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
$801.50M
P/E (TTM)
11.4
13.2
Dividend Yield
0.6%
52W High
$97.84
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
Q4 2025 Data
Revenue
$140.55M+13.13%
4-Quarter Trend
EPS
$2.83+48.17%
4-Quarter Trend
FCF
$27.85M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Net Interest Margin Growth NIM reached 3.88% (up 35 bps) driven by loan spread discipline; efficiency improved to 55.86%.
Assets and Deposits Expanded Total assets grew 13.1% to $8.26B; deposit base increased 23.3% to $7.38B, supporting loan growth.
Increased Credit Loss Provisioning Provision for credit losses increased significantly to $37.6M in 2025, reflecting higher loan growth and credit stress.
Solid Capital Ratios Maintained CET1 ratio at 10.7% and Total Risk-Based Capital at 12.3%, exceeding minimum requirements comfortably.
Risk Factors
Credit Quality Deterioration Noted Non-performing loans surged to $86.9M (1.28% ratio) due to single out-of-market CRE multi-family loan.
Interest Rate Risk Exposure A 200 basis point upward rate shift could decrease Economic Value of Equity (EVE) by 7.8% based on simulation.
CRE/C&I Loan Concentration CRE and C&I loans comprise 85.9% of portfolio; Healthcare concentration stands at $2.8B (41.4% of total loans).
Cybersecurity and Operational Risks Reliance on complex IT systems and third-party providers creates vulnerability to breaches, disruption, and regulatory scrutiny.
Outlook
Focus on Relationship Banking Growth Strategy centers on organically growing existing client relationships and expanding physical footprint into South Florida markets.
Continued Digital Transformation Investment Management anticipates continued significant investment in digital infrastructure and AI integration to maintain competitive positioning.
Managing Loan Portfolio Risk Will continue disciplined underwriting and monitoring concentration risk, especially within the CRE and Healthcare sectors.
Future Dividend Discretion Maintained Future dividend payments remain subject to Board discretion, capital needs, and overall financial condition; shareholders rely on appreciation.
Peer Comparison
Revenue (TTM)
$730.38M
$655.25M
$527.15M
Gross Margin (Latest Quarter)
88.4%
82.0%
81.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| DCOM | $1.41B | 12.5 | 7.7% | 2.4% |
| AMAL | $1.14B | 10.9 | 13.7% | 1.1% |
| EQBK | $929.32M | 37.1 | 3.4% | 7.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.7%
Moderate Growth
4Q Net Income CAGR
20.8%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 20, 2026
EPS:$2.19
|Revenue:$87.33M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data