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MCBMetropolitan Bank Holding Corp.$96.63$1.0B
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MCB logoMetropolitan Bank Holding Corp.(MCB)Earnings, Financials & Key Ratios

MCB•NYSE•Banking & Credit
14.6× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
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$303M+19.8%
  • Total Revenue$527M+7.1%
  • Net Income$71M+6.6%
  • Return on Equity9.65%+0.5%
  • Net Interest Margin3.67%+6.0%
  • Efficiency Ratio33.39%-5.3%
  • ROA0.91%-1.5%
  • Equity / Assets9%-10.0%
  • Book Value per Share69.18+6.7%
  • Tangible BV/Share69.18+6.7%
  • Debt/Equity0.11-82.6%

MCB Key Insights

Metropolitan Bank Holding Corp. (MCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong NIM of 3.7%
  • ✓Efficient operations: 33.4% efficiency ratio
  • ✓Share count reduced 4.6% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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MCB Price & Volume

Metropolitan Bank Holding Corp. (MCB) stock price & volume — 10-year historical chart

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MCB Growth Metrics

Metropolitan Bank Holding Corp. (MCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years30.61%
5 Years26.91%
3 Years22.42%
TTM-

Profit CAGR

10 Years32.48%
5 Years12.49%
3 Years6.16%
TTM6.61%

EPS CAGR

10 Years16.98%
5 Years7.27%
3 Years7.76%
TTM12.33%

Return on Capital

10 Years9.02%
5 Years9.42%
3 Years6.22%
Last Year2.12%

MCB Recent Earnings

Metropolitan Bank Holding Corp. (MCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 21, 2026
EPS
$2.92
Est $2.31
+26.4%
Revenue
$88M
Est $87M
+1.4%
Q1 2026
Jan 20, 2026
EPS
$2.77
Est $2.20
+25.9%
Revenue
$88M
Est $83M
+6.3%
Q4 2025
Oct 23, 2025
EPS
$0.67
Est $2.08
-67.8%
Revenue
$80M
Est $78M
+2.0%
Q3 2025
Jul 17, 2025
EPS
$1.76
Est $1.62
+8.6%
Revenue
$76M
Est $78M
-2.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$2.92vs $2.31+26.4%
$88Mvs $87M+1.4%
Q1 2026Jan 20, 2026
$2.77vs $2.20+25.9%
$88Mvs $83M+6.3%
Q4 2025Oct 23, 2025
$0.67vs $2.08-67.8%
$80Mvs $78M+2.0%
Q3 2025Jul 17, 2025
$1.76vs $1.62+8.6%
$76Mvs $78M-2.6%
Based on last 12 quarters of dataView full earnings history →

MCB Peer Comparison

Metropolitan Bank Holding Corp. (MCB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
DCOM logoDCOMDime Community Bancshares, Inc.Direct Competitor1.77B40.0816.9113.03%15.15%7.67%0.25
FFIC logoFFICFlushing Financial CorporationDirect Competitor524.18M15.4728.6511.06%3.86%2.67%0.84
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.52B48.1814.4710.36%18.76%9.51%0.17
WSFS logoWSFSWSFS Financial CorporationProduct Competitor3.97B75.2414.78-3.05%21.14%10.65%0.11
CUBI logoCUBICustomers Bancorp, Inc.Product Competitor2.63B78.2112.613.94%15.84%11.25%0.81
PFIS logoPFISPeoples Financial Services Corp.Product Competitor635.56M63.5210.8022.26%21.04%11.81%0.50
ORRF logoORRFOrrstown Financial Services, Inc.Product Competitor783.61M39.949.1824.56%22.85%14.41%0.57
NFBK logoNFBKNorthfield Bancorp, Inc.Product Competitor617.27M14.78746.46-26.69%0.3%0.11%1.44

Compare MCB vs Peers

Metropolitan Bank Holding Corp. (MCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DCOM

Most directly comparable listed peer for MCB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare MCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs DCOM, FFIC, NBTB, WSFS

MCB Income Statement

Metropolitan Bank Holding Corp. (MCB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
52.19M71.23M97.61M124.92M157M229.16M222.84M253.08M303.24M
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
60.75M83.94M129.78M143.1M173.28M260.74M375.4M468.38M515.28M
Interest Expense
8.67M12.72M32.17M18.18M16.28M31.58M152.57M215.29M212.04M
Loan Loss Provision
7.06M3.14M4.22M9.49M3.82M10.12M12.28M6.26M37.59M
Non-Interest Income
11.3M12.16M10.63M17M23.7M26.59M27.9M23.83M11.87M
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
32.74M43.47M59.95M74.52M87.31M148.74M131.54M173.57M176M
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
11.21M11.22M13.93M18.45M29.02M37.47M29.65M30.39M30.41M
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)
12.37M25.55M30.13M39.47M60.55M59.42M77.27M66.69M71.1M
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)
2.403.123.634.766.645.426.955.966.71
Diluted Shares Outstanding
8.2M8.35M8.34M8.4M9.27M11.2M11.13M11.26M10.74M

MCB Balance Sheet

Metropolitan Bank Holding Corp. (MCB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
293.39M265.5M624.16M1.13B2.93B257.42M269.46M267.16M591.02M
Cash & Due from Banks
261.23M232.95M389.22M864.3M2.36B257.42M269.46M200.27M393.59M
Short Term Investments
32.16M30.44M234.94M266.1M566.62M0066.89M551.05M
Total Investments
1.46B1.91B2.91B3.38B4.66B5.78B6.54B6.92B7.67B
Investments Growth %
32.49%30.86%52.65%16.34%37.7%23.94%13.19%5.8%10.95%
Long-Term Investments
1.42B1.88B2.67B3.12B4.09B5.78B6.54B6.85B7.12B
Accounts Receivables
11.02M11.03M8.86M13.25M00000
Goodwill & Intangibles
9.73M9.73M9.73M9.73M9.73M0000
Goodwill
9.73M9.73M9.73M9.73M9.73M0000
Intangible Assets
000000000
PP&E (Net)
6.27M6.88M12.1M13.47M15.12M31.87M0083.34M
Other Assets
000015.2M116.47M172.57M183.29M984.77M
Total Current Assets
319.74M290.79M661.68M1.19B2.98B343.02M357.11M267.16M591.02M
Total Non-Current Assets
1.44B1.89B2.7B3.14B4.13B5.92B6.71B7.03B8.26B
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
22.43M19.72M24.79M62.36M37.16M0000
Total Debt
66.69M209.54M211.57M61.62M57.17M257.73M546.59M457.44M80.93M
Net Debt
-194.54M-23.41M-177.65M-802.68M-2.3B307K277.12M257.17M-361.99M
Long-Term Debt
66.69M209.54M211.57M61.62M57.17M257.73M546.59M457.44M31.59M
Short-Term Debt
000000005.38M
Other Liabilities
8.88M7.69M31.32M36.45M29.47M155.8M124.77M130.51M7.51B
Total Current Liabilities
1.45B1.7B2.82B3.89B6.47B5.28B5.74B5.98B5.38M
Total Non-Current Liabilities
75.57M217.23M242.89M98.07M86.64M413.53M671.36M587.95M7.51B
Total Liabilities
1.52B1.92B3.06B3.99B6.56B5.69B6.41B6.57B7.51B
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
28.9031.6735.8740.5860.0751.4259.2164.8469.18
Tangible BV per Share
27.7130.5134.7039.4259.0251.4259.2164.8469.18
Common Stock
81K82K82K82K109K109K111K112K113K
Additional Paid-in Capital
211.15M213.49M216.47M218.9M383M389.28M395.87M400.19M405.56M
Retained Earnings
25.86M51.41M81.36M120.83M181.38M240.81M315.98M382.66M450.64M
Accumulated OCI
-206K-473K1.21M973K-7.5M-54.3M-52.94M-53.13M-39.74M
Treasury Stock
00000000-73.47M
Preferred Stock
3K3K3K3K00000

MCB Cash Flow Statement

Metropolitan Bank Holding Corp. (MCB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
31.47M27.06M38.96M87.27M37.28M85.89M42.43M148.46M88.68M
Operating CF Growth %
116.19%-14.02%43.96%124.02%-57.29%130.41%-50.6%249.92%-40.27%
Net Income
12.37M25.55M30.13M39.47M60.55M59.42M77.27M66.69M71.1M
Depreciation & Amortization
978K1.35M1.61M4.6M5.06M9.71M7.14M-11.41M0
Deferred Taxes
790K-1.53M-1.86M290K-120K-4M-2.8M-2.8M0
Other Non-Cash Items
7.34M4.55M7.46M6.6M5.58M10.34M12.21M3.27M25.03M
Working Capital Changes
9.59M-5.02M-1.45M33M-38.62M2.58M-61.16M83.81M-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-72.81M0
Sale/Maturity of Investments
14.6M11.8M37.38M218.31M171.51M121.37M108.3M92.89M0
Net Investment Activity
4.83M-8.76M-200.49M-20.18M-696.9M-86.03M36.89M20.08M0
Acquisitions
000000000
Other Investing
-369.25M-443.85M-807.46M-464.94M-602.1M-1.12B-806.59M-387.06M-762.96M
Cash from Financing
513.45M399.23M1.13B876.85M2.76B-958.47M745.07M151.96M867.6M
Dividends Paid
00000000-3.12M
Share Repurchases
0-132K-89K-881K-3.38M-1.56M-3.17M-4.58M-73.47M
Stock Issued
114.77M000162.69M0000
Net Stock Activity
114.77M-132K-89K-881K159.3M-1.56M-3.17M-4.58M-73.47M
Debt Issuance (Net)
-1000K1000K1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing
410.45M256.56M1.13B1.03B2.61B-1.16B459.38M245.68M1.39B
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
000000000
Cash at Beginning
82.93M261.23M232.95M389.22M864.3M2.36B257.42M269.46M200.27M
Cash at End
261.23M232.95M389.22M864.3M2.36B257.42M269.46M200.27M393.59M
Interest Paid
8.15M12.18M32.22M18.69M16.25M31.6M151.4M215.38M212.22M
Income Taxes Paid
8.79M13.79M15.19M19.09M24.16M35.3M36.17M34.8M25.85M
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%

MCB Banking Ratios

Metropolitan Bank Holding Corp. (MCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin3.12%2.97%3.26%2.91%2.88%2.21%3.66%3.15%3.47%3.67%
Efficiency Ratio54.84%45.45%45.23%42.7%46.54%44.33%51.76%32.61%35.26%33.39%
Equity / Assets8.97%13.46%12.12%8.91%7.87%7.83%9.19%9.32%10%9%
Book Value / Share14.1628.931.6735.8740.5860.0751.4259.2164.8469.18
NII Growth38.82%37.11%36.47%37.04%27.98%25.68%45.96%-2.76%13.57%19.82%
Dividend Payout---------4.39%
Related:MCB Dividend History·MCB Revenue History·MCB Price History·MCB P/E History·MCB Financial Ratios·MCB Institutional Holders

MCB SEC Filings & Documents

Metropolitan Bank Holding Corp. (MCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Mar 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

MCB Frequently Asked Questions

Metropolitan Bank Holding Corp. (MCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in MCB back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

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