MCB

NEUTRAL

$88.7 Live

Metropolitan Bank Holding Corp. · NYSE

Target $104.67 (+18.0%)

$60.22 52W Range $97.84

MCB Metropolitan Bank Holding Corp. - Fundamental Analysis

NEUTRAL

Console Chart News

MCB Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$88.7

Analyst Target

$104.67

+18.0% Upside

52W High

$97.84

52W Low

$60.22

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026

Market cap

$1.1B

P/E

10.96

ROE

10.2%

Profit margin

28.5%

Debt/Equity

N/A

Dividend yield

1.13%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

MCB presents a stark dichotomy between extreme valuation attractiveness and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($115.79) and Intrinsic Value ($238.66), the low F-Score suggests poor quality of earnings or declining operational efficiency. Explosive YoY earnings growth (101.4%) is offset by bearish insider sentiment and a very weak technical trend (10/100). The company's reliance on Banking-as-a-Service (BaaS) introduces regulatory risks that may be pricing into the current discount.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Exceptional YoY earnings growth of 101.40%

Strong revenue growth (37.40% YoY) outperforming sector averages

Very low dividend payout ratio (6.18%), indicating high capacity for future increases

Low P/E ratio (10.96) compared to the financial services sector average (34.73)

Key Risks

Critical financial health warning indicated by Piotroski F-Score of 2/9

Bearish insider activity with $2.72M in recent sales and zero buys

High regulatory and cybersecurity risk associated with Banking-as-a-Service (BaaS) model

Severe technical bearishness (Technical Trend: 10/100)

High volatility in quarterly earnings surprises, including a -67.7% miss in late 2025

AI Fair Value Estimate

Based on comprehensive analysis

$122.5

+38.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Extreme valuation discount, Critical F-Score failure, High growth metrics, Bearish insider/technical signals

Confidence

90%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

P/E of 10.96 is very low
Price is well below Graham Number ($115.79)

Watchpoints

Market is pricing in significant risk

Future

85/100

Ref Growth rates

Positives

101.4% Earnings Growth
37.4% Revenue Growth

Watchpoints

Sustainability of BaaS growth is uncertain

Past

60/100

Ref Historical trends

Positives

Strong 3Y change (+234.4%)

Watchpoints

Inconsistent quarterly earnings surprises

Health

20/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Positive ROA (1.05%)

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health

Dividend

30/100

Ref Yield, Payout

Positives

Very low payout ratio

Watchpoints

Low dividend yield (1.13%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$88.7

Analyst Target

$104.67

Upside/Downside

+18.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MCB and closest competitors.

Updated 2026-04-29

Company	5Y	3Y	1Y	6M	1M	1W
MCB Metropolitan Bank Holding Corp. Primary	+42.1%	+234.4%	+43.4%	+33.3%	+8.1%	+1.2%
EVV Eaton Vance Limited Duration Income Fund Peer	+21.6%	+33.4%	+6.0%	-1.7%	+3.0%	-0.1%
MFIC MidCap Financial Investment Corporation Peer	+50.0%	+48.5%	+19.2%	+7.2%	+14.0%	+2.0%
JCAP Jefferson Capital, Inc. Peer	+11.9%	+11.9%	+11.9%	+17.2%	-2.5%	+3.0%
BITF Bitfarms Ltd. Peer	-63.7%	+89.7%	+133.5%	-34.8%	-16.4%	-20.4%

MCB

Metropolitan Bank Holding Corp.

Primary

+42.1%

+234.4%

+43.4%

+33.3%

+8.1%

+1.2%

EVV

Eaton Vance Limited Duration Income Fund

Peer

+21.6%

+33.4%

+6.0%

-1.7%

+3.0%

-0.1%

MFI

MidCap Financial Investment Corporation

Peer

+50.0%

+48.5%

+19.2%

+7.2%

+14.0%

+2.0%

JCA

Jefferson Capital, Inc.

Peer

+11.9%

+17.2%

-2.5%

+3.0%

BIT

Bitfarms Ltd.

Peer

-63.7%

+89.7%

+133.5%

-34.8%

-16.4%

-20.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.96

7.49

N/A

1.2

3.65

1.53

N/A

$1.1B

Profitability

Profit margins and return metrics

Profit Margin 28.51%

Operating Margin 50.93%

Gross Margin N/A

ROE 10.22%

ROA 1.05%

Growth

Revenue and earnings growth rates

Revenue Growth +37.4%

Earnings Growth +101.4%

Q/Q Revenue Growth +10.16%

Q/Q Earnings Growth +92.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$54.26

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-16

$N/A

2026-04-21

$2.92

+26.6% surprise

2026-01-20

$2.72

+23.6% surprise

2025-10-23

$0.67

-67.7% surprise

Financial Services Sector Comparison

Comparing MCB against 900 companies in the Financial Services sector (146 bullish, 386 neutral, 368 bearish)

P/E Ratio

10.96

This Stock

34.62

Sector Avg

-68.3% (Discount)

Return on Equity (ROE)

10.22%

This Stock

0.0%

Sector Avg

+358152.2% (Excellent)

Profit Margin

28.51%

This Stock

91.87%

Sector Avg

-69.0% (Weaker)

Revenue Growth

37.4%

This Stock

34.34%

Sector Avg

+8.9% (Growing)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
MCB Metropolitan Bank Holding Corp.	NEUTRAL	$1.1B	10.96	10.2%	28.5%	$88.7
EVV Eaton Vance Limited...	NEUTRAL	$1.1B	13.96	5.4%	56.6%	$9.49	Compare
MFIC MidCap Financial...	BEARISH	$1.1B	17.32	4.7%	19.7%	$11.78	Compare
JCAP Jefferson Capital, Inc.	NEUTRAL	$1.11B	3.55	43.8%	31.0%	$20.01	Compare
BITF Bitfarms Ltd.	NEUTRAL	$1.11B	-	-12.5%	-46.4%	$1.84	Compare

MCB Metropolitan...

NEUTRAL

Mkt Cap

$1.1B

P/E

11.0

ROE

10.2%

Price

$88.7

Compare with MCB

Compare with MCB

JCAP Jefferson Capital, Inc.

Compare with MCB

Compare with MCB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-10	DOUGHERTY DANIEL F.	Chief Financial Officer	Purchase	1,000	$79,950
2026-03-02	ROSENBERG NICK	Officer	Stock Award	4,241	-
2026-03-02	DEFAZIO MARK R	Chief Executive Officer	Stock Award	71,893	-
2026-03-02	LUBLIN SCOTT	Officer	Stock Award	23,045	-
2026-03-02	CAPRA LAURA	Officer	Stock Award	4,650	-
2026-03-02	BERRIOS DIXIANA M.	Chief Operating Officer	Stock Award	3,432	-
2026-03-02	SCOTT NORMAN	Officer	Stock Award	2,296	-
2026-03-02	ERIKSON FREDERIK F	General Counsel	Stock Award	4,536	-
2026-03-02	BONNAR GERALD DAVID	Officer	Stock Award	2,153	-
2026-03-02	DOUGHERTY DANIEL F.	Chief Financial Officer	Stock Award	5,487	-
2026-03-02	GAARE GREGORY	Officer	Stock Award	2,414	-
2026-02-25	DEFAZIO MARK R	Chief Executive Officer	Stock Award	5,882	$499,970
2026-01-27	WOLF GEORGE J JR	Director	Gift	1,720	-
2026-01-23	PATENT ROBERT C	Director	Stock Award	2,500	-
2026-01-23	PATENT ROBERT C	Director	Sale	14,445	$1,360,131

DOUGHERTY DANIEL F.

Chief Financial Officer

Buy

2026-03-10

1,000 shares · $79,950

ROSENBERG NICK

Officer

Stock Award

2026-03-02

4,241 shares

DEFAZIO MARK R

Chief Executive Officer

Stock Award

2026-03-02

71,893 shares

LUBLIN SCOTT

Officer

Stock Award

2026-03-02

23,045 shares

CAPRA LAURA

Officer

Stock Award

2026-03-02

4,650 shares

BERRIOS DIXIANA M.

Chief Operating Officer

Stock Award

2026-03-02

3,432 shares

SCOTT NORMAN

Officer

Stock Award

2026-03-02

2,296 shares

ERIKSON FREDERIK F

General Counsel

Stock Award

2026-03-02

4,536 shares

BONNAR GERALD DAVID

Officer

Stock Award

2026-03-02

2,153 shares

DOUGHERTY DANIEL F.

Chief Financial Officer

Stock Award

2026-03-02

5,487 shares

GAARE GREGORY

Officer

Stock Award

2026-03-02

2,414 shares

DEFAZIO MARK R

Chief Executive Officer

Stock Award

2026-02-25

5,882 shares · $499,970

WOLF GEORGE J JR

Director

Gift

2026-01-27

1,720 shares

PATENT ROBERT C

Director

Stock Award

2026-01-23

2,500 shares

PATENT ROBERT C

Director

Sell

2026-01-23

14,445 shares · $1,360,131

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

FORM 8-K

2026-04-29

MCB filed an 8-K on April 29, 2026, likely to announce its first-quarter financial results.

8-K

2026-04-21

MCB filed an 8-K on April 21, 2026, likely to announce its first-quarter financial results.

8-K

2026-04-20

MCB filed an 8-K on April 20, 2026, likely to announce its first-quarter financial results.

DEF 14A

FORM DEF 14A

2026-03-20

MCB filed a definitive proxy statement on March 20, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K

FORM 8-K

2026-03-16

MCB filed a Form 8-K, likely to announce its annual financial results for the 2025 fiscal year.

8-K

2026-03-02

MCB filed an 8-K on March 2, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

FORM 8-K

2026-02-26

MCB filed an 8-K on February 26, 2026, likely to announce its annual financial results or the filing of its annual report.

8-K

FORM 8-K

2026-02-25

MCB filed an 8-K on February 25, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

FORM 8-K

2026-02-25

MCB filed an 8-K on February 25, 2026, likely to announce its fourth-quarter and full-year financial results.

10-K

2026-02-20

Metropolitan Bank Holding Corp. (MCB) operates as a financial institution with a business focus on Commercial and Industrial (C&I) lending and Banking-as-a-Service (BaaS). While specific financial metrics were not provided in the excerpts, the company's risk profile includes cybersecurity threats, market risk, and the management of credit losses.

8-K

2026-01-20

8-K

2026-01-16

10-Q

2025-11-07

8-K

2025-10-23

8-K

2025-10-21

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

3 analysts

Keefe, Bruyette & Woods

2026-04-23

Maintains

Outperform Outperform

UBS

2026-04-16

init

Neutral

Keefe, Bruyette & Woods

2026-01-22

Maintains

Outperform Outperform

Past News Coverage

Recent headlines mentioning MCB from our newsroom.

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MCB

MCB Metropolitan Bank Holding Corp. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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