MCB - NYSE
Metropolitan Bank Holding Corp.
$87.21
-3.2%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, and money market accounts, as well as certificates of deposit. It also provides lending products, including commercial real estate, construction, multi-family, 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 card services. It operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York.
At a Glance
Live SnapshotMetropolitan Bank Holding Corp. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Metropolitan Bank Holding Corp. Cash Flow Statement
MCB • NYSE
| Metropolitan Bank Holding Corp. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||
71.1M | 66.7M | 77.3M | 59.4M | 60.6M | 39.5M | 30.1M | 25.6M | 12.4M | 5M | 4.3M | |
0.0 | -11.4M | 7.1M | 9.7M | 5.1M | 4.6M | 1.6M | 1.4M | 978K | 785K | 696K | |
0.0 | -2.8M | -2.8M | -4M | -120K | 290K | -1.9M | -1.5M | 790K | -913K | -455K | |
0.0 | 8.9M | 9.8M | 7.8M | 4.8M | 3.3M | 3.1M | 2.2M | 412K | 2.3M | 447K | |
25M | 3.3M | 12.2M | 10.3M | 5.6M | 6.6M | 7.5M | 4.6M | 7.3M | 8.4M | 1.5M | |
(25.9M) | (34.8M) | (36.2M) | (35.3M) | (24.2M) | (19.1M) | (15.2M) | (13.8M) | (8.8M) | (5.3M) | (3.3M) | |
-7.4M | 83.8M | -61.2M | 2.6M | -38.6M | 33M | -1.5M | -5M | 9.6M | -1M | -1M | |
88.7M | 148.5M | 42.4M | 85.9M | 37.3M | 87.3M | 39M | 27.1M | 31.5M | 14.6M | 5.4M | |
INVESTING ACTIVITIES | |||||||||||
(0.0) | -2.6M | -5.7M | -19.2M | -4M | -3.9M | -6.8M | -2M | -2.2M | -1.2M | -1.7M | |
(0.0) | -72.8M | -71.4M | -207.4M | -868.4M | -238.5M | -237.9M | -20.6M | -9.8M | -4.4M | -10.5M | |
0.0 | 92.9M | 108.3M | 121.4M | 171.5M | 218.3M | 37.4M | 11.8M | 14.6M | 12.3M | 9.8M | |
-763M | -387.1M | -806.6M | -1.1B | -602.1M | -464.9M | -807.5M | -443.9M | -369.2M | -240.4M | -184.6M | |
-763M | -369.6M | -775.4M | -1.2B | -1.3B | -489M | -1B | -454.6M | -366.6M | -233.7M | -187.1M | |
FINANCING ACTIVITIES | |||||||||||
-73.5M | -4.6M | -3.2M | -1.6M | 159.3M | -881K | -89K | -132K | 114.8M | 28.4M | 12.6M | |
-446.5M | -89.1M | 288.9M | 200.6M | -4.5M | -150M | 2M | 142.8M | -11.8M | -17.7M | 32.2M | |
-3.1M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -3.4M | (0.0) | |
-73.5M | -4.6M | -3.2M | -1.6M | -3.4M | -881K | -89K | -132K | (0.0) | (0.0) | (0.0) | |
1.4B | 245.7M | 459.4M | -1.2B | 2.6B | 1B | 1.1B | 256.6M | 410.5M | 227.7M | 156.8M | |
867.6M | 152M | 745.1M | -958.5M | 2.8B | 876.9M | 1.1B | 399.2M | 513.5M | 236.4M | 201.6M | |
CASH FLOW SUMMARY | |||||||||||
193.3M | -69.2M | 12M | -2.1B | 1.5B | 475.1M | 156.3M | -28.3M | 178.3M | 17.3M | 20M | |
200.3M | 269.5M | 257.4M | 2.4B | 864.3M | 389.2M | 233M | 261.2M | 82.9M | 65.6M | 45.7M | |
393.6M | 200.3M | 269.5M | 257.4M | 2.4B | 864.3M | 391.2M | 233M | 261.2M | 82.9M | 65.6M | |
82.4M | 145.8M | 36.7M | 66.6M | 33.3M | 83.4M | 32.1M | 25.1M | 29.3M | 13.4M | 3.7M |
SEC Filings
MCB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 20, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 16, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 02, 2026 | March 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 25, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 25, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 25, 2026 | 2026 |
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