
Metropolitan Bank Holding Corp.
NYSE•MCB
CEO: Mr. Mark R. DeFazio
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2017-11-08
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, money market, demand deposit, and other interest-bearing transaction accounts. It also provides lending products, including commercial real estate, multi-family, construction, 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 cards. 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.
Contact Information
Market Cap
$818.69M
P/E (TTM)
13.0
15.1
Dividend Yield
0.4%
52W High
$83.48
52W Low
$47.08
52W Range
Rank51Top 71.3%
3.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q3 2025 Data
Revenue
$134.53M+6.14%
4-Quarter Trend
EPS
$0.68-38.18%
4-Quarter Trend
FCF
$31.49M+654.79%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong Net Interest Margin Growth Q3 NIM reached 3.88%, driven by loan/deposit pricing initiatives; 9-month NIM improved 31 basis points to 3.80%.
Loan and Deposit Expansion Total assets grew 12.8% to $8.23B supported by $1.1B deposit increase; net loans grew 12.4% to $6.69B.
Asset Quality Pressure Rises Non-performing loans increased sharply to $81.6M; provision for credit losses totaled $34.7M for nine months.
Capital Ratios Remain Strong Company maintained strong capital levels; CET1 ratio at 10.6% and total risk-based capital ratio at 12.2%.
Risk Factors
CRE Credit Quality Concerns Asset quality decline driven by single CRE multi-family relationship; non-performing loans more than doubled since year-end 2024.
Uninsured Deposit Levels Aggregate estimated FDIC uninsured deposits reached $1.8B as of September 30, 2025, posing potential liquidity sensitivity.
Derivative Market Exposure Non-designated interest rate swaps ($69.0M notional) are marked to market, potentially impacting earnings volatility.
Ongoing Regulatory Scrutiny Company faces ongoing legal actions related to the exited GPG BaaS business; management currently deems aggregate liability immaterial.
Outlook
Credit Loss Outlook Cautious Future ACL adjustments depend on macroeconomic forecasts and performance of the specific CRE relationship causing recent charge-offs.
Core Business Focus Exited GPG BaaS business in 2024; focus remains on core lending in New York metro area and South Florida.
Share Repurchase Activity Board authorized $50M share repurchase plan in July 2025; $47.3M remains available for future stock buybacks.
Interest Rate Sensitivity Forecast NII forecast shows sensitivity to rate shifts; 200 basis point upward shift projects a 0.13% NII decrease.
Peer Comparison
Revenue (TTM)
$670.02M
MCB$510.83M
$454.01M
Gross Margin (Latest Quarter)
79.8%
75.3%
72.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| DCOM | $1.36B | 22.8 | 4.1% | 5.7% |
| AMAL | $1.04B | 10.2 | 13.8% | 1.0% |
| SBSI | $970.23M | 13.9 | 8.6% | 6.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.7%
Moderate Growth
4Q Net Income CAGR
-30.7%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow
Research & Insights
Next earnings:Jan 20, 2026
EPS:$2.20
|Revenue:$83.15M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 7, 2025|Revenue: $134.53M+6.1%|EPS: $0.68-38.2%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 1, 2025|Revenue: $129.67M+6.4%|EPS: $1.78+18.7%MeetForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 2, 2025|Revenue: $122.41M+2.6%|EPS: $1.46+0.0%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 28, 2025|Revenue: $492.21M+22.0%|EPS: $5.96-14.2%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 8, 2024|Revenue: $126.74M+21.4%|EPS: $1.10-44.7%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $121.90M+25.9%|EPS: $1.50+7.9%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 3, 2024|Revenue: $119.34M+32.3%|EPS: $1.46-35.4%BeatForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 28, 2024|Revenue: $403.31M+40.4%|EPS: $6.95+28.2%Beat