GS
The Goldman Sachs Group, Inc.
GS has lower modeled downside risk, despite its lower overall score.
MCB
Metropolitan Bank Holding Corp.
MCB has the edge over GS overall, supported by stronger fundamentals and stronger modeled upside.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
MCB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MCB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MCB.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over MCB in the historical PE scenario, which offers more potential upside but is not a forecast.
MCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $72.70 | -25% |
| Forward | 9x | $97.11 | — |
| Current | 9.9x | $97.11 | — |
| Fair | 11x | $105 | +8.4% |
| Expensive | 13x | $132 | +35% |
Historical ranges are pointers, not guarantees.
MCB's PE is in its fair range at 9.9x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
MCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
MCB has the edge over GS on the outlook, with more favorable valuation expectations.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over MCB on earnings, with more consistent year-over-year improvement.
MCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $10.76 | +10% |
| Q3 2026 | $9.78 | +69% |
| Q2 2026 | $7.87 | +27% |
| Q1 2026 | $8.09 | +37% |
| Q4 2025 | $6.62 | +12% |
| Q3 2025 | $5.77 | +7.6% |
| Q2 2025 | $6.18 | -1.1% |
| Q1 2025 | $5.92 | -3.3% |
| Q4 2024 | $5.93 | -14% |
MCB earned $9.78 per share over the past year, up 69% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
MCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $100.6M | +26% |
| Q2 2026 | $93M | +22% |
| Q1 2026 | $88.5M | +25% |
| Q4 2025 | $88.4M | +25% |
| Q3 2025 | $79.8M | +12% |
| Q2 2025 | $76.3M | +13% |
| Q1 2025 | $70.6M | +5.8% |
| Q4 2024 | $71M | +12% |
MCB has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +33 points |
| Q2 2026 | 30% | -5.1 points |
| Q1 2026 | 50% | +17 points |
| Q4 2025 | 47% | +2.4 points |
| Q3 2025 | 13% | -12 points |
| Q2 2025 | 35% | -0.2 points |
| Q1 2025 | 33% | -3.3 points |
| Q4 2024 | 44% | +13 points |
MCB has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
MCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $61.5M | +93% |
| Q2 2026 | -$10.8M | -159% |
| Q1 2026 | $55M | +609% |
| Q4 2025 | $30.7M | -63% |
| Q3 2025 | $31.8M | +562% |
| Q2 2025 | $18.4M | -48% |
| Q1 2025 | $7.8M | -69% |
| Q4 2024 | $83.4M | +$114.2M |
MCB has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over MCB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
MCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +55K shares |
| 1 year | +19% | +2M shares |
| 3 years | +13% | +1.4M shares |
| 5 years | +41% | +3.7M shares |
| Available history | +51% | +4.2M shares |
MCB has 13M diluted shares, up 19% from a year ago, despite $40M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $9.8M |
| Q2 2026 | — |
| Q1 2026 | $9.9M |
| Q4 2025 | $20.2M |
| Q3 2025 | $2.7M |
| Q2 2025 | $37.6M |
| Q1 2025 | $12.9M |
MCB spent $40M buying back its own shares over the past year.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over MCB on leverage, with a lower net debt burden relative to earnings.
MCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.4x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -4.9x | Net Cash |
| Q4 2025 | -3.4x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | 0.1x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | 0.4x | Very low |
MCB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like MCB.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
MCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.6 | Neutral |
| Stochastic | 78.7 | Neutral |
MCB's weekly RSI is 60 (neutral) and its Stochastic is 79 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
MCB PE vs Financial Services Sector
| Metric | MCB | Sector median | Relative |
|---|---|---|---|
| PE | 9.9x | 13x | 24% below |
| PE % | 44 | 63 | 19 pts below |
MCB has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
MCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.2 | 5.3% above |
| 20 week MA | $93.0 | 4.5% above |
| 50 week MA | $89.2 | 8.9% above |
| 100 week MA | $77.8 | 25% above |
| 200 week MA | $60.9 | 60% above |
MCB has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
MCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $47.9 | $35.8 | -25% |
| 2021 | $35.8 | $100.4 | +180% |
| 2022 | $100.4 | $57.9 | -42% |
| 2023 | $57.9 | $55.4 | -4.3% |
| 2024 | $55.4 | $58.2 | +5% |
| 2025 | $58.2 | $78.3 | +35% |
| 2026 YTD | $78.3 | $97.1 | +24% |
MCB has the edge over GS on returns for 2026, with the stronger performance.