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MCB stock logo

MCB

Metropolitan Bank Holding Corp.

$91.32
0.54
 (0.59%)
Exchange:  NYSE
Market Cap:  1.132B
Shares Outstanding:  7.733M
Delayed data
Calculate MCB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Mark R. DeFazio
Full Time Employees:  326
Address: 
99 Park Avenue
New York City
NY
10016
US
Website:  https://www.mcbankny.com
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. It also extends an extensive portfolio of credit facilities, encompassing financing for commercial properties, construction ventures, multi-family dwellings, and one-to-four-family residential units. Additional lending options include commercial and industrial loans, consumer credit, funds for property acquisition and renovation, and solutions for refinancing or extracting borrower equity. The institution further supports clients with loans on owner-occupied real estate, working capital lines of credit, trade finance, letters of credit, and conventional term loans. Beyond these core services, the company delivers cash management solutions. It offers modern digital banking options, such as online and mobile platforms, alongside automated clearing house (ACH) transactions, remote check deposit services, and debit card provisions. Metropolitan Commercial Bank maintains a physical presence through six branches located in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp., established in 1999, has its corporate headquarters in New York City.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/22 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue403,308492,208527,149
Gross Profit238,456270,656277,514
EBITDA114,06085,66990,456
Operating Income106,91897,081101,509
Net Income77,26866,68671,098

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,067,6727,300,7498,255,716
Total Liabilities6,408,6516,570,9227,512,604
Total Stockholders Equity659,021729,827743,112
Total Debt546,585457,4410
Cash and Cash Equivalents269,465200,26812,086

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow42,426148,4590
Capital Expenditure-5,749-2,6310
Free Cash Flow36,677145,8280
Net Income77,26866,68671,098
Net Change in Cash12,047-69,197-200,268

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)504,088.160Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)506,310.522Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)505,196.688Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)149,200.759Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)149,858.537Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)149,528.863Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)155,339.171Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)156,230.085Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)155,784.628Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)102,605.238Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)103,057.592Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)102,830.875Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)14.500Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)14.540Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)14.460Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
492.208M  ?P/S
 (TTM)
: 
2.72
?Net Income
 (TTM)
: 
66.686M  ?P/E
 (TTM)
: 
11.49
?Enterprise Value
 (TTM)
: 
1.166B  ?EV/FCF
 (TTM)
: 
11.7
?Dividend Yield
 (TTM)
: 
1.03%  ?Payout Ratio
 (TTM)
: 
9.82%
?ROE
 (TTM)
: 
10.22%  ?ROIC
 (TTM)
: 
3.19%
?Net Debt
 (TTM)
: 
516.893M  ?Debt/Equity
 (TTM)
: 
0.04
?P/B
 (TTM)
: 
1.08  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
9.48Research AccessResearch AccessResearch AccessResearch Access

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SWOT 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.

[intrinsic_calculator]

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

0.59
MARKETSnap

Trading Metrics:

Open: 91.11   Previous Close: 90.78
Day Low: 90.35   Day High: 91.39
Year Low: 64.66   Year High: 102.04
Price Avg 50: 94.92   Price Avg 200: 87.14
Volume: 76108   Average Volume: 142213

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MCB full analysis

24/10/2025

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…

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See in Nexus

Relevant news

MCB Alert: HAGENS BERMAN, NATIONAL TRIAL ATTORNEYS, Encourages Metropolitan Bank Holding Corp. (NYSE: MCB) Investors with Significant Losses to Contact Firm
26-08-2026 13:00
MCB Alert: HAGENS BERMAN, NATIONAL TRIAL ATTORNEYS, Encourages Metropolitan Bank Holding Corp. (NYSE: MCB) Investors with Significant Losses to Contact Firm
Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center
20-08-2026 16:05
Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Metropolitan Bank Holding Corp.- MCB
30-07-2026 10:10
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Metropolitan Bank Holding Corp.- MCB
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Metropolitan Bank Holding Corp. - MCB
13-08-2026 10:00
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Metropolitan Bank Holding Corp. - MCB
Lowey Dannenberg, P.C. is Investigating Metropolitan Bank Holding Corp. (NYSE: MCB) for Potential Violations of the Federal Securities Laws
31-07-2026 13:35
Lowey Dannenberg, P.C. is Investigating Metropolitan Bank Holding Corp. (NYSE: MCB) for Potential Violations of the Federal Securities Laws
Metropolitan Bank Q2 Earnings Call Highlights
24-07-2026 01:02
Metropolitan Bank Q2 Earnings Call Highlights

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