Metropolitan Bank Holding (MCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Metropolitan Bank Holding

NYSE•Financial Services•Banks - Regional

$91.29+0.50(0.01%)Pre-market

Market Cap

$1.13B

P/E

13.0x

P/S

2.0x

P/B

1.2x

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. It offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits. The company also provides lending products, including commercial real estate; multi-family; construction; one-to four-family real estate loans; commercial and industrial loans; consumer loans, including purchased student loans; acquisition and renovation loans; loans on owner-occupied properties; loans to refinance or return borrower equity; working capital lines of credit; trade finance; letters of credit; and term loans. In addition, it offers cash management services, online and mobile banking, ACH, remote deposit capture, and debit cards products, and third-part debit cards products, as well as merchant services. It serves small businesses, middle-market enterprises, public entities, and individuals. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Growth (20/25); weakest: Cash & Earnings Quality (15/25).

Profitability18/25

Growth20/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality15/25

Strengths

Strong marginsRising earningsLow leverageProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.0x5y range 4.3x – 16.7x

Currently above its 20-quarter median.

P/S · 2.0x5y range 0.9x – 5.3x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.5x – 2.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Share Dilution

Red Flag

Shares outstanding increased 10.6% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.13B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $556.09M
Q. Revenue: $143.50M
TTM EBITDA: $103.93M
TTM Op. Income: $123.64M
Q. Op. Income: $27.88M
TTM Net Income: $86.63M
Q. Net Income: $19.22M
EPS: $1.55
Shares Out.: $12.38M

$556.09M in TTM revenue grew 10.5% YoY, reaching $143.50M last quarter. TTM EBITDA of $103.93M and TTM operating income of $123.64M show growth is flowing through to the bottom line. TTM net income of $86.63M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.8%
EBITDA Margin: 18.3%
Op. Margin: 19.4%
Net Margin: 13.4%

Op. margin of 19.4% is down 1.2% YoY — costs are rising relative to revenue. Net margin at 13.4% and gross margin of 64.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 6% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.0x
P/S Ratio: 2.0x
P/B Ratio: 1.2x

At 13.0x P/E, the stock trades below typical market levels. P/S of 2.0x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 21% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.86B
Cash: $239.26M
Long-Term Debt: $20.62M
Book Value: $968.17M
D/E Ratio: 0.0
Debt/EBITDA: 0.8

With $8.86B in assets and $20.62M in long-term debt, D/E is 0.0and book value is $968.17M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-10.77M
TTM Free Cash Flow: $99.67M
FCF Margin: 17.9%
FCF / Net Income: 1.2

TTM FCF of $99.67M on $-10.77M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 9% — a weakening trend.