Metropolitan Bank Holding Corp. (MCB) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
6.84
-6% vs avg
5yr avg: 7.30
30Y Low4.5·High10.7
P/FCF
↓
12.21
↓-14% vs avg
5yr avg: 14.16
30Y Low3.7·High29.7
P/B Ratio
↓
1.40
+19% vs avg
5yr avg: 1.17
30Y Low0.9·High1.8
ROE
↓
9.7%
-13% vs avg
5yr avg: 11.2%
30Y Low5%·High13%
Debt/EBITDA
↑
0.80
↓-71% vs avg
5yr avg: 2.79
30Y Low0.6·High15.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Metropolitan Bank Holding Corp. trades at 14.6x earnings, 28% above its 5-year average of 11.4x, sitting at the 78th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 5%. On a free-cash-flow basis, the stock trades at 12.2x P/FCF, 14% below the 5-year average of 14.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.0B | $820M | $657M | $616M | $657M | $988M | $305M | $402M | $258M | $345M | — |
| Enterprise Value | $694M | $458M | $914M | $893M | $657M | $-1314324310 | $-498088540 | $225M | $234M | $151M | — |
| P/E Ratio → | 14.60 | 11.53 | 9.85 | 8.01 | 11.09 | 16.52 | 7.78 | 13.55 | 10.08 | 17.99 | — |
| P/S Ratio | 1.91 | 1.56 | 1.34 | 1.53 | 2.29 | 5.01 | 1.90 | 2.86 | 2.68 | 4.79 | — |
| P/B Ratio | 1.40 | 1.10 | 0.90 | 0.94 | 1.14 | 1.77 | 0.89 | 1.34 | 0.97 | 1.46 | — |
| P/FCF | 12.21 | 9.95 | 4.51 | 16.81 | 9.86 | 29.68 | 3.65 | 12.52 | 10.27 | 11.79 | — |
| P/OCF | 11.35 | 9.25 | 4.43 | 14.53 | 7.65 | 26.50 | 3.49 | 10.32 | 9.52 | 10.96 | — |
P/E links to full P/E history page with 30-year chart
MCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Metropolitan Bank Holding Corp.'s enterprise value stands at 6.8x EBITDA, 6% below its 5-year average of 7.3x. The Financial Services sector median is 11.5x, placing the stock at a 41% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.87 | 1.86 | 2.22 | 2.29 | -6.67 | -3.11 | 1.60 | 2.44 | 2.09 | — |
| EV / EBITDA | 6.84 | 4.51 | 10.67 | 7.83 | 6.17 | -13.89 | -7.97 | 4.92 | 6.14 | 6.13 | — |
| EV / EBIT | 6.84 | 4.51 | 9.42 | 8.36 | 6.78 | -14.67 | -8.60 | 5.10 | 6.37 | 6.38 | — |
| EV / FCF | — | 5.56 | 6.27 | 24.36 | 9.86 | -39.49 | -5.98 | 6.99 | 9.33 | 5.14 | — |
MCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Metropolitan Bank Holding Corp. earns an operating margin of 19.3%, roughly in line with the Financial Services sector average. Operating margins have compressed from 26.5% to 19.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.7% is modest. ROIC of 7.6% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.6% | 52.6% | 55.0% | 59.1% | 85.5% | 89.8% | 82.7% | 74.1% | 83.5% | 78.2% | 71.2% |
| Operating Margin | 19.3% | 19.3% | 19.7% | 26.5% | 33.7% | 45.5% | 36.2% | 31.4% | 38.3% | 32.7% | 16.4% |
| Net Profit Margin | 13.5% | 13.5% | 13.5% | 19.2% | 20.7% | 30.7% | 24.7% | 21.5% | 26.6% | 17.2% | 10.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 9.7% | 9.6% | 12.5% | 10.5% | 13.5% | 12.3% | 10.7% | 10.2% | 7.1% | 5.4% |
| ROA | 0.9% | 0.9% | 0.9% | 1.2% | 0.9% | 1.1% | 1.0% | 1.1% | 1.3% | 0.8% | 0.5% |
| ROIC | 7.6% | 7.6% | 6.1% | 7.9% | 10.0% | 13.2% | 9.5% | 6.7% | 7.1% | 7.2% | 3.2% |
| ROCE | 2.1% | 2.1% | 7.3% | 9.2% | 11.9% | 16.5% | 11.8% | 8.6% | 9.3% | 9.3% | 4.2% |
MCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Metropolitan Bank Holding Corp. carries a Debt/EBITDA ratio of 0.8x, which is very conservative (81% below the sector average of 4.3x). The company holds a net cash position — cash of $394M exceeds total debt of $81M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.63 | 0.83 | 0.45 | 0.10 | 0.18 | 0.71 | 0.79 | 0.28 | 0.72 |
| Debt / EBITDA | 0.80 | 0.80 | 5.34 | 4.79 | 2.42 | 0.60 | 0.99 | 4.63 | 5.50 | 2.72 | 8.87 |
| Net Debt / Equity | — | -0.49 | 0.35 | 0.42 | 0.00 | -4.13 | -2.36 | -0.59 | -0.09 | -0.82 | -0.04 |
| Net Debt / EBITDA | -3.57 | -3.57 | 3.00 | 2.43 | 0.00 | -24.33 | -12.84 | -3.89 | -0.61 | -7.92 | -0.51 |
| Debt / FCF | — | -4.39 | 1.76 | 7.56 | 0.00 | -69.17 | -9.63 | -5.53 | -0.93 | -6.65 | -0.34 |
| Interest Coverage | 0.48 | 0.48 | 0.45 | 0.70 | 3.07 | 5.50 | 3.19 | 1.37 | 2.89 | 2.72 | 1.32 |
Net cash position: cash ($394M) exceeds total debt ($81M)
MCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Metropolitan Bank Holding Corp.'s current ratio of 109.88x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.06x to 109.88x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 109.88 | 109.88 | 0.04 | 0.06 | 0.06 | 0.46 | 0.31 | 0.24 | 0.17 | 0.22 | 0.14 |
| Quick Ratio | 109.88 | 109.88 | 0.04 | 0.06 | 0.06 | 0.46 | 0.31 | 0.24 | 0.17 | 0.22 | 0.14 |
| Cash Ratio | 73.17 | 73.17 | 0.03 | 0.05 | 0.05 | 0.36 | 0.22 | 0.14 | 0.14 | 0.18 | 0.08 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.05 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Metropolitan Bank Holding Corp. returns 7.6% to shareholders annually — split between a 0.3% dividend yield and 7.3% buyback yield. The payout ratio of 4.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 4.4% | 4.4% | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 8.7% | 10.2% | 12.5% | 9.0% | 6.1% | 12.8% | 7.4% | 9.9% | 5.6% | — |
| FCF Yield | 8.2% | 10.0% | 22.2% | 6.0% | 10.1% | 3.4% | 27.4% | 8.0% | 9.7% | 8.5% | — |
| Buyback Yield | 7.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 7.6% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $11M | $11M | $11M | $11M | $9M | $8M | $8M | $8M | $8M | $8M |
Peer Comparison
Compare MCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MCBYou | $1B | 14.6 | 6.8 | 12.2 | 52.6% | 19.3% | 9.7% | 7.6% | 0.8 |
 DCOM | $2B | 16.9 | -1.4 | 9.7 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FFIC | $524M | 28.6 | 24.8 | 9.4 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 WSFS | $4B | 14.8 | 7.2 | 18.6 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 CUBI | $3B | 12.6 | 12.2 | 5.5 | 51.6% | 22.0% | 11.3% | 6.6% | 4.9 |
 PFIS | $636M | 10.8 | 11.6 | 14.7 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 ORRF | $784M | 9.2 | 9.2 | 11.1 | 70.6% | 29.0% | 14.6% | 9.3% | 2.9 |
 NFBK | $617M | 746.5 | 63.8 | 11.8 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $29B | 8.5 | 6.4 | 6.6 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 11 years · Updated daily
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Compare NowMCB — Frequently Asked Questions
Quick answers to the most common questions about buying MCB stock.
What is Metropolitan Bank Holding Corp.'s P/E ratio?
Metropolitan Bank Holding Corp.'s current P/E ratio is 14.6x. The historical average is 11.8x. This places it at the 78th percentile of its historical range.
What is Metropolitan Bank Holding Corp.'s EV/EBITDA?
Metropolitan Bank Holding Corp.'s current EV/EBITDA is 6.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.6x.
What is Metropolitan Bank Holding Corp.'s ROE?
Metropolitan Bank Holding Corp.'s return on equity (ROE) is 9.7%. The historical average is 9.7%.
Is MCB stock overvalued?
Based on historical data, Metropolitan Bank Holding Corp. is trading at a P/E of 14.6x. This is at the 78th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Metropolitan Bank Holding Corp.'s dividend yield?
Metropolitan Bank Holding Corp.'s current dividend yield is 0.30% with a payout ratio of 4.4%.
What are Metropolitan Bank Holding Corp.'s profit margins?
Metropolitan Bank Holding Corp. has 52.6% gross margin and 19.3% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Metropolitan Bank Holding Corp. have?
Metropolitan Bank Holding Corp.'s Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.