Metropolitan Bank Holding Corp.
MCB · Price history
Price at last available close
$96.62
+$7.98 (+9.00%) 1M
2026-10-28
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Company & revenue
About Metropolitan Bank Holding Corp.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Metropolitan Bank Holding Corp. acts as the parent organization for Metropolitan Commercial Bank, which provides a wide array of business, commercial, and personal banking offerings. This institution serves a diverse clientele, including small and mid-sized enterprises, public sector bodies, and individual clients across the greater New York metropolitan region. The bank’s deposit products feature standard checking, savings, term deposit, and money market accounts, along with certificates of deposit.
How they make money
Metropolitan Bank Holding Corp. operates as a bank holding company that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from service fees, cash management services, and other banking activities. The company focuses on providing customized financial solutions to small businesses, middle-market enterprises, public entities, and individuals, primarily within the New York metropolitan area.
Products & services
The company offers commercial and retail banking products including commercial real estate (CRE) loans, commercial and industrial (C&I) loans, corporate cash management, retail banking services, and specialized financial solutions for government entities, municipalities, and charter schools.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not disclose specific customer concentration figures in its 2025 annual report.
Suppliers, materials & equipment
- Technology and Software Service Providers — The company relies on various third-party vendors for core banking systems, digital banking platforms, and cybersecurity infrastructure; specific supplier names are not disclosed.Source
Strengths
- Strong technology offerings and community-based relationship focusSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-09-30.
Diluted weighted-average shares increased 18.7% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
62
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
56
Fair
Financial Strength
35
Business Quality / Moat
78
Management
83
Growth Quality
18
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
72
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
68/100
Building Historical Record
Model Score 68/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for MCB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving MCB's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is MCB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is MCB likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is MCB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of MCB's score?
Essential Investment Snapshot
Wall Street Score
62
Opportunity Score
72
Market Cap
$1.20B
P/E Ratio
9.6
EPS
$9.94
52-Week High
$102.04
52-Week Low
$64.66
Beta
1.04
Intrinsic Value
$382.69
Analyst Target
$100.00
Shares Outstanding
10.7M
Total Revenue
$435.2M
Total Debt
$36.5M
Reported Dividend Yield
0.26%
Liquidation Value / Share
$90.74
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for MCB
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.5x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on MCB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong technology offerings and community-based relationship focus.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk and economic fluctuations in the New York metropolitan area.
- −Credit risk associated with commercial real estate and commercial and industrial loan portfolios.
- −Diluted weighted-average shares increased 18.7% year over year.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
9 historical score records availablePrevious Score
62
Oct 22, 2026
Change
Unchanged
Current Score
62
Oct 23, 2026
Category Changes
MCB score was unchanged.
Projected Score
Projected Score
66
Projected Change
+3.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $9.94 · Growth assumption: 14.3% · Earnings multiplier: 37.2×.
Current Price
$96.62
Model Intrinsic Value
$382.69
Difference
−$286.07
-74.8% vs IV
Margin of Safety
74.8%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $435.2M | $527.1M | $492.2M | $403.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $203.1M | $249.6M | $221.6M | $164.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $232.0M | $277.5M | $270.7M | $238.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $59.9M | $94.4M | $89.6M | $76.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $144.9M | $176.0M | $173.6M | $131.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $87.2M | $90.5M | $85.7M | $114.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $87.2M | $101.5M | $97.1M | $106.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $201.2M | $212.0M | $215.3M | $152.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $159.4M | $101.5M | $97.1M | $106.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $47.5M | $30.4M | $30.4M | $29.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $111.9M | $71.1M | $66.7M | $77.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $9.94 | $6.71 | $5.96 | $6.95 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 12.39M | 10.59M | 11.18M | 11.06M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 12.57M | 10.74M | 11.26M | 11.13M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$150.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.58
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-87.5%
Cash Change
-36.0%
Margin Change
+16.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 11.6%. EPS increased 285.1%. Cash declined 36.0%. Total debt declined 87.5%. Net income margin improved by 16.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
7
Smart Money
7
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
9 historical recordsHistorical Score Chart
3 of 9 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Metropolitan Bank Holding Corp. (MCB) Q3 2026 Earnings Call Transcript
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Metropolitan Bank Holding Corp. Reports Third Quarter 2026 Results
Rumor Mill · MCB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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