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Metropolitan Bank (MCB) Financials

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$73.47 -0.28 (-0.38%)
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Annual Income Statements for Metropolitan Bank

Annual Income Statements for Metropolitan Bank

This table shows Metropolitan Bank's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 4.27 5.01 12 26 30 41 61 59 80 69
Consolidated Net Income / (Loss)		 4.27 5.01 12 26 30 39 61 59 77 67
Net Income / (Loss) Continuing Operations		 4.27 5.01 12 26 30 41 61 59 80 69
Total Pre-Tax Income 		6.83 8.06 24 37 44 58 90 97 107 97
Total Revenue		 31 43 60 79 103 143 180 257 254 279
Net Interest Income / (Expense)		 27 38 52 71 98 125 157 229 223 253
Total Interest Income		 33 44 61 84 130 143 173 261 375 468
Loans and Leases Interest Income		 31 42 57 77 117 136 165 232 345 430
Investment Securities Interest Income		 1.06 0.92 0.84 0.77 3.71 3.21 5.84 16 19 21
Deposits and Money Market Investments Interest Income		 0.11 0.14 2.39 5.18 7.90 2.58 2.31 12 9.32 15
Other Interest Income		 0.41 0.74 0.45 0.65 1.04 0.81 0.61 0.94 2.52 2.24
Total Interest Expense		 5.26 6.09 8.67 13 32 18 16 32 153 215
Deposits Interest Expense		 3.81 4.88 5.87 9.10 26 14 14 29 129 198
Long-Term Debt Interest Expense		 - - 2.16 2.77 5.74 3.36 1.62 0.61 0.00 0.00
Federal Funds Purchased and Securities Sold Interest Expense		 0.46 0.54 0.64 0.85 0.90 0.57 0.42 0.80 1.47 1.49
Total Non-Interest Income		 3.80 5.02 7.82 7.52 4.99 17 24 27 28 24
Other Service Charges		 3.80 4.98 4.37 3.31 1.37 18 0.00 28 31 26
Other Non-Interest Income		 - - - - - - 23 -0.89 -22 -16
Provision for Credit Losses		 2.02 8.06 7.06 3.14 4.22 9.49 3.82 10 12 6.26
Total Non-Interest Expense		 22 27 29 39 54 75 87 149 132 174
Salaries and Employee Benefits		 13 17 19 26 31 40 46 57 67 78
Net Occupancy & Equipment Expense		 3.62 3.99 4.39 9.05 6.53 12 13 14 14 21
Property & Liability Insurance Claims		 0.55 0.68 - - - 2.04 3.85 4.63 9.08 12
Other Operating Expenses		 4.98 5.30 5.83 4.12 17 21 24 73 41 63
Income Tax Expense		 2.56 3.05 11 11 14 18 29 37 30 30
Basic Earnings per Share		 $1.54 $0.43 $2.40 $3.12 $3.63 $4.76 $6.64 $5.42 $6.95 $5.97
Weighted Average Basic Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M
Diluted Earnings per Share		 $1.54 $0.43 $2.34 $3.06 $3.56 $4.66 $6.45 $5.29 $6.91 $5.93
Weighted Average Diluted Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M
Weighted Average Basic & Diluted Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M

Quarterly Income Statements for Metropolitan Bank

This table shows Metropolitan Bank's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 25 -8.10 26 16 22 16 16 17 13 23 18
Consolidated Net Income / (Loss)		 25 -7.74 25 16 22 15 16 17 12 21 16
Net Income / (Loss) Continuing Operations		 25 -8.10 26 16 22 16 16 17 13 23 18
Total Pre-Tax Income 		36 1.28 34 25 28 20 24 24 18 31 23
Total Revenue		 69 71 66 62 63 62 67 68 72 72 72
Net Interest Income / (Expense)		 63 64 59 54 54 57 60 62 65 67 67
Total Interest Income		 70 81 83 89 98 105 112 116 120 120 119
Loans and Leases Interest Income		 61 73 76 81 91 98 102 105 111 111 111
Investment Securities Interest Income		 4.13 4.41 4.50 4.68 - - - 5.49 5.43 - 5.40
Deposits and Money Market Investments Interest Income		 5.11 3.29 2.48 3.09 1.78 1.97 4.15 5.17 3.22 2.47 1.93
Other Interest Income		 0.25 0.29 0.32 0.69 0.76 0.74 0.66 0.51 0.51 0.57 0.58
Total Interest Expense		 6.73 17 25 35 44 48 53 54 55 53 52
Deposits Interest Expense		 6.51 15 22 27 36 43 47 51 52 49 47
Federal Funds Purchased and Securities Sold Interest Expense		 0.23 0.31 0.33 0.36 0.40 0.38 0.38 0.38 0.38 0.35 0.32
Total Non-Interest Income		 5.82 6.35 6.97 7.86 6.51 6.56 7.00 6.14 6.29 4.40 3.64
Other Service Charges		 0.00 - 7.62 8.53 0.00 15 0.00 6.51 6.87 - 5.03
Other Non-Interest Income		 5.91 - - -7.46 6.58 - 7.03 -3.29 -3.11 - -4.32
Provision for Credit Losses		 2.01 2.31 0.65 4.31 0.79 6.54 0.53 1.54 2.69 1.50 4.51
Total Non-Interest Expense		 31 67 31 32 34 34 42 42 51 38 43
Salaries and Employee Benefits		 15 16 16 15 17 18 20 19 20 20 22
Net Occupancy & Equipment Expense		 3.21 3.43 3.66 3.77 3.57 3.29 5.35 5.37 5.44 4.51 4.68
Property & Liability Insurance Claims		 1.11 1.03 2.81 1.64 1.98 2.64 2.93 2.93 2.95 2.98 2.97
Other Operating Expenses		 12 46 8.30 12 11 9.99 14 15 23 11 13
Income Tax Expense		 11 9.02 8.76 9.30 6.29 5.30 8.08 7.08 5.30 9.93 7.01
Basic Earnings per Share		 $2.28 ($0.72) $2.26 $1.39 $1.99 $1.31 $1.46 $1.50 $1.10 $1.91 $1.46
Weighted Average Basic Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M
Diluted Earnings per Share		 $2.23 ($0.70) $2.25 $1.37 $1.97 $1.32 $1.46 $1.50 $1.08 $1.89 $1.45
Weighted Average Diluted Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M
Weighted Average Basic & Diluted Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M

Annual Cash Flow Statements for Metropolitan Bank

This table details how cash moves in and out of Metropolitan Bank's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 20 17 178 -28 156 475 1,495 -2,102 12 -69
Net Cash From Operating Activities		 5.44 15 31 27 39 87 37 86 42 148
Net Cash From Continuing Operating Activities		 5.44 15 31 27 39 87 37 86 42 148
Net Income / (Loss) Continuing Operations		 4.27 5.01 12 26 30 39 61 59 77 67
Consolidated Net Income / (Loss)		 4.27 5.01 12 26 30 39 61 59 77 67
Provision For Loan Losses		 2.02 8.06 7.06 3.14 4.22 9.49 3.82 10 12 6.26
Depreciation Expense		 0.70 0.79 0.98 1.36 1.61 4.60 5.06 9.71 7.14 -11
Non-Cash Adjustments to Reconcile Net Income		 -2.93 8.01 3.22 -0.59 1.00 0.42 -2.85 5.79 6.49 -7.06
Changes in Operating Assets and Liabilities, net		 0.90 -7.67 7.48 -2.76 1.39 33 -29 0.85 -61 94
Net Cash From Investing Activities		 -187 -234 -367 -455 -1,015 -489 -1,303 -1,229 -775 -370
Net Cash From Continuing Investing Activities		 -187 -234 -367 -455 -1,015 -489 -1,303 -1,229 -775 -370
Purchase of Investment Securities		 -195 -245 -387 -493 -1,022 -719 -1,491 -1,371 -1,036 -511
Sale and/or Maturity of Investments		 9.77 12 22 39 59 230 188 141 261 141
Net Cash From Financing Activities		 202 236 513 399 1,132 877 2,761 -958 745 152
Net Cash From Continuing Financing Activities		 202 236 513 399 1,132 877 2,761 -958 745 152
Net Change in Deposits		 157 228 411 256 1,130 1,028 2,606 -1,158 459 246
Issuance of Debt		 97 120 351 293 1,071 0.00 0.00 100 340 0.00
Repayment of Debt		 -65 -138 -363 -150 -1,069 -150 -4.50 -49 -0.14 -200
Repurchase of Common Equity		 - - -0.26 -0.13 -0.09 -0.88 -3.39 -1.56 -3.17 -4.58
Other Financing Activities, Net		 - - 0.14 0.36 - 0.00 0.00 150 -51 111
Cash Interest Paid		 5.03 6.18 8.15 12 32 19 16 32 151 215
Cash Income Taxes Paid		 3.27 5.27 8.79 14 15 19 24 35 36 35

Quarterly Cash Flow Statements for Metropolitan Bank

This table details how cash moves in and out of Metropolitan Bank's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -633 -451 42 -98 -24 92 265 -290 74 -118 -3.81
Net Cash From Operating Activities		 53 11 39 6.66 27 -31 25 35 4.80 83 7.77
Net Cash From Continuing Operating Activities		 53 11 39 6.66 27 -31 25 35 4.80 83 7.77
Net Income / (Loss) Continuing Operations		 25 -7.74 25 16 22 15 16 17 12 21 16
Consolidated Net Income / (Loss)		 25 -7.74 25 16 22 15 16 17 12 21 16
Provision For Loan Losses		 2.01 2.31 0.65 4.31 0.79 6.54 0.53 1.54 2.69 1.50 4.51
Depreciation Expense		 2.60 4.83 1.23 2.78 0.82 2.31 -3.19 -2.54 -3.29 -2.38 -1.45
Non-Cash Adjustments to Reconcile Net Income		 -12 -0.60 2.71 2.27 2.21 -0.70 10 6.14 -1.28 -22 1.71
Changes in Operating Assets and Liabilities, net		 36 13 9.37 -18 1.60 -53 1.02 13 -5.59 85 -13
Net Cash From Investing Activities		 -234 -240 1.59 -305 -195 -277 -117 -107 -31 -115 -307
Net Cash From Continuing Investing Activities		 -234 -240 1.59 -305 -195 -277 -117 -107 -31 -115 -307
Purchase of Investment Securities		 -262 -283 -71 -384 -269 -313 -144 -162 -55 -150 -367
Sale and/or Maturity of Investments		 27 43 72 78 74 36 27 55 24 35 60
Net Cash From Financing Activities		 -452 -223 1.47 201 143 400 357 -218 100 -87 295
Net Cash From Continuing Financing Activities		 -452 -223 1.47 201 143 400 357 -218 100 -87 295
Net Change in Deposits		 -447 -454 -146 157 233 216 500 -68 100 -287 466
Issuance of Debt		 -5.55 106 100 0.04 155 85 100 -0.04 -100 - 9.96
Repayment of Debt		 0.42 -25 0.00 -0.07 0.07 -0.14 -140 -150 100 -10 -80
Repurchase of Common Equity		 - -0.37 -1.34 - -1.83 - -4.46 -0.02 -0.03 -0.07 -16
Other Financing Activities, Net		 - 150 49 44 -243 99 -99 - - 210 -85
Cash Interest Paid		 6.69 16 25 35 44 48 52 53 53 57 51
Cash Income Taxes Paid		 11 6.67 3.19 19 12 1.65 11 8.05 11 4.79 8.17

Annual Balance Sheets for Metropolitan Bank

This table presents Metropolitan Bank's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,220 1,760 2,183 3,358 4,331 7,116 6,267 7,068 7,301
Cash and Due from Banks		 83 261 233 389 864 2,388 257 269 200
Trading Account Securities		 44 38 35 239 269 949 956 930 911
Loans and Leases, Net of Allowance		 1,043 1,405 1,846 2,647 3,102 3,697 4,796 5,567 5,971
Loans and Leases		 1,055 1,420 1,865 2,673 3,137 3,732 4,841 5,625 6,034
Allowance for Loan and Lease Losses		 12 15 19 26 35 35 45 58 63
Other Assets		 33 36 52 61 73 57 258 301 219
Total Liabilities & Shareholders' Equity		 1,220 1,760 2,183 3,358 4,331 7,116 6,267 7,068 7,301
Total Liabilities		 1,111 1,523 1,918 3,058 3,990 6,473 5,691 6,409 6,571
Non-Interest Bearing Deposits		 403 813 799 1,090 1,726 3,669 2,422 1,838 1,334
Interest Bearing Deposits		 590 592 862 1,700 2,103 2,767 2,856 3,899 4,649
Federal Funds Purchased and Securities Sold		 - - - - - 0.00 150 99 210
Long-Term Debt		 99 87 230 232 82 0.00 128 468 268
Other Long-Term Liabilities		 18 31 26 34 77 37 135 104 110
Total Equity & Noncontrolling Interests		 109 237 265 299 341 557 576 659 730
Total Preferred & Common Equity		 109 237 265 299 341 557 576 659 730
Total Common Equity		 109 237 265 299 341 557 576 659 730
Common Stock		 96 211 214 217 219 383 389 396 400
Retained Earnings		 13 26 51 81 121 181 241 316 383
Treasury Stock		 - - - - - - - - 0.00
Accumulated Other Comprehensive Income / (Loss)		 -0.17 -0.21 -0.47 1.21 0.97 -7.50 -54 -53 -53

Quarterly Balance Sheets for Metropolitan Bank

This table presents Metropolitan Bank's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 6,422 6,310 6,522 6,683 7,453 7,266 7,403 7,616
Cash and Due from Banks		 709 332 202 177 534 245 318 196
Trading Account Securities		 945 444 942 909 958 954 949 923
Loans and Leases, Net of Allowance		 4,575 4,804 5,098 5,302 5,661 5,779 5,835 6,274
Loans and Leases		 4,617 4,852 5,150 5,354 5,719 5,839 5,897 6,342
Allowance for Loan and Lease Losses		 43 48 52 52 59 60 62 68
Other Assets		 153 259 281 295 300 288 301 223
Total Liabilities & Shareholders' Equity		 6,422 6,310 6,522 6,683 7,453 7,266 7,403 7,616
Total Liabilities		 5,840 5,663 5,901 6,048 6,780 6,573 6,688 6,878
Non-Interest Bearing Deposits		 3,058 2,123 1,730 1,747 1,928 1,883 1,780 1,385
Interest Bearing Deposits		 2,674 3,009 3,558 3,775 4,310 4,286 4,490 5,065
Federal Funds Purchased and Securities Sold		 - 195 243 0.00 0.00 0.00 0.00 125
Long-Term Debt		 48 200 228 383 428 278 278 198
Other Long-Term Liabilities		 60 136 141 144 114 125 140 106
Total Equity & Noncontrolling Interests		 582 608 621 635 674 692 715 738
Total Preferred & Common Equity		 582 608 621 635 674 692 715 738
Total Common Equity		 582 608 621 635 674 692 715 738
Common Stock		 388 394 393 394 393 396 398 399
Retained Earnings		 249 264 279 301 332 349 361 399
Treasury Stock		 - - - - - - - -13
Accumulated Other Comprehensive Income / (Loss)		 -54 -50 -51 -60 -52 -52 -44 -47

Annual Metrics And Ratios for Metropolitan Bank

This table displays calculated financial ratios and metrics derived from Metropolitan Bank's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 38.01% 39.28% 31.21% 30.29% 39.77% 25.63% 42.45% -1.20% 10.13%
EBITDA Growth		 0.00% 14.75% 170.96% 54.44% 20.21% 38.31% 47.01% 14.24% 8.73% -24.72%
EBIT Growth		 0.00% 18.01% 192.60% 55.97% 19.81% 34.80% 49.88% 9.82% 12.23% -9.41%
NOPAT Growth		 0.00% 17.43% 146.74% 106.60% 17.92% 30.97% 53.44% -1.87% 30.03% -13.70%
Net Income Growth		 0.00% 17.43% 146.74% 106.60% 17.92% 30.97% 53.44% -1.87% 30.03% -13.70%
EPS Growth		 0.00% -72.08% 444.19% 30.77% 16.34% 30.90% 38.41% -17.98% 30.62% -14.18%
Operating Cash Flow Growth		 0.00% 167.46% 116.19% -14.02% 43.96% 124.02% -57.29% 130.41% -50.60% 249.92%
Free Cash Flow Firm Growth		 0.00% 0.00% 49.25% -40.32% 95.51% 2,372.80% -208.32% 99.26% -29,000.67% 156.70%
Invested Capital Growth		 0.00% 0.00% 55.47% 52.59% 7.41% -20.38% 52.15% 9.42% 60.06% -11.47%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -2.73% -13.64% 31.62% 10.89% 6.08% -3.63% 3.85%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -3.11% -31.00% 98.17% 12.08% -17.44% 22.69% 14.15%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -3.66% -32.62% 111.45% 11.01% -20.88% 20.61% 12.90%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 13.10% 5.53% 11.00% 13.31% -30.94% 40.59% 11.45%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 13.10% 5.53% 11.00% 13.31% -30.94% 40.59% 11.45%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 13.33% 5.33% 10.69% 5.05% -31.21% 41.31% 10.63%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 13.61% -43.90% 6.11% 94.29% -29.10% -4.44% -49.89% 332.75%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 92.71% 34.70% 2.42% -101.49% -3.69% 131.44%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 36.49% 10.64% 4.18% 3.22% 11.83% 10.71% 0.46%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 25.68% 21.35% 41.53% 48.88% 45.10% 44.63% 52.23% 41.88% 46.09% 31.51%
EBIT Margin		 21.87% 18.70% 39.29% 46.70% 42.95% 41.42% 49.42% 38.10% 43.28% 35.60%
Profit (Net Income) Margin		 13.67% 11.63% 20.61% 32.45% 29.37% 27.52% 33.61% 23.16% 30.48% 23.88%
Tax Burden Percent		 62.52% 62.21% 52.46% 69.49% 68.39% 68.14% 67.61% 61.33% 72.27% 68.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 97.51% 100.61% 99.11% 97.44% 97.67%
Effective Tax Rate		 37.48% 37.79% 47.54% 30.51% 31.61% 31.86% 32.39% 38.67% 27.73% 31.31%
Return on Invested Capital (ROIC)		 0.00% 4.81% 4.64% 6.24% 5.87% 8.27% 11.35% 8.82% 8.44% 6.28%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.81% 4.64% 6.24% 5.87% 8.27% 11.35% 8.82% 8.44% 6.28%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 4.35% 2.50% 3.95% 4.82% 4.06% 2.14% 1.67% 4.08% 3.33%
Return on Equity (ROE)		 0.00% 9.16% 7.14% 10.19% 10.69% 12.33% 13.49% 10.49% 12.51% 9.60%
Cash Return on Invested Capital (CROIC)		 0.00% -195.19% -38.78% -35.40% -1.27% 30.96% -30.01% -0.18% -37.75% 18.45%
Operating Return on Assets (OROA)		 0.00% 0.66% 1.58% 1.87% 1.59% 1.55% 1.56% 1.46% 1.65% 1.38%
Return on Assets (ROA)		 0.00% 0.41% 0.83% 1.30% 1.09% 1.03% 1.06% 0.89% 1.16% 0.93%
Return on Common Equity (ROCE)		 0.00% 9.16% 7.14% 10.19% 10.69% 12.33% 13.49% 10.49% 12.51% 9.60%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 4.58% 5.22% 9.66% 10.07% 11.58% 10.87% 10.32% 11.72% 9.14%
Net Operating Profit after Tax (NOPAT)		 4.27 5.01 12 26 30 39 61 59 77 67
NOPAT Margin		 13.67% 11.63% 20.61% 32.45% 29.37% 27.52% 33.61% 23.16% 30.48% 23.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.94% 48.73% 39.24% 44.08% 36.82% 35.93% 32.84% 27.61% 32.04% 35.29%
Operating Expenses to Revenue		 71.68% 62.59% 48.95% 49.31% 52.94% 51.96% 48.47% 57.96% 51.88% 62.16%
Earnings before Interest and Taxes (EBIT)		 6.83 8.06 24 37 44 59 89 98 110 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.02 9.20 25 38 46 64 94 107 117 88
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.46 0.96 1.34 0.88 2.04 1.11 0.93 0.90
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.52 0.99 1.39 0.91 2.04 1.11 0.93 0.90
Price to Revenue (P/Rev)		 0.00 0.00 5.75 3.22 3.91 2.10 6.29 2.50 2.42 2.34
Price to Earnings (P/E)		 0.00 0.00 27.91 9.91 13.32 7.34 18.73 10.79 7.65 9.48
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 3.58% 10.09% 7.51% 13.61% 5.34% 9.27% 13.07% 10.55%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.53 0.51 0.46 0.00 0.00 0.73 0.72 0.72
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 2.85 3.18 2.38 0.00 0.00 2.00 3.20 2.58
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 6.87 6.51 5.28 0.00 0.00 4.77 6.94 8.20
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 7.26 6.81 5.54 0.00 0.00 5.24 7.40 7.26
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 13.85 9.80 8.11 0.00 0.00 8.62 10.50 10.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 5.44 9.25 6.27 0.00 0.00 5.96 19.12 4.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.68
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.90 0.37 0.87 0.78 0.24 0.00 0.22 0.71 0.37
Long-Term Debt to Equity		 0.00 0.90 0.37 0.87 0.78 0.24 0.00 0.22 0.71 0.37
Financial Leverage		 0.00 0.90 0.54 0.63 0.82 0.49 0.19 0.19 0.48 0.53
Leverage Ratio		 0.00 11.15 8.60 7.86 9.83 12.01 12.75 11.81 10.80 10.35
Compound Leverage Factor		 0.00 11.15 8.60 7.86 9.83 11.72 12.83 11.71 10.52 10.10
Debt to Total Capital		 0.00% 47.49% 26.93% 46.53% 43.70% 19.44% 0.00% 18.22% 41.54% 26.86%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 47.49% 26.93% 46.53% 43.70% 19.44% 0.00% 18.22% 41.54% 26.86%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 52.50% 73.07% 53.47% 56.30% 80.56% 100.00% 81.78% 58.46% 73.14%
Debt to EBITDA		 0.00 10.77 3.50 5.98 5.02 1.29 0.00 1.19 4.01 3.05
Net Debt to EBITDA		 0.00 1.75 -6.98 -0.07 -3.39 -12.22 0.00 -1.20 1.70 0.77
Long-Term Debt to EBITDA		 0.00 10.77 3.50 5.98 5.02 1.29 0.00 1.19 4.01 3.05
Debt to NOPAT		 0.00 19.76 7.06 9.01 7.71 2.08 0.00 2.16 6.06 4.02
Net Debt to NOPAT		 0.00 3.21 -14.06 -0.11 -5.21 -19.82 0.00 -2.17 2.57 1.02
Long-Term Debt to NOPAT		 0.00 19.76 7.06 9.01 7.71 2.08 0.00 2.16 6.06 4.02
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -204 -103 -145 -6.50 148 -160 -1.19 -346 196
Operating Cash Flow to CapEx		 314.26% 1,233.73% 1,423.47% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 -33.42 -11.91 -11.40 -0.20 8.13 -9.83 -0.04 -2.27 0.91
Operating Cash Flow to Interest Expense		 1.03 2.39 3.63 2.13 1.21 4.80 2.29 2.72 0.28 0.69
Operating Cash Flow Less CapEx to Interest Expense		 0.71 2.20 3.37 2.13 1.21 4.80 2.29 2.72 0.28 0.69
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 8.56 10.62 11.98 10.81 11.21 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 209 324 495 531 423 644 704 1,127 998
Invested Capital Turnover		 0.00 0.41 0.23 0.19 0.20 0.30 0.34 0.38 0.28 0.26
Increase / (Decrease) in Invested Capital		 0.00 209 116 170 37 -108 221 61 423 -129
Enterprise Value (EV)		 0.00 0.00 171 250 244 -481 -1,254 512 811 722
Market Capitalization		 0.00 0.00 345 253 401 301 1,134 641 613 654
Book Value per Share		 $0.00 $0.00 $28.89 $32.23 $35.95 $41.10 $52.33 $52.68 $59.57 $65.18
Tangible Book Value per Share		 $0.00 $0.00 $27.70 $31.04 $34.78 $39.93 $52.33 $52.68 $59.57 $65.18
Total Capital		 0.00 209 324 495 531 423 557 704 1,127 998
Total Debt		 0.00 99 87 230 232 82 0.00 128 468 268
Total Long-Term Debt		 0.00 99 87 230 232 82 0.00 128 468 268
Net Debt		 0.00 16 -174 -2.79 -157 -782 -2,388 -129 199 68
Capital Expenditures (CapEx)		 1.73 1.18 2.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 99 87 230 232 82 87 128 468 268
Total Depreciation and Amortization (D&A)		 1.19 1.14 1.35 1.72 2.21 4.60 5.06 9.71 7.14 -11
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.54 $0.43 $2.40 $3.12 $3.63 $4.76 $6.64 $5.42 $6.95 $5.97
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M
Adjusted Diluted Earnings per Share		 $1.54 $0.43 $2.34 $3.06 $3.56 $4.66 $6.45 $5.29 $6.91 $5.93
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M
Normalized Net Operating Profit after Tax (NOPAT)		 4.27 5.01 12 26 30 39 61 59 77 67
Normalized NOPAT Margin		 13.67% 11.63% 20.61% 32.45% 29.37% 27.52% 33.61% 23.16% 30.48% 23.88%
Pre Tax Income Margin		 21.87% 18.70% 39.29% 46.70% 42.95% 40.39% 49.72% 37.76% 42.17% 34.77%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.30 1.32 2.72 2.89 1.37 3.27 5.47 3.10 0.72 0.46
NOPAT to Interest Expense		 0.81 0.82 1.43 2.01 0.94 2.17 3.72 1.88 0.51 0.31
EBIT Less CapEx to Interest Expense		 0.97 1.13 2.46 2.89 1.37 3.27 5.47 3.10 0.72 0.46
NOPAT Less CapEx to Interest Expense		 0.48 0.63 1.17 2.01 0.94 2.17 3.72 1.88 0.51 0.31
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 68.22% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 68.22% 2.06% 0.52% 0.30% 2.23% 5.59% 2.62% 4.10% 6.87%

Quarterly Metrics And Ratios for Metropolitan Bank

This table displays calculated financial ratios and metrics derived from Metropolitan Bank's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 48.30% 26.30% 22.37% -0.60% -8.87% -12.25% 0.85% 9.25% 14.28% 16.69% 7.90%
EBITDA Growth		 53.59% -77.66% 31.29% -19.37% -24.48% 262.29% -40.94% -23.34% -49.07% 28.16% 10.48%
EBIT Growth		 48.85% -93.80% 32.41% -24.87% -21.31% 1,151.47% -29.57% -5.03% -35.99% 53.19% 1.93%
NOPAT Growth		 53.90% -140.98% 31.83% -32.89% -11.59% 288.22% -35.38% 7.96% -44.40% 47.02% 0.93%
Net Income Growth		 53.90% -140.98% 31.83% -32.89% -11.59% 288.22% -35.38% 7.96% -44.40% 47.02% 0.93%
EPS Growth		 25.99% -141.18% 33.14% -33.82% -11.66% 288.57% -35.11% 9.49% -45.18% 43.18% -0.68%
Operating Cash Flow Growth		 126.90% -25.78% 26.38% 167.39% -48.54% -367.53% -35.95% 429.13% -82.53% 371.27% -68.94%
Free Cash Flow Firm Growth		 109.30% 66.11% -27.62% -30.67% -2,057.15% -497.51% -13.84% 49.67% 110.14% 136.91% 176.49%
Invested Capital Growth		 1.00% 9.42% 38.23% 35.50% 61.67% 60.06% 30.03% 14.24% -2.44% -11.47% -15.05%
Revenue Q/Q Growth		 10.50% 2.08% -7.57% -5.85% 1.30% -1.71% 7.57% 2.00% 5.96% 0.37% -0.53%
EBITDA Q/Q Growth		 10.01% -83.09% 1,642.10% -20.72% 3.04% -18.90% -4.90% 2.91% -31.54% 104.08% -23.15%
EBIT Q/Q Growth		 6.03% -95.27% 1,226.63% -25.94% 11.06% -24.71% 13.75% -0.14% -25.14% 80.16% -24.31%
NOPAT Q/Q Growth		 7.62% -131.02% 423.98% -37.94% 41.78% -33.97% 11.22% 3.68% -26.98% 74.61% -23.64%
Net Income Q/Q Growth		 7.62% -131.02% 423.98% -37.94% 41.78% -33.97% 11.22% 3.68% -26.98% 74.61% -23.64%
EPS Q/Q Growth		 7.73% -131.39% 421.43% -39.11% 43.80% -32.99% 10.61% 2.74% -28.00% 75.00% -23.28%
Operating Cash Flow Q/Q Growth		 640.13% -78.48% 239.58% -82.93% 312.46% -211.88% 181.30% 41.05% -86.38% 1,637.26% -90.69%
Free Cash Flow Firm Q/Q Growth		 111.81% -465.19% -206.13% 1.07% -76.95% -11.49% 41.67% 56.26% 135.64% 306.04% 20.85%
Invested Capital Q/Q Growth		 0.45% 11.83% 20.31% 0.27% 19.85% 10.71% -2.26% -11.91% 2.34% 0.46% -6.22%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 55.80% 9.24% 53.99% 45.46% 46.24% 38.15% 31.62% 31.90% 20.61% 41.90% 32.37%
EBIT Margin		 52.05% 2.41% 52.12% 41.00% 44.95% 34.43% 36.40% 35.64% 25.18% 45.19% 34.39%
Profit (Net Income) Margin		 36.04% -10.95% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72%
Tax Burden Percent		 69.42% -604.22% 74.11% 62.60% 77.81% 73.33% 66.72% 70.34% 69.81% 68.33% 70.00%
Interest Burden Percent		 99.75% 75.09% 98.14% 97.35% 99.99% 93.05% 100.00% 98.49% 96.79% 95.84% 94.38%
Effective Tax Rate		 30.58% 704.22% 25.89% 37.40% 22.19% 26.67% 33.28% 29.66% 30.19% 31.67% 30.00%
Return on Invested Capital (ROIC)		 13.91% -4.17% 14.00% 9.11% 11.17% 6.50% 6.33% 7.05% 4.55% 7.78% 6.34%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.91% -4.17% 14.00% 9.11% 11.17% 6.50% 6.33% 7.05% 4.55% 7.78% 6.34%
Return on Net Nonoperating Assets (RNNOA)		 1.59% -0.79% 3.50% 2.14% 3.95% 3.14% 3.30% 2.72% 2.23% 4.12% 2.81%
Return on Equity (ROE)		 15.50% -4.96% 17.50% 11.25% 15.12% 9.65% 9.63% 9.77% 6.78% 11.90% 9.16%
Cash Return on Invested Capital (CROIC)		 12.74% -0.18% -23.13% -22.31% -40.47% -37.75% -19.09% -5.64% 8.42% 18.45% 22.84%
Operating Return on Assets (OROA)		 2.00% 0.09% 2.17% 1.65% 1.80% 1.31% 1.34% 1.34% 0.96% 1.76% 1.30%
Return on Assets (ROA)		 1.39% -0.42% 1.58% 1.00% 1.40% 0.89% 0.90% 0.93% 0.65% 1.15% 0.86%
Return on Common Equity (ROCE)		 15.50% -4.96% 17.50% 11.25% 15.12% 9.65% 9.63% 9.77% 6.78% 11.90% 9.16%
Return on Equity Simple (ROE_SIMPLE)		 14.78% 0.00% 10.77% 9.31% 8.66% 0.00% 10.15% 10.06% 8.37% 0.00% 9.06%
Net Operating Profit after Tax (NOPAT)		 25 -7.74 25 16 22 15 16 17 12 21 16
NOPAT Margin		 36.04% -10.95% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 25.68% 27.34% 30.10% 30.60% 32.93% 34.67% 37.75% 35.12% 35.12% 33.34% 36.71%
Operating Expenses to Revenue		 45.05% 94.32% 46.90% 52.09% 53.80% 55.03% 62.81% 62.10% 71.09% 52.73% 59.35%
Earnings before Interest and Taxes (EBIT)		 36 1.71 34 26 28 21 24 24 18 33 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 6.53 36 28 29 24 21 22 15 30 23
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.11 0.61 0.63 0.63 0.93 0.63 0.68 0.82 0.90 0.85
Price to Tangible Book Value (P/TBV)		 1.23 1.11 0.61 0.63 0.63 0.93 0.63 0.68 0.82 0.90 0.85
Price to Revenue (P/Rev)		 2.91 2.50 1.38 1.45 1.53 2.42 1.68 1.81 2.19 2.34 2.21
Price to Earnings (P/E)		 8.14 10.79 5.47 6.43 6.96 7.65 6.05 6.59 9.45 9.48 8.91
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 12.28% 9.27% 18.27% 15.56% 14.37% 13.07% 16.52% 15.17% 10.58% 10.55% 11.22%
Enterprise Value to Invested Capital (EV/IC)		 0.07 0.73 0.28 0.49 0.60 0.72 0.29 0.52 0.55 0.72 0.67
Enterprise Value to Revenue (EV/Rev)		 0.17 2.00 0.89 1.54 2.31 3.20 1.26 1.94 2.04 2.58 2.21
Enterprise Value to EBITDA (EV/EBITDA)		 0.33 4.77 2.15 3.97 6.37 6.94 3.27 5.52 7.11 8.20 6.99
Enterprise Value to EBIT (EV/EBIT)		 0.34 5.24 2.24 4.22 6.68 7.40 3.22 5.14 6.23 7.26 6.31
Enterprise Value to NOPAT (EV/NOPAT)		 0.49 8.62 3.66 7.19 11.05 10.50 4.69 7.25 9.16 10.82 9.43
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.47 5.96 2.55 3.76 7.17 19.12 11.30 8.85 15.98 4.86 4.80
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.47 3.68 2.71
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.08 0.22 0.33 0.37 0.60 0.71 0.64 0.40 0.39 0.37 0.27
Long-Term Debt to Equity		 0.08 0.22 0.33 0.37 0.60 0.71 0.64 0.40 0.39 0.37 0.27
Financial Leverage		 0.11 0.19 0.25 0.24 0.35 0.48 0.52 0.39 0.49 0.53 0.44
Leverage Ratio		 11.17 11.81 11.08 11.20 10.77 10.80 10.74 10.50 10.43 10.35 10.68
Compound Leverage Factor		 11.14 8.87 10.87 10.90 10.77 10.05 10.74 10.34 10.10 9.91 10.08
Debt to Total Capital		 7.55% 18.22% 24.76% 26.87% 37.64% 41.54% 38.86% 28.66% 28.00% 26.86% 21.16%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 7.55% 18.22% 24.76% 26.87% 37.64% 41.54% 38.86% 28.66% 28.00% 26.86% 21.16%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 92.45% 81.78% 75.24% 73.13% 62.36% 58.46% 61.14% 71.34% 72.00% 73.14% 78.84%
Debt to EBITDA		 0.37 1.19 1.79 2.18 4.02 4.01 4.37 3.04 3.61 3.05 2.20
Net Debt to EBITDA		 -5.08 -1.20 -1.18 0.25 2.16 1.70 -1.08 0.37 -0.52 0.77 0.02
Long-Term Debt to EBITDA		 0.37 1.19 1.79 2.18 4.02 4.01 4.37 3.04 3.61 3.05 2.20
Debt to NOPAT		 0.55 2.16 3.05 3.95 6.97 6.06 6.26 3.99 4.65 4.02 2.96
Net Debt to NOPAT		 -7.68 -2.17 -2.02 0.46 3.75 2.57 -1.55 0.48 -0.67 1.02 0.02
Long-Term Debt to NOPAT		 0.55 2.16 3.05 3.95 6.97 6.06 6.26 3.99 4.65 4.02 2.96
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 19 -68 -209 -207 -366 -408 -238 -104 37 151 182
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 2.78 -4.10 -8.46 -5.88 -8.26 -8.46 -4.53 -1.92 0.67 2.83 3.52
Operating Cash Flow to Interest Expense		 7.93 0.69 1.58 0.19 0.62 -0.64 0.48 0.65 0.09 1.57 0.15
Operating Cash Flow Less CapEx to Interest Expense		 7.93 0.69 1.58 0.19 0.62 -0.64 0.48 0.65 0.09 1.57 0.15
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 10.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 630 704 847 850 1,018 1,127 1,102 971 993 998 936
Invested Capital Turnover		 0.39 0.38 0.37 0.36 0.32 0.28 0.26 0.29 0.27 0.26 0.28
Increase / (Decrease) in Invested Capital		 6.24 61 234 223 388 423 254 121 -25 -129 -166
Enterprise Value (EV)		 42 512 239 416 607 811 321 505 548 722 630
Market Capitalization		 704 641 371 389 401 613 427 471 589 654 628
Book Value per Share		 $53.26 $52.68 $55.46 $55.42 $57.39 $59.57 $60.73 $61.86 $63.90 $65.18 $65.73
Tangible Book Value per Share		 $52.37 $52.68 $55.46 $55.42 $57.39 $59.57 $60.73 $61.86 $63.90 $65.18 $65.73
Total Capital		 630 704 808 850 1,018 1,127 1,102 971 993 998 936
Total Debt		 48 128 200 228 383 468 428 278 278 268 198
Total Long-Term Debt		 48 128 200 228 383 468 428 278 278 268 198
Net Debt		 -661 -129 -132 26 206 199 -106 33 -40 68 1.56
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 48 128 239 228 383 468 428 278 278 268 198
Total Depreciation and Amortization (D&A)		 2.60 4.83 1.23 2.78 0.82 2.31 -3.19 -2.54 -3.29 -2.38 -1.45
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.28 ($0.72) $2.26 $1.39 $1.99 $1.31 $1.46 $1.50 $1.10 $1.91 $1.46
Adjusted Weighted Average Basic Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M
Adjusted Diluted Earnings per Share		 $2.23 ($0.70) $2.25 $1.37 $1.97 $1.32 $1.46 $1.50 $1.08 $1.89 $1.45
Adjusted Weighted Average Diluted Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M
Normalized Net Operating Profit after Tax (NOPAT)		 25 0.90 25 16 22 15 16 17 12 21 16
Normalized NOPAT Margin		 36.04% 1.27% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72%
Pre Tax Income Margin		 51.92% 1.81% 51.15% 39.91% 44.94% 32.03% 36.40% 35.10% 24.37% 43.31% 32.46%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.35 0.10 1.39 0.72 0.64 0.44 0.46 0.45 0.33 0.61 0.48
NOPAT to Interest Expense		 3.71 -0.46 1.01 0.44 0.50 0.30 0.31 0.31 0.22 0.40 0.32
EBIT Less CapEx to Interest Expense		 5.35 0.10 1.39 0.72 0.64 0.44 0.46 0.45 0.33 0.61 0.48
NOPAT Less CapEx to Interest Expense		 3.71 -0.46 1.01 0.44 0.50 0.30 0.31 0.31 0.22 0.40 0.32
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 2.71% 2.62% 2.60% 2.95% 6.44% 4.10% 9.20% 9.06% 7.54% 6.87% 24.32%

Key Financial Trends

The first quarter of 2025 showed continued top-line momentum and a significant rebound in free cash flow, offset by elevated credit provisions and weakness in non-interest income. Below are the key takeaways from the latest quarterly figures compared with the year-ago period and recent trends.

  • Total revenue rose to $71.98 million in Q1 2025 from $66.71 million a year ago, a 7.9% year-over-year increase.
  • Net interest income climbed to $66.95 million, up about 12% from $59.71 million in Q1 2024, reflecting higher loan yields.
  • EBITDA expanded 10.5% year-over-year to $23.30 million, driven by stronger core banking income.
  • Free cash flow to the firm turned positive at $182.20 million versus a negative $238.21 million in Q1 2024, as working capital and investment flows improved.
  • Book value per share increased to $65.73 from $60.73 a year earlier, an 8.3% gain, underpinning capital strength.
  • Diluted EPS was $1.45 versus $1.46 in Q1 2024, essentially flat, as higher revenue offset modest expense growth.
  • The effective tax rate remained steady at about 30%, in line with prior quarters.
  • Dividend yield stayed at 0%, as the bank has not resumed distributions.
  • Provision for credit losses jumped to $4.51 million from $0.53 million a year ago, reflecting heightened reserve build-up.
  • Non-interest income swung negative at –$4.32 million versus +$7.03 million in Q1 2024, weighed down by trading and service-fee pressures.
07/14/25 08:33 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Metropolitan Bank's Financials

When does Metropolitan Bank's financial year end?

According to the most recent income statement we have on file, Metropolitan Bank's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Metropolitan Bank's net income changed over the last 9 years?

Metropolitan Bank's net income appears to be on an upward trend, with a most recent value of $66.69 million in 2024, rising from $4.27 million in 2015. The previous period was $77.27 million in 2023. Find out what analysts predict for Metropolitan Bank in the coming months.

How has Metropolitan Bank's revenue changed over the last 9 years?

Over the last 9 years, Metropolitan Bank's total revenue changed from $31.22 million in 2015 to $279.23 million in 2024, a change of 794.4%.

How much debt does Metropolitan Bank have?

Metropolitan Bank's total liabilities were at $6.57 billion at the end of 2024, a 2.5% increase from 2023, and a 491.5% increase since 2016.

How much cash does Metropolitan Bank have?

In the past 8 years, Metropolitan Bank's cash and equivalents has ranged from $82.93 million in 2016 to $2.39 billion in 2021, and is currently $200.27 million as of their latest financial filing in 2024.

How has Metropolitan Bank's book value per share changed over the last 9 years?

Over the last 9 years, Metropolitan Bank's book value per share changed from 0.00 in 2015 to 65.18 in 2024, a change of 6,517.7%.


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This page (NYSE:MCB) was last updated on 7/14/2025 by MarketBeat.com Staff
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