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METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis

NYSE:MCB - New York Stock Exchange, Inc. - US5917741044 - Common Stock - Currency: USD

59.27  -0.15 (-0.25%)

Fundamental Rating

4

Taking everything into account, MCB scores 4 out of 10 in our fundamental rating. MCB was compared to 405 industry peers in the Banks industry. MCB has a bad profitability rating. Also its financial health evaluation is rather negative. MCB is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MCB had positive earnings in the past year.
In the past year MCB had a positive cash flow from operations.
In the past 5 years MCB has always been profitable.
MCB had a positive operating cash flow in 4 of the past 5 years.
MCB Yearly Net Income VS EBIT VS OCF VS FCFMCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.81%, MCB perfoms like the industry average, outperforming 51.63% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.36%, MCB is in line with its industry, outperforming 51.88% of the companies in the same industry.
Industry RankSector Rank
ROA 0.81%
ROE 8.36%
ROIC N/A
ROA(3y)0.98%
ROA(5y)0.94%
ROE(3y)10.37%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
MCB Yearly ROA, ROE, ROICMCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

MCB has a Profit Margin (22.18%) which is comparable to the rest of the industry.
MCB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for MCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.05%
PM growth 5Y-2.58%
GM growth 3YN/A
GM growth 5YN/A
MCB Yearly Profit, Operating, Gross MarginsMCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

MCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MCB has more shares outstanding
MCB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MCB is higher compared to a year ago.
MCB Yearly Shares OutstandingMCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
MCB Yearly Total Debt VS Total AssetsMCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of MCB is 4.01, which is a neutral value as it means it would take MCB, 4.01 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MCB (4.01) is comparable to the rest of the industry.
MCB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
MCB has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 4.01
Altman-Z N/A
ROIC/WACCN/A
WACC14.83%
MCB Yearly LT Debt VS Equity VS FCFMCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MCB Yearly Current Assets VS Current LiabilitesMCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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7

3. Growth

3.1 Past

MCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.83%.
The Earnings Per Share has been growing by 10.77% on average over the past years. This is quite good.
Looking at the last year, MCB shows a quite strong growth in Revenue. The Revenue has grown by 10.44% in the last year.
MCB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.68% yearly.
EPS 1Y (TTM)-13.83%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%46.87%
Revenue 1Y (TTM)10.44%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.72%

3.2 Future

Based on estimates for the next years, MCB will show a very strong growth in Earnings Per Share. The EPS will grow by 22.69% on average per year.
Based on estimates for the next years, MCB will show a quite strong growth in Revenue. The Revenue will grow by 10.58% on average per year.
EPS Next Y15.9%
EPS Next 2Y22.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.28%
Revenue Next 2Y10.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
MCB Yearly Revenue VS EstimatesMCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
MCB Yearly EPS VS EstimatesMCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.01, which indicates a very decent valuation of MCB.
Based on the Price/Earnings ratio, MCB is valued cheaper than 81.20% of the companies in the same industry.
MCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
A Price/Forward Earnings ratio of 8.64 indicates a reasonable valuation of MCB.
Based on the Price/Forward Earnings ratio, MCB is valued cheaply inside the industry as 86.97% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, MCB is valued rather cheaply.
Industry RankSector Rank
PE 10.01
Fwd PE 8.64
MCB Price Earnings VS Forward Price EarningsMCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCB is valued a bit more expensive than 67.17% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.76
EV/EBITDA N/A
MCB Per share dataMCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

MCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MCB's earnings are expected to grow with 22.69% in the coming years.
PEG (NY)0.63
PEG (5Y)0.93
EPS Next 2Y22.69%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MCB!.
Industry RankSector Rank
Dividend Yield N/A

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METROPOLITAN BANK HOLDING CO

NYSE:MCB (2/24/2025, 1:45:48 PM)

59.27

-0.15 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-16 2025-04-16/amc
Inst Owners78.31%
Inst Owner Change-96.44%
Ins Owners6.08%
Ins Owner Change2.53%
Market Cap663.82M
Analysts80
Price Target83.81 (41.4%)
Short Float %4.67%
Short Ratio5.89
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.23%
Min EPS beat(2)-30.86%
Max EPS beat(2)-5.6%
EPS beat(4)1
Avg EPS beat(4)-10.81%
Min EPS beat(4)-30.86%
Max EPS beat(4)7.88%
EPS beat(8)4
Avg EPS beat(8)-2.17%
EPS beat(12)7
Avg EPS beat(12)1.14%
EPS beat(16)11
Avg EPS beat(16)3.85%
Revenue beat(2)1
Avg Revenue beat(2)2.41%
Min Revenue beat(2)-1.3%
Max Revenue beat(2)6.11%
Revenue beat(4)3
Avg Revenue beat(4)2.29%
Min Revenue beat(4)-1.3%
Max Revenue beat(4)6.11%
Revenue beat(8)3
Avg Revenue beat(8)0.07%
Revenue beat(12)7
Avg Revenue beat(12)2.38%
Revenue beat(16)11
Avg Revenue beat(16)2.62%
PT rev (1m)5.34%
PT rev (3m)18.51%
EPS NQ rev (1m)-4.7%
EPS NQ rev (3m)-4.7%
EPS NY rev (1m)-5.65%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.13%
Valuation
Industry RankSector Rank
PE 10.01
Fwd PE 8.64
P/S 2.46
P/FCF 20.76
P/OCF 19.35
P/B 0.93
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)5.92
EY9.99%
EPS(NY)6.86
Fwd EY11.58%
FCF(TTM)2.86
FCFY4.82%
OCF(TTM)3.06
OCFY5.17%
SpS24.06
BVpS63.86
TBVpS63.86
PEG (NY)0.63
PEG (5Y)0.93
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 8.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.18%
GM N/A
FCFM 11.87%
ROA(3y)0.98%
ROA(5y)0.94%
ROE(3y)10.37%
ROE(5y)10.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.05%
PM growth 5Y-2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 4.01
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 53.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.83%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.83%
EPS 3Y-2.77%
EPS 5Y10.77%
EPS Q2Q%46.87%
EPS Next Y15.9%
EPS Next 2Y22.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.44%
Revenue growth 3Y15.29%
Revenue growth 5Y20.68%
Sales Q2Q%11.72%
Revenue Next Year7.28%
Revenue Next 2Y10.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-59.47%
OCF growth 3YN/A
OCF growth 5YN/A