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Metropolitan Bank Holding Corp.

MCB

$92.85 ▼ -0.08 (-0.08%) at close

12 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Metropolitan Bank Holding Corp. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $983.7M

Dividend Yield 0.32%

Revenue Growth 13.8% ↗

Op. Margin 32.2% ↘

ROIC None

FCF / Share None

Trailing P/E 13.8x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

12-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$315.11M

↑ +13.8% —

Net Income Profit after all expenses

$71.10M

↑ +6.6% —

Operating Margin Operating profit as % of sales

32.2%

↓ -8.1% 88th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.30 Latest / share

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

$0.30

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	13.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+130%)	10.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	-2.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-133%)	41.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+592%)	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	12.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-14.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	28.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	39.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	31.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	16.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	458.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-72.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	6.6% Fair ↑ Fair Improving Year-over-year change in net income	-13.7% Weak ↓ Weak Declining Year-over-year change in net income	30.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.9% Weak ↓ Weak Declining Year-over-year change in net income	53.4% Excellent → Excellent Stable Year-over-year change in net income	31.0% Excellent ↓ Excellent Declining Year-over-year change in net income	17.9% Good ↓ Good Declining Year-over-year change in net income	106.6% Excellent ↑ Excellent Improving Year-over-year change in net income	146.7% Excellent Excellent Year-over-year change in net income	17.4% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.2% Fair Fair Compound annual revenue growth over 3 years	15.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-3.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	14.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	28.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	25.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	103.6% Excellent Excellent Compound annual EPS growth over 3 years	26.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	32.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	35.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	42.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	37.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	49.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	30.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.3% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	22.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	23.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	33.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	10.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	5.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	4.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	5.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$29.74	$24.77	$22.67	$23.40	$20.05	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$6.71	$5.97	$6.95	$5.42	$6.64	$4.76	$3.63	$3.12	$2.40	$0.43	$1.54	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.30	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$73.66	$65.18	$59.57	$52.59	$51.00	$41.08	$35.98	$32.19	$28.90	$23.78	$27.93	—
Tangible Book Value per Share (USD)	$72.70	$64.31	$58.69	$51.71	$51.00	$39.91	$34.81	$31.01	$27.71	$21.67	$27.93	—
Basic Weighted Avg Shares (shares)	10.59M	11.18M	11.06M	10.93M	9.01M	8.22M	8.17M	8.13M	5.07M	3.64M	2.72M	—
Dividend Payout Ratio (%)	4.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$743.11M	$729.83M	$659.02M	$575.90M	$556.99M	$340.79M	$299.12M	$264.52M	$236.88M	$109.49M	$75.95M	$58.74M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$315.11M	$276.91M	$250.74M	$255.75M	$180.70M	—	—	—	—	—	—	—
Depreciation Expense (USD)	$2.90M	$2.70M	$2.60M	$2.50M	$2.40M	$2.50M	$1.60M	$1.36M	$978.00K	$785.00K	$696.00K	—
Net Income, GAAP (USD)	$71.10M	$66.69M	$77.27M	$59.42M	$60.55M	$39.47M	$30.13M	$25.55M	$12.37M	$5.01M	$4.27M	—
Operating Cash Flow (USD)	$88.68M	$148.46M	$42.43M	$85.89M	$37.28M	$87.27M	$38.96M	$27.06M	$31.47M	$14.56M	$5.44M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.5%	3.2%	3.7%	2.2%	2.9%	2.9%	3.3%	3.0%	3.1%	—	—
Efficiency Ratio (%) (%)	55.9%	62.7%	52.5%	58.2%	48.3%	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 12 years · 42 quarters

Metropolitan Bank Holding Corp.

Analytical Summary

12-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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