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 SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 13.0).
Valuation inputs: P/E 13.0, earnings yield +7.7%, momentum -3.2%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +9.6%, ROIC +0.8%).
Profitability stack: net margin +13.5%, ROE +9.6%, ROIC +0.8%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +91.0%, momentum -3.2%, net margin +13.5%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Metropolitan Bank Holding Corp. Market vs Earnings Trajectory
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Metropolitan Bank Holding Corp. Fair Value Envelope
Metropolitan Bank Holding Corp. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.
Metropolitan 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. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Metropolitan Bank Holding Corp. Street Expectations Map
Wall Street analysts project that MCB stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 97.00, with estimates ranging from a low of 97.00 to a high of 97.00.
The consensus 1-year price target stands at 97.00, with estimates ranging from a low of 97.00 to a high of 97.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Metropolitan Bank Holding Corp. Insider Positioning
During the last 12 months, insiders have purchased $163K and sold $957K worth of MCB shares, resulting in $794K of net selling activity.
3 Months
1.0K
79.95K
3.0K
268.75K
-189K
-$189K
3-6 Months
0
0.00
6.9K
636.02K
-636K
-$636K
6-9 Months
1.2K
83.01K
717
52.38K
+31K
+$31K
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Dougherty Daniel F
Officer: Evp & Chief Financial Officer
$152K
Fabiano Anthony J
Director
$10K
Erikson Frederik F
Officer: Evp & General Counsel
$1K
Top Sellers
Patent Robert C
Director
$473K
Gutman Harvey
Director
$269K
Rosenberg Nick
Officer: Executive Vice President
$163K
Lublin Scott
Officer: Evp And Chief Lending Officer
$52K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $794K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
4 insider sellers vs. 3 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
mcb Dividend History
Learning Layer
Related Guides
Build conviction on MCB by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.