	2.8M	2.31M
Other service charges and fees Growth	-	-	-	-9.59%	59.05%	-17.55%
Global payments revenue	-	-	16.45M	19.34M	-	-
Global payments revenue Growth	-	-	-	17.61%	-	-
Debit Card	5.64M	8.46M	-	-	-	-
Debit Card Growth	-	49.99%	-	-	-	-
Deposit Account	3.56M	3.73M	-	-	-	-
Deposit Account Growth	-	4.84%	-	-	-	-
Financial Service Other	1.37M	1.48M	-	-	-	-
Financial Service Other Growth	-	8.13%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Metropolitan Bank Holding Corp. (MCB) has a price-to-earnings (P/E) ratio of 13.9x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Metropolitan Bank Holding Corp. (MCB) grew revenue by 22.0% over the past year. This is strong growth.

Yes, Metropolitan Bank Holding Corp. (MCB) is profitable, generating $63.7M in net income for fiscal year 2024 (13.5% net margin).

Dividend & Returns

Metropolitan Bank Holding Corp. (MCB) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

Metropolitan Bank Holding Corp. (MCB) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

Metropolitan Bank Holding Corp. (MCB) has an efficiency ratio of 35.3%. This is excellent, indicating strong cost control.

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Metropolitan Bank Holding Corp. (MCB) 10-Year Financial Performance & Capital Metrics

MCB • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

Net Interest Income $253M +13.6%
Total Revenue $492M +22.0%
Net Income $67M -13.7%
Return on Equity 9.6% -23.3%
Net Interest Margin 3.47% +9.9%
Efficiency Ratio 35.26% +8.1%
ROA 0.93% -19.9%
Equity / Assets 10% +7.2%
Book Value per Share 64.84 +9.5%
Tangible BV/Share 64.84 +9.5%
Debt/Equity 0.63 -24.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.2%
✓Efficient operations: 35.3% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y28.51%

3Y35.7%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.22%

3Y3.27%

TTM6.39%

EPS CAGR

10Y-

5Y10.74%

3Y-2.76%

TTM8.47%

ROCE

10Y Avg9.16%

5Y Avg11.36%

3Y Avg9.47%

Latest7.33%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	27.42M	38.07M	52.19M	71.23M	97.61M	124.92M	157M	229.16M	222.84M	253.08M
NII Growth %	-	0.39%	0.37%	0.36%	0.37%	0.28%	0.26%	0.46%	-0.03%	0.14%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	32.68M	44.16M	60.75M	83.94M	129.78M	143.1M	173.28M	260.74M	375.4M	468.38M
Interest Expense	5.26M	6.09M	8.67M	12.72M	32.17M	18.18M	16.28M	31.58M	152.57M	215.29M
Loan Loss Provision	2.02M	8.06M	7.06M	3.14M	4.22M	9.49M	3.82M	10.12M	12.28M	6.26M
Non-Interest Income+	3.8M	5.02M	11.3M	12.16M	10.63M	17M	23.7M	26.59M	27.9M	23.83M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	36.48M	49.18M	72.05M	96.1M	140.41M	160.1M	196.98M	287.33M	403.31M	492.21M
Revenue Growth %	-	0.35%	0.47%	0.33%	0.46%	0.14%	0.23%	0.46%	0.4%	0.22%
Non-Interest Expense	22.38M	26.97M	32.74M	43.47M	59.95M	74.52M	87.31M	148.74M	131.54M	173.57M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	6.83M	8.06M	23.58M	36.77M	44.06M	57.92M	89.57M	96.9M	106.92M	97.08M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.18%	1.93%	0.56%	0.2%	0.31%	0.55%	0.08%	0.1%	-0.09%
Pretax Income+	6.83M	8.06M	23.58M	36.77M	44.06M	57.92M	89.57M	96.9M	106.92M	97.08M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.56M	3.04M	11.21M	11.22M	13.93M	18.45M	29.02M	37.47M	29.65M	30.39M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.17%	1.47%	1.07%	0.18%	0.31%	0.53%	-0.02%	0.3%	-0.14%
Net Income (Continuing)	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
EPS (Diluted)+	1.38	0.65	2.34	3.06	3.56	4.66	6.45	5.29	6.91	5.93
EPS Growth %	-	-0.53%	2.6%	0.31%	0.16%	0.31%	0.38%	-0.18%	0.31%	-0.14%
EPS (Basic)	1.38	0.65	2.40	3.12	3.63	4.76	6.64	5.42	6.95	5.96
Diluted Shares Outstanding	3.1M	7.73M	8.2M	8.35M	8.34M	8.4M	9.27M	11.2M	11.13M	11.26M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M	200.27M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0	1000K
Total Investments+	875.2M	1.1B	1.46B	1.91B	2.91B	3.38B	4.66B	5.78B	6.54B	6.92B
Investments Growth %	-	0.26%	0.32%	0.31%	0.53%	0.16%	0.38%	0.24%	0.13%	0.06%
Long-Term Investments	827.74M	1.06B	1.42B	1.88B	2.67B	3.12B	4.09B	5.78B	6.54B	6.85B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	9.73M	9.73M	9.73M	9.73M	9.73M	9.73M	9.73M	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
PP&E (Net)	4.64M	5.04M	6.27M	6.88M	12.1M	13.47M	15.12M	31.87M	0	0
Other Assets	0	0	0	0	0	0	15.2M	116.47M	172.57M	183.29M
Total Current Assets	122.68M	143.71M	319.74M	290.79M	661.68M	1.19B	2.98B	343.02M	357.11M	267.16M
Total Non-Current Assets	842.11M	1.08B	1.44B	1.89B	2.7B	3.14B	4.13B	5.92B	6.71B	7.03B
Total Assets+	964.79M	1.22B	1.76B	2.18B	3.36B	4.33B	7.12B	6.27B	7.07B	7.3B
Asset Growth %	-	0.26%	0.44%	0.24%	0.54%	0.29%	0.64%	-0.12%	0.13%	0.03%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	5.8M	11.13M	22.43M	19.72M	24.79M	62.36M	37.16M	0	0	0
Total Debt+	116.77M	78.42M	66.69M	209.54M	211.57M	61.62M	57.17M	257.73M	546.59M	457.44M
Net Debt	51.12M	-4.51M	-194.54M	-23.41M	-177.65M	-802.68M	-2.3B	307K	277.12M	257.17M
Long-Term Debt	116.77M	78.42M	66.69M	209.54M	211.57M	61.62M	57.17M	257.73M	546.59M	457.44M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	229K	6.86M	8.88M	7.69M	31.32M	36.45M	29.47M	155.8M	124.77M	130.51M
Total Current Liabilities	771.84M	1.03B	1.45B	1.7B	2.82B	3.89B	6.47B	5.28B	5.74B	5.98B
Total Non-Current Liabilities	117M	85.28M	75.57M	217.23M	242.89M	98.07M	86.64M	413.53M	671.36M	587.95M
Total Liabilities	888.84M	1.11B	1.52B	1.92B	3.06B	3.99B	6.56B	5.69B	6.41B	6.57B
Total Equity+	75.95M	109.49M	236.88M	264.52M	299.12M	340.79M	556.99M	575.9M	659.02M	729.83M
Equity Growth %	-	0.44%	1.16%	0.12%	0.13%	0.14%	0.63%	0.03%	0.14%	0.11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.05%	0.07%	0.1%	0.11%	0.12%	0.13%	0.1%	0.13%	0.1%
Book Value per Share	24.49	14.16	28.90	31.67	35.87	40.58	60.07	51.42	59.21	64.84
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	30K	45K	81K	82K	82K	82K	109K	109K	111K	112K
Additional Paid-in Capital	63.8M	96.12M	211.15M	213.49M	216.47M	218.9M	383M	389.28M	395.87M	400.19M
Retained Earnings	12.11M	13.49M	25.86M	51.41M	81.36M	120.83M	181.38M	240.81M	315.98M	382.66M
Accumulated OCI	16K	-165K	-206K	-473K	1.21M	973K	-7.5M	-54.3M	-52.94M	-53.13M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	5K	3K	3K	3K	3K	3K	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.44M	14.56M	31.47M	27.06M	38.96M	87.27M	37.28M	85.89M	42.43M	148.46M
Operating CF Growth %	-	1.67%	1.16%	-0.14%	0.44%	1.24%	-0.57%	1.3%	-0.51%	2.5%
Net Income	4.27M	5.01M	12.37M	25.55M	30.13M	39.47M	60.55M	59.42M	77.27M	66.69M
Depreciation & Amortization	696K	785K	978K	1.35M	1.61M	4.6M	5.06M	9.71M	7.14M	-11.41M
Deferred Taxes	-455K	-913K	790K	-1.53M	-1.86M	290K	-120K	-4M	-2.8M	-2.8M
Other Non-Cash Items	1.5M	8.36M	7.34M	4.55M	7.46M	6.6M	5.58M	10.34M	12.21M	3.27M
Working Capital Changes	-1.01M	-1.01M	9.59M	-5.02M	-1.45M	33M	-38.62M	2.58M	-61.16M	83.81M
Cash from Investing+	-187.07M	-233.66M	-366.62M	-454.57M	-1.01B	-489.04M	-1.3B	-1.23B	-775.45M	-369.61M
Purchase of Investments	-10.52M	-4.41M	-9.76M	-20.55M	-237.87M	-238.49M	-868.41M	-207.4M	-71.4M	-72.81M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-184.6M	-240.42M	-369.25M	-443.85M	-807.46M	-464.94M	-602.1M	-1.12B	-806.59M	-387.06M
Cash from Financing+	201.62M	236.39M	513.45M	399.23M	1.13B	876.85M	2.76B	-958.47M	745.07M	151.96M
Dividends Paid	0	-3.42M	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-132K	-89K	-881K	-3.38M	-1.56M	-3.17M	-4.58M
Stock Issued	12.61M	28.37M	114.77M	0	0	0	162.69M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	156.79M	227.74M	410.45M	256.56M	1.13B	1.03B	2.61B	-1.16B	459.38M	245.68M
Net Change in Cash+	19.99M	17.28M	178.3M	-28.28M	156.27M	475.08M	1.5B	-2.1B	12.05M	-69.2M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	45.66M	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M
Cash at End	65.65M	82.93M	261.23M	232.95M	389.22M	864.3M	2.36B	257.42M	269.46M	200.27M
Interest Paid	5.03M	6.18M	8.15M	12.18M	32.22M	18.69M	16.25M	31.6M	151.4M	215.38M
Income Taxes Paid	3.27M	5.27M	8.79M	13.79M	15.19M	19.09M	24.16M	35.3M	36.17M	34.8M
Free Cash Flow+	3.71M	13.38M	29.26M	25.1M	32.12M	83.36M	33.28M	66.65M	36.68M	145.83M
FCF Growth %	-	2.6%	1.19%	-0.14%	0.28%	1.6%	-0.6%	1%	-0.45%	2.98%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.62%	5.41%	7.14%	10.19%	10.69%	12.33%	13.49%	10.49%	12.51%	9.6%
Return on Assets (ROA)	0.44%	0.46%	0.83%	1.3%	1.09%	1.03%	1.06%	0.89%	1.16%	0.93%
Net Interest Margin	2.84%	3.12%	2.97%	3.26%	2.91%	2.88%	2.21%	3.66%	3.15%	3.47%
Efficiency Ratio	61.34%	54.84%	45.45%	45.23%	42.7%	46.54%	44.33%	51.76%	32.61%	35.26%
Equity / Assets	7.87%	8.97%	13.46%	12.12%	8.91%	7.87%	7.83%	9.19%	9.32%	10%
Book Value / Share	24.49	14.16	28.9	31.67	35.87	40.58	60.07	51.42	59.21	64.84
NII Growth	-	38.82%	37.11%	36.47%	37.04%	27.98%	25.68%	45.96%	-2.76%	13.57%

Revenue by Segment

	2019	2020	2021	2022	2023	2024
Service charges on deposit accounts	-	-	4.75M	5.75M	6.07M	8.27M
Service charges on deposit accounts Growth	-	-	-	20.86%	5.64%	36.20%
Other service charges and fees	-	-	1.95M	1.76M	2.8M	2.31M
Other service charges and fees Growth	-	-	-	-9.59%	59.05%	-17.55%
Global payments revenue	-	-	16.45M	19.34M	-	-
Global payments revenue Growth	-	-	-	17.61%	-	-
Debit Card	5.64M	8.46M	-	-	-	-
Debit Card Growth	-	49.99%	-	-	-	-
Deposit Account	3.56M	3.73M	-	-	-	-
Deposit Account Growth	-	4.84%	-	-	-	-
Financial Service Other	1.37M	1.48M	-	-	-	-
Financial Service Other Growth	-	8.13%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Metropolitan Bank Holding Corp. (MCB) has a price-to-earnings (P/E) ratio of 13.9x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Metropolitan Bank Holding Corp. (MCB) grew revenue by 22.0% over the past year. This is strong growth.

Yes, Metropolitan Bank Holding Corp. (MCB) is profitable, generating $63.7M in net income for fiscal year 2024 (13.5% net margin).

Dividend & Returns

Metropolitan Bank Holding Corp. (MCB) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

Metropolitan Bank Holding Corp. (MCB) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

Metropolitan Bank Holding Corp. (MCB) has an efficiency ratio of 35.3%. This is excellent, indicating strong cost control.