METROPOLITAN BANK HOLDING CO(NYSE:MCB) stock Fundamental Analysis

Fundamental Rating

Overall MCB gets a fundamental rating of 4 out of 10. We evaluated MCB against 398 industry peers in the Banks industry. Both the profitability and financial health of MCB have multiple concerns. MCB has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!

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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.

MCB had positive earnings in each of the past 5 years.

MCB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

MCB has a Return On Assets of 0.91%. This is in the better half of the industry: MCB outperforms 61.81% of its industry peers.

Looking at the Return On Equity, with a value of 9.14%, MCB is in line with its industry, outperforming 59.05% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.91%
ROE	9.14%
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

1.3 Margins

The Profit Margin of MCB (24.08%) is comparable to the rest of the industry.

In the last couple of years the Profit Margin of MCB has declined.

MCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.08%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The number of shares outstanding for MCB has been increased compared to 5 years ago.

The debt/assets ratio for MCB is higher compared to a year ago.

2.2 Solvency

MCB has a debt to FCF ratio of 1.63. This is a very positive value and a sign of high solvency as it would only need 1.63 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.63, MCB is in the better half of the industry, outperforming 60.80% of the companies in the same industry.

MCB has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.33, MCB is not doing good in the industry: 69.35% of the companies in the same industry are doing better.

Even though the debt/equity ratio score it not favorable for MCB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.33
Debt/FCF	1.63
Altman-Z	N/A

ROIC/WACCN/A

WACC18.32%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

MCB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.80%.

MCB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.77% yearly.

MCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.44%.

Measured over the past years, MCB shows a very strong growth in Revenue. The Revenue has been growing by 20.68% on average per year.

EPS 1Y (TTM)-2.8%

EPS 3Y-2.77%

EPS 5Y10.77%

EPS Q2Q%-0.68%

Revenue 1Y (TTM)10.44%

Revenue growth 3Y15.29%

Revenue growth 5Y20.68%

Sales Q2Q%5.81%

3.2 Future

MCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.23% yearly.

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 Y11.52%

EPS Next 2Y22.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.29%

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.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.73, which indicates a very decent valuation of MCB.

MCB's Price/Earnings ratio is a bit cheaper when compared to the industry. MCB is cheaper than 75.13% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.33. MCB is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 6.50, the valuation of MCB can be described as very cheap.

Based on the Price/Forward Earnings ratio, MCB is valued cheaper than 92.71% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of MCB to the average of the S&P500 Index (21.37), we can say MCB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	6.5

4.2 Price Multiples

93.72% of the companies in the same industry are more expensive than MCB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	4.43
EV/EBITDA	N/A

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 22.23% in the coming years.

PEG (NY)0.84

PEG (5Y)0.9

EPS Next 2Y22.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for MCB!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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METROPOLITAN BANK HOLDING CO

NYSE:MCB (4/22/2025, 8:18:45 PM)

After market: 57.52 0 (0%)

57.52

+2 (+3.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners78.31%

Inst Owner Change0.12%

Ins Owners6.08%

Ins Owner Change2.01%

Market Cap645.95M

Analysts80

Price Target78.71 (36.84%)

Short Float %5.7%

Short Ratio5.93

Dividend

		Industry Rank	Sector 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)1

Avg EPS beat(2)0.11%

Min EPS beat(2)-30.86%

Max EPS beat(2)31.08%

EPS beat(4)2

Avg EPS beat(4)0.62%

Min EPS beat(4)-30.86%

Max EPS beat(4)31.08%

EPS beat(8)4

Avg EPS beat(8)1.22%

EPS beat(12)7

Avg EPS beat(12)2.25%

EPS beat(16)11

Avg EPS beat(16)4.66%

Revenue beat(2)2

Avg Revenue beat(2)5.19%

Min Revenue beat(2)4.26%

Max Revenue beat(2)6.11%

Revenue beat(4)3

Avg Revenue beat(4)2.85%

Min Revenue beat(4)-1.3%

Max Revenue beat(4)6.11%

Revenue beat(8)4

Avg Revenue beat(8)0.84%

Revenue beat(12)7

Avg Revenue beat(12)1.31%

Revenue beat(16)11

Avg Revenue beat(16)2.87%

PT rev (1m)-6.09%

PT rev (3m)-1.07%

EPS NQ rev (1m)-4.26%

EPS NQ rev (3m)-13.46%

EPS NY rev (1m)-3.78%

EPS NY rev (3m)-9.21%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.06%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)0.13%

Valuation

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	6.5
P/S	2.33
P/FCF	4.43
P/OCF	4.35
P/B	0.89
P/tB	0.89
EV/EBITDA	N/A

EPS(TTM)5.91

EY10.27%

EPS(NY)8.84

Fwd EY15.38%

FCF(TTM)12.99

FCFY22.58%

OCF(TTM)13.22

OCFY22.98%

SpS24.66

BVpS64.99

TBVpS64.99

PEG (NY)0.84

PEG (5Y)0.9

Profitability

		Industry Rank	Sector Rank
ROA	0.91%
ROE	9.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.08%
GM	N/A
FCFM	52.66%

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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.33
Debt/FCF	1.63
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.95%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	218.68%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC18.32%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.59%

Cap/Sales(5y)3.15%

Profit Quality(3y)126.25%

Profit Quality(5y)129.52%

High Growth Momentum

Growth

EPS 1Y (TTM)-2.8%

EPS 3Y-2.77%

EPS 5Y10.77%

EPS Q2Q%-0.68%

EPS Next Y11.52%

EPS Next 2Y22.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.44%

Revenue growth 3Y15.29%

Revenue growth 5Y20.68%

Sales Q2Q%5.81%

Revenue Next Year7.29%

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 1Y297.6%

FCF growth 3Y63.64%

FCF growth 5Y35.34%

OCF growth 1Y249.93%

OCF growth 3Y58.51%

OCF growth 5Y30.68%

METROPOLITAN BANK HOLDING CO (MCB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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