Metropolitan Bank Holding Corp. (MCB) Stock

Metropolitan Bank Holding Corp. (MCB) is a Financials stock trading at $91.86 (as of 2026-08-21), with a market capitalization of $1.14B and a trailing P/E of 13.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Metropolitan Bank Holding Corp. is the bank holding company for Metropolitan Commercial Bank, providing business, commercial, and retail banking products and services, including deposit accounts, certificates of deposit, lending, and cash management. Services are offered to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area via banking centers and online/mobile channels.

Understand Metropolitan Bank Holding Corp.: how it makes money

Metropolitan Bank Holding Corp. runs Metropolitan Commercial Bank, providing business, commercial, and retail banking products and services (deposit accounts and a range of real estate and commercial lending) to customers in the New York metropolitan area.

The profit engine is the bank balance sheet, taking in deposit funding (checking, savings, term deposits, money market accounts, and certificates of deposit) and funding lending (commercial real estate, construction, multifamily, one-to-four-family, and commercial and industrial loans), then sustaining customer activity through ongoing banking services.

Business quality (Mixed): The provided segment revenue candidates and several operational KPI labels appear to reference Global Payments and crypto-related activity, which does not match the company business description as a New York metropolitan commercial and retail bank. Use the KPI labels with caution.

Valuation: At 12× earnings, MCB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan pipeline visibility: The operational metric set includes Signed Term Sheets in Loan Pipeline (0.7 USD_B), which can indicate momentum in turning prospective borrowers into signed deal commitments.
  • Focus on core lending activity: The business description highlights lending across commercial real estate, construction, multifamily, one-to-four-family real estate, and commercial and industrial loans, aligning with monitoring Loan Origination Volumes (0.43 USD_B).

Bear case

  • Funding and deposit stability metrics are key: Operational KPIs provided include measures such as Non-Interest-Bearing Deposits Decline (0.45 USD_B) and Low-Cost Deposit Runoff Offloaded (0.68 USD_B), which can signal deposit mix and stability pressure.
  • Loan timing and repayment can affect earnings: Operational KPIs include Pending Loan Maturities (0.59 USD_B) and Upcoming Loan Maturities (0.5 USD_B), plus Loan Prepayments (0.32 USD_B) and Net Payoffs and Paydowns (0.29 USD_B), all of which can change the pace and structure of earning assets.
  • Data mismatch risk: Some operational KPI labels in the provided dataset reference Global Payments Group and crypto-related items, which may not be directly comparable to this bank holding company’s reported banking activities.
Valuation — source: SEC EDGAR (first-party)
Price$91.86
Market Cap$1.14B
P/E Ratio13.1
EV / EBITDA7.2
Price / Book1.18
Price / Sales113.06
DCF Value (model)$100.25
DCF Upside vs Price9.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$11.05M
Net Margin643.2%
Revenue Growth (YoY)-0.9%
EPS Growth (YoY)-12.9%
Valuation vs Sector & Industry
Stock P/E13.1
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-12.9%
vs Industry1.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderWELLINGTON MANAGEMENT GROUP LLP ($100.21M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOMark R. DeFazio
Employees291
CountryUS
IPO Date2017-11-08

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MCB earnings history · MCB institutional & insider holders · MCB KPIs & operating metrics · MCB financials · MCB investor presentations & press releases · MCB SEC filings · MCB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.