MCB
Metropolitan Bank Holding Corp.
MCB's fundamentals are strong: revenue grew 24% and its operating margin rose 12 points to 43%. At 9.9x earnings, it's trading in line with its usual 11x. Analysts expect earnings growth.
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.
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.
MCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MCB, with profitability improving.
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.
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's revenue has grown year over year for 11 quarters in a row: $101M last quarter, up 26% from the same quarter a year ago.
| 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's operating margin was 46% last quarter, up 33 points from the same quarter a year ago.
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's free cash flow was $136M over the past year, down 3.4% from the year before. Free cash flow isn't a meaningful measure for financial services companies like MCB.
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.
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.
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).
MCB PE vs Financial Services Sector
| Metric | MCB | Sector median | Relative |
|---|---|---|---|
| PE | 9.9x | 13x | 24% below |
| PE % | 44 | 63 | 19 pts below |
MCB is trading at 9.9x earnings, a 24% discount to the Financial Services sector's median of 13x.
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 is in an uptrend: it's above all five of its weekly moving averages, and 60% above its 200-week average.
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's yearly returns have swung widely, from +180% in 2021 to −42% in 2022. It's up 24% so far in 2026.