Stocks · Financial Services · Banks - Regional
Metropolitan Bank Holding Corp. MCB
$89.25 +1.88% Close, Oct 2, 2026 · NYSE · Market cap $1.11B
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 12.2% from 19.7% a year earlier.
- Diluted EPS over the last four quarters was $7.90, up 28.0% year over year.
- The diluted share count rose 7.9% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 8%
- EPS growth (TTM, YoY)Top 39%
- FCF growth (TTM, YoY)Bottom 26%
- Revenue growth, 3-year CAGRTop 25%
- Revenue growth accelerationBottom 6%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 38%
- Gross marginBottom 19%
- Operating marginBottom 27%
- Cash conversion (OCF / net income)Top 45%
- Accruals (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Top 41%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 26%
- Free-cash-flow yieldTop 43%
- EBITDA / enterprise valueBottom 35%
- Sales / enterprise valueTop 38%
- P/E vs own 5-year history (lower is better)Bottom 45%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnTop 48%
- 1-year return vs S&P 500Top 31%
- Distance from 52-week highBottom 42%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 14%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetBottom 38%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 35%
- Maximum drawdown, 3 yearsBottom 23%
- Beta vs S&P 500 (lower is better)Bottom 23%
- Net debt / EBITDA (lower is better)Top 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.5% | -16.6% | ↓ |
| EPS growth (YoY) | 37.4% | 28.0% | ↓ |
| Gross margin | 54.5% | 45.9% | ↓ |
| Operating margin | 19.7% | 12.2% | ↓ |
| FCF margin | 21.8% | 23.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -16.6% | 9.5% | ↓ | Bottom 8% |
| EPS growth (TTM, YoY) | 28.0% | 37.4% | ↓ | Top 39% |
| Gross margin | 45.9% | 54.5% | ↓ | Bottom 19% |
| Operating margin | 12.2% | 19.7% | ↓ | Bottom 27% |
| Net margin | 20.6% | 13.7% | ↑ | — |
| Free-cash-flow margin | 23.8% | 21.8% | ↑ | — |
| Return on invested capital | 3.2% | — | Top 38% | |
| Revenue growth, 3-year CAGR | 22.4% | — | Top 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.23×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.57×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.77%
- Net buyback yield (TTM)
- -13.86%
- Shareholder yield
- -13.09%
- Share count change, 1 year
- +7.9%
- Share count change, 3-year CAGR
- +0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -12.1%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $100.00
- Target vs current price
- +12.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | -33.0% | +0.5% | -7.4% | -5.3% | — |
| Apr 21, 2026 | +26.4% | -2.7% | -1.3% | -3.5% | +11.0% |
| Jan 20, 2026 | +25.9% | +0.2% | +11.7% | +18.8% | +12.2% |
| Oct 23, 2025 | -67.8% | -1.0% | -11.2% | -7.5% | +5.8% |
| Jul 17, 2025 | +8.6% | +3.5% | +4.1% | +0.5% | +1.6% |
| Apr 21, 2025 | -9.9% | +1.6% | +11.4% | +20.7% | +35.0% |
| Jan 23, 2025 | +26.2% | +1.0% | +6.3% | +1.7% | -9.5% |
| Oct 17, 2024 | +20.0% | +3.5% | -9.0% | +7.9% | -1.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.54 | $2.30 | -33.0% | $93.0M |
| Apr 21, 2026 | $2.92 | $2.31 | +26.4% | $88.5M |
| Jan 20, 2026 | $2.77 | $2.20 | +25.9% | $88.4M |
| Oct 23, 2025 | $0.67 | $2.08 | -67.8% | $79.8M |
| Jul 17, 2025 | $1.76 | $1.62 | +8.6% | $76.3M |
| Apr 21, 2025 | $1.45 | $1.61 | -9.9% | $70.6M |
| Jan 23, 2025 | $1.88 | $1.49 | +26.2% | $71.0M |
| Oct 17, 2024 | $1.86 | $1.55 | +20.0% | $71.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.3× | 10.7× | 62th | Top 26% |
| P/E (forward) | 9.4× | — | — | — |
| EV / EBITDA | 24.6× | — | — | Bottom 35% |
| EV / Sales | 2.70× | — | — | Top 38% |
| Free-cash-flow yield | 9.01% | — | — | Top 43% |
| Earnings yield | 8.85% | — | — | Top 26% |
P/E over the past five years
Range 3.4× – 16.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +20.0%
- Earnings per share growth (TTM)
- +28.0%
- Change in P/E multiple
- +5.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 1
- 50-day average slope (20 days)
- -3.5%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -2.1%
- Distance from 200-day average
- +0.0%
- RSI (14)
- 47.7
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.5%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.96
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -11.9%
- Maximum drawdown, 3 years
- -42.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | May 4, 2023 | -82.3% | 327 days | Not yet recovered |
| Oct 7, 2020 | Oct 28, 2020 | -14.3% | 15 days | 9 days (Nov 10, 2020) |
| Jun 8, 2021 | Jul 19, 2021 | -14.1% | 28 days | 4 days (Jul 23, 2021) |
| Nov 24, 2020 | Dec 1, 2020 | -11.8% | 4 days | 5 days (Dec 8, 2020) |
| Nov 16, 2021 | Dec 20, 2021 | -10.5% | 23 days | 4 days (Dec 27, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.11B
- P/E (TTM)
- 11.3
- EPS, diluted (TTM)
- $7.90
- Revenue (TTM)
- $419.5M
- Dividend yield
- 1.06%
- 52-week range
- $64.66 – $102.04
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $197.0M | $287.3M | $403.3M | $492.2M | $527.1M |
| Gross profit | $176.9M | $245.6M | $238.5M | $270.7M | $277.5M |
| Operating income | $89.6M | $96.9M | $106.9M | $97.1M | $101.5M |
| Net income | $60.6M | $59.4M | $77.3M | $66.7M | $71.1M |
| EPS (diluted) | $6.45 | $5.29 | $6.91 | $5.93 | $6.62 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $126.7M | $124.2M | $122.4M | $129.7M | $134.5M | $140.5M | $137.5M | $6.9M |
| Net income | $12.3M | $21.4M | $16.4M | $18.8M | $7.1M | $28.9M | $31.4M | $19.2M |
| EPS (diluted) | $1.08 | $1.88 | $1.45 | $1.76 | $0.67 | $2.77 | $2.92 | $1.54 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $37.3M | $85.9M | $42.4M | $148.5M | $88.7M |
| Capital expenditure | -$4.0M | -$19.2M | -$5.7M | -$2.6M | -$6.3M |
| Free cash flow | $33.3M | $66.6M | $36.7M | $145.8M | $82.4M |
| Dividends paid | $0 | $0 | $0 | $0 | -$3.1M |
| Net share buybacks | $159.3M | -$1.6M | -$3.2M | -$4.6M | -$77.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $10.3M
- Total assets
- $8.86B
- Total liabilities
- $7.89B
- Total debt
- $36.6M
- Net debt
- $26.3M
- Shareholders’ equity
- $968.2M
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.35 | Aug 11, 2026 |
| May 1, 2026 | $0.25 | May 12, 2026 |
| Jan 27, 2026 | $0.20 | Feb 6, 2026 |
| Oct 30, 2025 | $0.15 | Nov 14, 2025 |
| Jul 28, 2025 | $0.15 | Aug 11, 2025 |
Short interest
- Shares sold short
- 621,507
- Days to cover
- 5.40
- Change vs previous report
- +5.3%
FINRA short interest, settlement date Sep 15, 2026.