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Earnings transcript
Read the complete earnings call transcript.
MCB
Metropolitan Bank Holding Corp.
$83.47
0.37
(0.45%)
| Exchange: | NYSE |
| Market Cap: | 844.391M |
| Shares Outstanding: | 7.733M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Mark R. DeFazio | |||||
| Full Time Employees: | 291 | |||||
| Address: |
| |||||
| Website: | https://www.metropolitanbankny.com |
Metropolitan 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 403,308 | 492,208 | 527,149 |
| Gross Profit | 238,456 | 270,656 | 277,514 |
| EBITDA | 114,060 | 85,669 | 101,509 |
| Operating Income | 106,918 | 97,081 | 101,509 |
| Net Income | 77,268 | 66,686 | 71,098 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 7,067,672 | 7,300,749 | 8,255,716 |
| Total Liabilities | 6,408,651 | 6,570,922 | 7,512,604 |
| Total Stockholders Equity | 659,021 | 729,827 | 743,112 |
| Total Debt | 546,585 | 457,441 | 0 |
| Cash and Cash Equivalents | 269,465 | 200,268 | 12,086 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 42,426 | 148,459 | 0 |
| Capital Expenditure | -5,749 | -2,631 | 0 |
| Free Cash Flow | 36,677 | 145,828 | 0 |
| Net Income | 77,268 | 66,686 | 71,098 |
| Net Change in Cash | 12,047 | -69,197 | -200,268 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 491,522.395 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 491,522.398 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 491,522.397 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 147,542.725 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 147,542.726 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 147,542.726 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 150,907.480 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 151,580.338 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 151,243.909 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 100,047.524 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 100,047.525 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 100,047.525 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 14.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 14.110 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 14.050 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance Metrics: MCB demonstrates robust financial health with consistent revenue growth, positive net income, and strong free cash flow as per the latest income and cash flow statements. These indicators suggest operational efficiency and the ability to generate cash for reinvestment or shareholder returns.
- Favorable Valuation Metrics: The current price-to-earnings (P/E) ratio (TTM) and forward P/E ratios indicate that MCB is reasonably valued compared to industry averages, as per the industry and sector data. This suggests the stock may be attractive to value investors seeking stable returns.
- Strong Balance Sheet: High current and quick ratios (TTM) from the key metrics reflect good liquidity, while a manageable debt-to-equity ratio indicates a balanced capital structure, reducing financial risk compared to industry peers.
- Positive Sector and Industry Trends: MCB benefits from operating in a sector and industry showing positive performance trends over multiple timeframes (1w, 1m, 3m, 6m, 1y, 5y), as per the performance and industry/sector data, providing a supportive backdrop for sustained growth.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates MCB intrinsic value between $107.96 – $189.68 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about MCB valuation
Is Metropolitan Bank Holding Corp. (MCB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Metropolitan Bank Holding Corp. (MCB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is MCB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MCB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is MCB’s P/E ratio?
You can see MCB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for MCB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is MCB a good long-term investment?
Whether MCB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
MCB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.45
Trading Metrics:
| Open: | 82.17 | Previous Close: | 83.1 | |
| Day Low: | 81.75 | Day High: | 83.51 | |
| Year Low: | 47.08 | Year High: | 97.84 | |
| Price Avg 50: | 87.09 | Price Avg 200: | 77.8 | |
| Volume: | 57403 | Average Volume: | 183690 |
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Login — it's freeMCB full analysis
Welcome to MARKETSNAP’s SWOT analysis for Metropolitan Bank Holding Corp., or MCB as you might know it on the ticker. If you’re not familiar with this name, let me give you the quick rundown. Metropolitan Bank Holding Corp. is a financial institution operating in the banking industry, specifically within the broader financial services sector. Headquartered in the U.S., they’ve carved out a niche in providing commercial banking services, and with a decent market cap, they’re a player to watch in…
