8-K Announcements
6Apr 21, 2026·SEC
Apr 20, 2026·SEC
Mar 16, 2026·SEC
Metropolitan Bank Holding Corp. (MCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Metropolitan Bank Holding Corp. (MCB) stock price & volume — 10-year historical chart
Metropolitan Bank Holding Corp. (MCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Metropolitan Bank Holding Corp. (MCB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $2.92vs $2.31+26.4% | $88Mvs $87M+1.4% |
| Q1 2026 | Jan 20, 2026 | $2.77vs $2.20+25.9% | $88Mvs $83M+6.3% |
| Q4 2025 | Oct 23, 2025 | $0.67vs $2.08-67.8% | $80Mvs $78M+2.0% |
| Q3 2025 | Jul 17, 2025 | $1.76vs $1.62+8.6% | $76Mvs $78M-2.6% |
Metropolitan Bank Holding Corp. (MCB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Metropolitan Bank Holding Corp. (MCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Metropolitan Bank Holding Corp. (MCB) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 52.19M | 71.23M | 97.61M | 124.92M | 157M | 229.16M | 222.84M | 253.08M | 303.24M |
NII Growth % | 37.11% | 36.47% | 37.04% | 27.98% | 25.68% | 45.96% | -2.76% | 13.57% | 19.82% |
Net Interest Margin % | 2.97% | 3.26% | 2.91% | 2.88% | 2.21% | 3.66% | 3.15% | 3.47% | 3.67% |
Interest Income | 60.75M | 83.94M | 129.78M | 143.1M | 173.28M | 260.74M | 375.4M | 468.38M | 515.28M |
Interest Expense | 8.67M | 12.72M | 32.17M | 18.18M | 16.28M | 31.58M | 152.57M | 215.29M | 212.04M |
Loan Loss Provision | 7.06M | 3.14M | 4.22M | 9.49M | 3.82M | 10.12M | 12.28M | 6.26M | 37.59M |
Non-Interest Income | 11.3M | 12.16M | 10.63M | 17M | 23.7M | 26.59M | 27.9M | 23.83M | 11.87M |
Non-Interest Income % | 15.68% | 12.65% | 7.57% | 10.62% | 12.03% | 9.26% | 6.92% | 4.84% | 2.25% |
Total Revenue | 72.05M▲ 0% | 96.1M▲ 33.4% | 140.41M▲ 46.1% | 160.1M▲ 14.0% | 196.98M▲ 23.0% | 287.33M▲ 45.9% | 403.31M▲ 40.4% | 492.21M▲ 22.0% | 527.15M▲ 7.1% |
Revenue Growth % | 46.52% | 33.38% | 46.11% | 14.02% | 23.04% | 45.87% | 40.36% | 22.04% | 7.1% |
Non-Interest Expense | 32.74M | 43.47M | 59.95M | 74.52M | 87.31M | 148.74M | 131.54M | 173.57M | 176M |
Efficiency Ratio | 45.45% | 45.23% | 42.7% | 46.54% | 44.33% | 51.76% | 32.61% | 35.26% | 33.39% |
Operating Income | 23.58M▲ 0% | 36.77M▲ 56.0% | 44.06M▲ 19.8% | 57.92M▲ 31.4% | 89.57M▲ 54.6% | 96.9M▲ 8.2% | 106.92M▲ 10.3% | 97.08M▼ 9.2% | 101.51M▲ 4.6% |
Operating Margin % | 32.72% | 38.27% | 31.38% | 36.18% | 45.47% | 33.72% | 26.51% | 19.72% | 19.26% |
Operating Income Growth % | 192.6% | 55.97% | 19.81% | 31.45% | 54.65% | 8.18% | 10.34% | -9.2% | 4.56% |
Pretax Income | 23.58M▲ 0% | 36.77M▲ 56.0% | 44.06M▲ 19.8% | 57.92M▲ 31.4% | 89.57M▲ 54.6% | 96.9M▲ 8.2% | 106.92M▲ 10.3% | 97.08M▼ 9.2% | 101.51M▲ 4.6% |
Pretax Margin % | 32.72% | 38.27% | 31.38% | 36.18% | 45.47% | 33.72% | 26.51% | 19.72% | 19.26% |
Income Tax | 11.21M | 11.22M | 13.93M | 18.45M | 29.02M | 37.47M | 29.65M | 30.39M | 30.41M |
Effective Tax Rate % | 47.54% | 30.51% | 31.61% | 31.86% | 32.39% | 38.67% | 27.73% | 31.31% | 29.96% |
Net Income | 12.37M▲ 0% | 25.55M▲ 106.6% | 30.13M▲ 17.9% | 39.47M▲ 31.0% | 60.55M▲ 53.4% | 59.42M▼ 1.9% | 77.27M▲ 30.0% | 66.69M▼ 13.7% | 71.1M▲ 6.6% |
Net Margin % | 17.17% | 26.59% | 21.46% | 24.65% | 30.74% | 20.68% | 19.16% | 13.55% | 13.49% |
Net Income Growth % | 146.74% | 106.6% | 17.92% | 30.97% | 53.44% | -1.87% | 30.03% | -13.7% | 6.62% |
Net Income (Continuing) | 12.37M | 25.55M | 30.13M | 39.47M | 60.55M | 59.42M | 77.27M | 66.69M | 71.1M |
EPS (Diluted) | 2.34▲ 0% | 3.06▲ 30.8% | 3.56▲ 16.3% | 4.66▲ 30.9% | 6.45▲ 38.4% | 5.29▼ 18.0% | 6.91▲ 30.6% | 5.93▼ 14.2% | 6.62▲ 11.6% |
EPS Growth % | 260% | 30.77% | 16.34% | 30.9% | 38.41% | -17.98% | 30.62% | -14.18% | 11.64% |
EPS (Basic) | 2.40 | 3.12 | 3.63 | 4.76 | 6.64 | 5.42 | 6.95 | 5.96 | 6.71 |
Diluted Shares Outstanding | 8.2M | 8.35M | 8.34M | 8.4M | 9.27M | 11.2M | 11.13M | 11.26M | 10.74M |
Metropolitan Bank Holding Corp. (MCB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 293.39M | 265.5M | 624.16M | 1.13B | 2.93B | 257.42M | 269.46M | 267.16M | 591.02M |
Cash & Due from Banks | 261.23M | 232.95M | 389.22M | 864.3M | 2.36B | 257.42M | 269.46M | 200.27M | 393.59M |
Short Term Investments | 32.16M | 30.44M | 234.94M | 266.1M | 566.62M | 0 | 0 | 66.89M | 551.05M |
Total Investments | 1.46B | 1.91B | 2.91B | 3.38B | 4.66B | 5.78B | 6.54B | 6.92B | 7.67B |
Investments Growth % | 32.49% | 30.86% | 52.65% | 16.34% | 37.7% | 23.94% | 13.19% | 5.8% | 10.95% |
Long-Term Investments | 1.42B | 1.88B | 2.67B | 3.12B | 4.09B | 5.78B | 6.54B | 6.85B | 7.12B |
Accounts Receivables | 11.02M | 11.03M | 8.86M | 13.25M | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 0 | 0 | 0 | 0 |
Goodwill | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 6.27M | 6.88M | 12.1M | 13.47M | 15.12M | 31.87M | 0 | 0 | 83.34M |
Other Assets | 0 | 0 | 0 | 0 | 15.2M | 116.47M | 172.57M | 183.29M | 984.77M |
Total Current Assets | 319.74M | 290.79M | 661.68M | 1.19B | 2.98B | 343.02M | 357.11M | 267.16M | 591.02M |
Total Non-Current Assets | 1.44B | 1.89B | 2.7B | 3.14B | 4.13B | 5.92B | 6.71B | 7.03B | 8.26B |
Total Assets | 1.76B▲ 0% | 2.18B▲ 24.0% | 3.36B▲ 53.8% | 4.33B▲ 29.0% | 7.12B▲ 64.3% | 6.27B▼ 11.9% | 7.07B▲ 12.8% | 7.3B▲ 3.3% | 8.26B▲ 13.1% |
Asset Growth % | 44.21% | 24.02% | 53.83% | 28.99% | 64.32% | -11.93% | 12.77% | 3.3% | 13.08% |
Return on Assets (ROA) | 0.83% | 1.3% | 1.09% | 1.03% | 1.06% | 0.89% | 1.16% | 0.93% | 0.91% |
Accounts Payable | 22.43M | 19.72M | 24.79M | 62.36M | 37.16M | 0 | 0 | 0 | 0 |
Total Debt | 66.69M | 209.54M | 211.57M | 61.62M | 57.17M | 257.73M | 546.59M | 457.44M | 80.93M |
Net Debt | -194.54M | -23.41M | -177.65M | -802.68M | -2.3B | 307K | 277.12M | 257.17M | -361.99M |
Long-Term Debt | 66.69M | 209.54M | 211.57M | 61.62M | 57.17M | 257.73M | 546.59M | 457.44M | 31.59M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.38M |
Other Liabilities | 8.88M | 7.69M | 31.32M | 36.45M | 29.47M | 155.8M | 124.77M | 130.51M | 7.51B |
Total Current Liabilities | 1.45B | 1.7B | 2.82B | 3.89B | 6.47B | 5.28B | 5.74B | 5.98B | 5.38M |
Total Non-Current Liabilities | 75.57M | 217.23M | 242.89M | 98.07M | 86.64M | 413.53M | 671.36M | 587.95M | 7.51B |
Total Liabilities | 1.52B | 1.92B | 3.06B | 3.99B | 6.56B | 5.69B | 6.41B | 6.57B | 7.51B |
Total Equity | 236.88M▲ 0% | 264.52M▲ 11.7% | 299.12M▲ 13.1% | 340.79M▲ 13.9% | 556.99M▲ 63.4% | 575.9M▲ 3.4% | 659.02M▲ 14.4% | 729.83M▲ 10.7% | 743.11M▲ 1.8% |
Equity Growth % | 116.35% | 11.67% | 13.08% | 13.93% | 63.44% | 3.39% | 14.43% | 10.74% | 1.82% |
Equity / Assets (Capital Ratio) | 13.46% | 12.12% | 8.91% | 7.87% | 7.83% | 9.19% | 9.32% | 10% | 9% |
Return on Equity (ROE) | 7.14% | 10.19% | 10.69% | 12.33% | 13.49% | 10.49% | 12.51% | 9.6% | 9.65% |
Book Value per Share | 28.90 | 31.67 | 35.87 | 40.58 | 60.07 | 51.42 | 59.21 | 64.84 | 69.18 |
Tangible BV per Share | 27.71 | 30.51 | 34.70 | 39.42 | 59.02 | 51.42 | 59.21 | 64.84 | 69.18 |
Common Stock | 81K | 82K | 82K | 82K | 109K | 109K | 111K | 112K | 113K |
Additional Paid-in Capital | 211.15M | 213.49M | 216.47M | 218.9M | 383M | 389.28M | 395.87M | 400.19M | 405.56M |
Retained Earnings | 25.86M | 51.41M | 81.36M | 120.83M | 181.38M | 240.81M | 315.98M | 382.66M | 450.64M |
Accumulated OCI | -206K | -473K | 1.21M | 973K | -7.5M | -54.3M | -52.94M | -53.13M | -39.74M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -73.47M |
Preferred Stock | 3K | 3K | 3K | 3K | 0 | 0 | 0 | 0 | 0 |
Metropolitan Bank Holding Corp. (MCB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 31.47M | 27.06M | 38.96M | 87.27M | 37.28M | 85.89M | 42.43M | 148.46M | 88.68M |
Operating CF Growth % | 116.19% | -14.02% | 43.96% | 124.02% | -57.29% | 130.41% | -50.6% | 249.92% | -40.27% |
Net Income | 12.37M | 25.55M | 30.13M | 39.47M | 60.55M | 59.42M | 77.27M | 66.69M | 71.1M |
Depreciation & Amortization | 978K | 1.35M | 1.61M | 4.6M | 5.06M | 9.71M | 7.14M | -11.41M | 0 |
Deferred Taxes | 790K | -1.53M | -1.86M | 290K | -120K | -4M | -2.8M | -2.8M | 0 |
Other Non-Cash Items | 7.34M | 4.55M | 7.46M | 6.6M | 5.58M | 10.34M | 12.21M | 3.27M | 25.03M |
Working Capital Changes | 9.59M | -5.02M | -1.45M | 33M | -38.62M | 2.58M | -61.16M | 83.81M | -7.45M |
Cash from Investing | -366.62M | -454.57M | -1.01B | -489.04M | -1.3B | -1.23B | -775.45M | -369.61M | -762.96M |
Purchase of Investments | -9.76M | -20.55M | -237.87M | -238.49M | -868.41M | -207.4M | -71.4M | -72.81M | 0 |
Sale/Maturity of Investments | 14.6M | 11.8M | 37.38M | 218.31M | 171.51M | 121.37M | 108.3M | 92.89M | 0 |
Net Investment Activity | 4.83M | -8.76M | -200.49M | -20.18M | -696.9M | -86.03M | 36.89M | 20.08M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -369.25M | -443.85M | -807.46M | -464.94M | -602.1M | -1.12B | -806.59M | -387.06M | -762.96M |
Cash from Financing | 513.45M | 399.23M | 1.13B | 876.85M | 2.76B | -958.47M | 745.07M | 151.96M | 867.6M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.12M |
Share Repurchases | 0 | -132K | -89K | -881K | -3.38M | -1.56M | -3.17M | -4.58M | -73.47M |
Stock Issued | 114.77M | 0 | 0 | 0 | 162.69M | 0 | 0 | 0 | 0 |
Net Stock Activity | 114.77M | -132K | -89K | -881K | 159.3M | -1.56M | -3.17M | -4.58M | -73.47M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 410.45M | 256.56M | 1.13B | 1.03B | 2.61B | -1.16B | 459.38M | 245.68M | 1.39B |
Net Change in Cash | 178.3M▲ 0% | -28.28M▼ 115.9% | 156.27M▲ 652.6% | 475.08M▲ 204.0% | 1.5B▲ 214.7% | -2.1B▼ 240.6% | 12.05M▲ 100.6% | -69.2M▼ 674.4% | 193.32M▲ 379.4% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 82.93M | 261.23M | 232.95M | 389.22M | 864.3M | 2.36B | 257.42M | 269.46M | 200.27M |
Cash at End | 261.23M | 232.95M | 389.22M | 864.3M | 2.36B | 257.42M | 269.46M | 200.27M | 393.59M |
Interest Paid | 8.15M | 12.18M | 32.22M | 18.69M | 16.25M | 31.6M | 151.4M | 215.38M | 212.22M |
Income Taxes Paid | 8.79M | 13.79M | 15.19M | 19.09M | 24.16M | 35.3M | 36.17M | 34.8M | 25.85M |
Free Cash Flow | 29.26M▲ 0% | 25.1M▼ 14.2% | 32.12M▲ 28.0% | 83.36M▲ 159.5% | 33.28M▼ 60.1% | 66.65M▲ 100.2% | 36.68M▼ 45.0% | 145.83M▲ 297.6% | 82.42M▼ 43.5% |
FCF Growth % | 118.73% | -14.24% | 27.99% | 159.52% | -60.07% | 100.25% | -44.97% | 297.6% | -43.48% |
Metropolitan Bank Holding Corp. (MCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.41% | 7.14% | 10.19% | 10.69% | 12.33% | 13.49% | 10.49% | 12.51% | 9.6% | 9.65% |
| Return on Assets (ROA) | 0.46% | 0.83% | 1.3% | 1.09% | 1.03% | 1.06% | 0.89% | 1.16% | 0.93% | 0.91% |
| Net Interest Margin | 3.12% | 2.97% | 3.26% | 2.91% | 2.88% | 2.21% | 3.66% | 3.15% | 3.47% | 3.67% |
| Efficiency Ratio | 54.84% | 45.45% | 45.23% | 42.7% | 46.54% | 44.33% | 51.76% | 32.61% | 35.26% | 33.39% |
| Equity / Assets | 8.97% | 13.46% | 12.12% | 8.91% | 7.87% | 7.83% | 9.19% | 9.32% | 10% | 9% |
| Book Value / Share | 14.16 | 28.9 | 31.67 | 35.87 | 40.58 | 60.07 | 51.42 | 59.21 | 64.84 | 69.18 |
| NII Growth | 38.82% | 37.11% | 36.47% | 37.04% | 27.98% | 25.68% | 45.96% | -2.76% | 13.57% | 19.82% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 4.39% |
Metropolitan Bank Holding Corp. (MCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 21, 2026·SEC
Apr 20, 2026·SEC
Mar 16, 2026·SEC
Metropolitan Bank Holding Corp. (MCB) stock FAQ — growth, dividends, profitability & financials explained
Metropolitan Bank Holding Corp. (MCB) grew revenue by 7.1% over the past year. This is steady growth.
Yes, Metropolitan Bank Holding Corp. (MCB) is profitable, generating $71.1M in net income for fiscal year 2025 (13.5% net margin).
Yes, Metropolitan Bank Holding Corp. (MCB) pays a dividend with a yield of 0.30%. This makes it attractive for income-focused investors.
Metropolitan Bank Holding Corp. (MCB) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.
Metropolitan Bank Holding Corp. (MCB) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Metropolitan Bank Holding Corp. (MCB) has an efficiency ratio of 33.4%. This is excellent, indicating strong cost control.