Metropolitan Bank (MCB) Financials

$77.72 +0.81 (+1.05%)

As of 02:37 PM Eastern

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

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

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

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

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

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

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%

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

Metropolitan Bank Holding Corp. (NYSE:MCB) has shown a generally strong financial performance over the past four years, with some notable trends in its income, cash flow, and balance sheet statements.

Positive trends:

Consistent net interest income growth: Net interest income increased from $53.8 million in Q2 2023 to $66.95 million in Q1 2025, indicating improved core banking profitability.
Increasing net income: Despite some fluctuations, net income attributable to common shareholders rose significantly from approximately $15.6 million in Q2 2023 to $17.75 million in Q1 2025 and peaked at $25.7 million in Q1 2023.
Loan growth: Net loans and leases increased from about $5.1 billion in Q2 2023 to approximately $6.27 billion in Q1 2025, showing strong loan demand and asset growth.
Deposit growth: Total deposits increased significantly, with non-interest bearing deposits increasing from $1.73 billion in Q2 2023 to about $1.38 billion in Q1 2025, and interest-bearing deposits also growing, reflecting strong customer trust and liquidity.
Improved cash flow from operations: Net cash from continuing operating activities remained positive and increased to $7.77 million in Q1 2025, supporting day-to-day operational strength.
Strong capital base: Total common equity increased from approximately $621 million in Q2 2023 to about $738 million in Q1 2025, supporting growth and absorbing risks.

Neutral trends:

Provision for loan losses fluctuated, peaking at $4.5 million in Q1 2025 compared to $430,000 in Q1 2024, reflecting responsiveness to credit risk but indicating variable credit conditions.
Non-interest income showed variability, including some quarters with negative contributions, which suggests some volatility in fee or other income sources.
Interest expense increased moderately, reflecting rising deposit and debt costs as the bank expands liabilities.
Number of shares outstanding saw a slight decrease, indicating some share repurchase activity but relatively stable dilution impacts over the years.

Negative trends:

Significant increase in other operating expenses in recent quarters (e.g., $13.3 million in Q1 2025 vs. $8.3 million in Q1 2023), potentially pressuring profitability if not controlled.
High net cash used in investing activities: Metropolitan Bank has invested heavily in securities, with net cash outflows in investing activities exceeding $300 million in Q1 2025, which could pressure liquidity if not matched by inflows.
Volatile net cash from financing activities: Large fluctuations from positive $295 million in Q1 2025 to negative $218 million in Q2 2024, reflecting inconsistent capital management or debt repayment strategies.
Negative net income and EPS in Q4 2022, indicating some challenges during that period, although recovered in subsequent quarters.
Accumulated other comprehensive income shows a consistent loss of over $45 million to $52 million, which may reflect unrealized losses on securities or other comprehensive income volatility, affecting shareholders’ equity.

Summary: Metropolitan Bank Holding Corp. has demonstrated solid growth in loans, deposits, and net interest income over the past several quarters, leading to improved net income and an expanding capital base. However, the bank must manage elevated operating expenses and cash outflows from investing activities carefully to maintain liquidity and profitability. The variability in provisions for credit losses and comprehensive income losses requires monitoring, even as overall earnings reflect a recovery from prior losses.

08/25/25 01:37 PMAI 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. Check out Metropolitan Bank's forecast to explore projected trends and price targets.

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 8/25/2025 by MarketBeat.com Staff

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Metropolitan Bank (MCB) Financials

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Metropolitan Bank (MCB) Financials

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