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MCB

Metropolitan Bank Holding Corp.

MCB

Metropolitan Bank Holding Corp. • NYSE
$74.61 ▼ -0.63% (-0.47)
Market Cap $768.33 M
52w High $81.33
52w Low $47.08
Dividend Yield 0.60%
P/E 12.91
Volume 17.00K
Outstanding Shares 10.30M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $134.527M ▲ $45.794M ▲ $7.119M ▼ 5.292% ▼ $0.68 ▼ $4.814M ▼
Q2-2025 $129.666M ▲ $43.109M ▲ $18.767M ▲ 14.473% ▲ $1.78 ▲ $26.783M ▲
Q1-2025 $122.408M ▼ $42.722M ▲ $16.354M ▼ 13.36% ▼ $1.46 ▼ $21.911M ▼
Q4-2024 $124.23M ▼ $38.161M ▼ $21.418M ▲ 17.241% ▲ $1.91 ▲ $31.343M ▲
Q3-2024 $126.739M $51.257M $12.266M 9.678% $1.1 $14.276M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $920.724M ▲ $8.234B ▲ $7.502B ▲ $732.04M ▲
Q2-2025 $686.31M ▲ $7.854B ▲ $7.131B ▲ $722.968M ▼
Q1-2025 $253.407M ▼ $7.616B ▲ $6.878B ▲ $737.846M ▲
Q4-2024 $267.16M ▼ $7.301B ▼ $6.571B ▼ $729.827M ▲
Q3-2024 $829.444M $7.403B $6.688B $715.191M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $7.119M ▼ $31.795M ▲ $-150.451M ▲ $352.139M ▲ $233.483M ▲ $31.49M ▲
Q2-2025 $18.767M ▲ $18.384M ▲ $-281.42M ▲ $219.026M ▼ $-44.01M ▼ $17.506M ▲
Q1-2025 $16.354M ▼ $7.765M ▼ $-306.725M ▼ $295.155M ▲ $-3.805M ▲ $5.579M ▼
Q4-2024 $21.418M ▲ $83.406M ▲ $-114.572M ▼ $-87.044M ▼ $-118.21M ▼ $82.268M ▲
Q3-2024 $12.266M $4.801M $-31.162M $100.177M $73.816M $4.172M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Other service charges and fees
Other service charges and fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Service charges on deposit accounts
Service charges on deposit accounts
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Metropolitan Bank’s income statement shows a bank that has grown steadily but is coming off a peak in profitability. Revenue has climbed consistently over the last five years, reflecting successful expansion of its lending and fee-based activities. Core profits have generally kept pace, but earnings per share and net income appear to have eased slightly from a very strong year, suggesting some pressure on margins. That pressure likely comes from higher funding costs, a more competitive deposit environment, or more conservative credit provisioning. Overall, the business still looks solidly profitable, but not at the unusually strong levels seen in the recent past.

Balance Sheet

Balance Sheet The balance sheet tells a story of rapid growth and scaling up. Total assets have increased meaningfully over the period, while shareholders’ equity has also strengthened, indicating retained earnings and an enlarged capital base. At the same time, the bank is using more debt funding than it did a few years ago, which boosts growth capacity but also raises financial leverage and sensitivity to interest rates and markets. Cash levels were unusually high a few years back and have since normalized, pointing to a shift from holding excess liquidity toward putting funds to work in loans and other earning assets. The balance sheet looks more mature and growth-oriented, with the corresponding trade‑off of higher complexity and risk to manage.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive, although it has moved up and down from year to year, which is typical for a growing lender as loan origination and repayments fluctuate. Free cash flow broadly tracks operating cash flow because capital spending is relatively modest; this suggests the bank’s growth is driven more by expanding its loan book and relationships than by heavy physical investment. The pattern indicates that underlying earnings are real and converting into cash, but cash flows can be choppy as the bank leans into growth and adjusts its mix of loans, securities, and funding sources.

Competitive Edge

Competitive Edge MCB operates as a niche-focused regional bank rather than a scale-driven mass-market player. Its edge comes from deep relationships and specialization in specific segments like immigrant investor programs, law firms, municipalities, residential healthcare, charter schools, and property-related businesses. In these areas it can offer tailored products and attentive service that larger, more generic banks may struggle to match. Exiting crypto and Banking‑as‑a‑Service reduces regulatory and reputational risk and refocuses the franchise on its core strengths, but it also removes a potentially high-growth, fee-heavy line of business. The main strategic risks are concentration in select niches, competition from both big banks and fintechs targeting the same clients, and the need to maintain service quality as the bank scales.

Innovation and R&D

Innovation and R&D Despite being a regional bank, MCB is investing heavily in technology and data capabilities. Its “Modern Banking in Motion” program centers on a full technology stack upgrade, aiming to improve scalability, efficiency, and customer experience by mid‑decade. Partnerships with digital banking and payments providers allow it to offer strong online onboarding, omnichannel banking, and modern real-time payment capabilities (including FedNow) without building everything in‑house. The creation of an Office of Artificial Intelligence, with dedicated leadership, is an unusually forward-leaning move for a bank of this size and signals a push to embed AI into risk management, fraud detection, and personalized services. The opportunity is meaningful efficiency and service gains; the key risk is execution—large tech overhauls can be costly, complex, and slower than planned.

Summary

Overall, Metropolitan Bank looks like a growing, niche-oriented regional bank that is deliberately shifting from a phase of exceptional earnings and elevated liquidity toward a more normalized, but larger and more technology-enabled, franchise. Revenue and profits are healthy, even if they are slightly below peak levels, and the balance sheet has expanded with increased use of debt funding alongside stronger equity. Cash generation supports the picture of a real, cash-earning business, though the usual banking cyclicality and credit risks remain. Strategically, the bank’s focus on specialized customer segments, combined with meaningful investments in digital infrastructure and AI, could reinforce its differentiated position if executed well. The main uncertainties lie in credit quality within its chosen niches, the future interest rate environment, regulatory oversight of specialty banking models, and the bank’s ability to deliver on its ambitious technology roadmap without disruption or cost overruns.

NEWS

November 4, 2025 · 8:00 AM UTC

MCB Real Estate Proposes to Acquire Whitestone REIT for $15.20 Per Share

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October 27, 2025 · 7:05 AM UTC

Metropolitan Commercial Bank Names Emma Krentz as AI Scientist to Advance Technological Strategy

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October 23, 2025 · 4:05 PM UTC

Metropolitan Bank Holding Corp. Reports Third Quarter 2025 Results

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October 21, 2025 · 8:30 AM UTC

Metropolitan Bank Holding Corp. Declares Quarterly Common Stock Cash Dividend

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October 3, 2025 · 2:47 PM UTC

Metropolitan Bank Holding Corp. Announces Third Quarter 2025 Earnings Release and Conference Call Date

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