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Metropolitan Bank (MCB) Financials

Metropolitan Bank logo
$65.48 +1.75 (+2.74%)
Closing price 05/27/2025 03:59 PM Eastern
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$65.48 0.00 (-0.01%)
As of 05/27/2025 04:21 PM Eastern
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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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 69 80 59
Consolidated Net Income / (Loss)		 67 77 59
Net Income / (Loss) Continuing Operations		 69 80 59
Total Pre-Tax Income 		97 107 97
Total Revenue		 279 254 257
Net Interest Income / (Expense)		 253 223 229
Total Interest Income		 468 375 261
Loans and Leases Interest Income		 430 345 232
Investment Securities Interest Income		 21 19 16
Deposits and Money Market Investments Interest Income		 15 9.32 12
Other Interest Income		 2.24 2.52 0.94
Total Interest Expense		 215 153 32
Deposits Interest Expense		 198 129 29
Long-Term Debt Interest Expense		 0.00 0.00 0.61
Federal Funds Purchased and Securities Sold Interest Expense		 1.49 1.47 0.80
Total Non-Interest Income		 24 28 27
Other Service Charges		 26 31 28
Other Non-Interest Income		 -16 -22 -0.89
Provision for Credit Losses		 6.26 12 10
Total Non-Interest Expense		 174 132 149
Salaries and Employee Benefits		 78 67 57
Net Occupancy & Equipment Expense		 21 14 14
Property & Liability Insurance Claims		 12 9.08 4.63
Other Operating Expenses		 63 41 73
Income Tax Expense		 30 30 37
Basic Earnings per Share		 $5.97 $6.95 $5.42
Weighted Average Basic Shares Outstanding		 11.23M 11.09M 10.96M
Diluted Earnings per Share		 $5.93 $6.91 $5.29
Weighted Average Diluted Shares Outstanding		 11.23M 11.09M 10.96M
Weighted Average Basic & Diluted Shares Outstanding		 11.23M 11.09M 10.96M

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

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -69 12 -2,102
Net Cash From Operating Activities		 148 42 86
Net Cash From Continuing Operating Activities		 148 42 86
Net Income / (Loss) Continuing Operations		 67 77 59
Consolidated Net Income / (Loss)		 67 77 59
Provision For Loan Losses		 6.26 12 10
Depreciation Expense		 -11 7.14 9.71
Non-Cash Adjustments to Reconcile Net Income		 -7.06 6.49 5.79
Changes in Operating Assets and Liabilities, net		 94 -61 0.85
Net Cash From Investing Activities		 -370 -775 -1,229
Net Cash From Continuing Investing Activities		 -370 -775 -1,229
Purchase of Investment Securities		 -511 -1,036 -1,371
Sale and/or Maturity of Investments		 141 261 141
Net Cash From Financing Activities		 152 745 -958
Net Cash From Continuing Financing Activities		 152 745 -958
Net Change in Deposits		 246 459 -1,158
Issuance of Debt		 0.00 340 100
Repayment of Debt		 -200 -0.14 -49
Repurchase of Common Equity		 -4.58 -3.17 -1.56
Other Financing Activities, Net		 111 -51 150
Cash Interest Paid		 215 151 32
Cash Income Taxes Paid		 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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -118 74 -290 265 92 -24 -98 42 -451 -633
Net Cash From Operating Activities		 83 4.80 35 25 -31 27 6.66 39 11 53
Net Cash From Continuing Operating Activities		 83 4.80 35 25 -31 27 6.66 39 11 53
Net Income / (Loss) Continuing Operations		 21 12 17 16 15 22 16 25 -7.74 25
Consolidated Net Income / (Loss)		 21 12 17 16 15 22 16 25 -7.74 25
Provision For Loan Losses		 1.50 2.69 1.54 0.53 6.54 0.79 4.31 0.65 2.31 2.01
Depreciation Expense		 -2.38 -3.29 -2.54 -3.19 2.31 0.82 2.78 1.23 4.83 2.60
Non-Cash Adjustments to Reconcile Net Income		 -22 -1.28 6.14 10 -0.70 2.21 2.27 2.71 -0.60 -12
Changes in Operating Assets and Liabilities, net		 85 -5.59 13 1.02 -53 1.60 -18 9.37 13 36
Net Cash From Investing Activities		 -115 -31 -107 -117 -277 -195 -305 1.59 -240 -234
Net Cash From Continuing Investing Activities		 -115 -31 -107 -117 -277 -195 -305 1.59 -240 -234
Purchase of Investment Securities		 -150 -55 -162 -144 -313 -269 -384 -71 -283 -262
Sale and/or Maturity of Investments		 35 24 55 27 36 74 78 72 43 27
Net Cash From Financing Activities		 -87 100 -218 357 400 143 201 1.47 -223 -452
Net Cash From Continuing Financing Activities		 -87 100 -218 357 400 143 201 1.47 -223 -452
Net Change in Deposits		 -287 100 -68 500 216 233 157 -146 -454 -447
Repayment of Debt		 -10 100 -150 -140 -0.14 0.07 -0.07 0.00 -25 0.42
Repurchase of Common Equity		 -0.07 -0.03 -0.02 -4.46 - -1.83 - -1.34 -0.37 -
Other Financing Activities, Net		 210 - - -99 99 -243 44 49 150 -
Cash Interest Paid		 57 53 53 52 48 44 35 25 16 6.69
Cash Income Taxes Paid		 4.79 11 8.05 11 1.65 12 19 3.19 6.67 11

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 7,301 7,068 6,267
Cash and Due from Banks		 200 269 257
Trading Account Securities		 911 930 956
Loans and Leases, Net of Allowance		 5,971 5,567 4,796
Loans and Leases		 6,034 5,625 4,841
Allowance for Loan and Lease Losses		 63 58 45
Other Assets		 219 301 258
Total Liabilities & Shareholders' Equity		 7,301 7,068 6,267
Total Liabilities		 6,571 6,409 5,691
Non-Interest Bearing Deposits		 1,334 1,838 2,422
Interest Bearing Deposits		 4,649 3,899 2,856
Federal Funds Purchased and Securities Sold		 210 99 150
Long-Term Debt		 268 468 128
Other Long-Term Liabilities		 110 104 135
Total Equity & Noncontrolling Interests		 730 659 576
Total Preferred & Common Equity		 730 659 576
Total Common Equity		 730 659 576
Common Stock		 400 396 389
Retained Earnings		 383 316 241
Treasury Stock		 0.00 - -
Accumulated Other Comprehensive Income / (Loss)		 -53 -53 -54

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

Annual Metrics And Ratios for Metropolitan Bank

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

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 10.13% -1.20% 42.45%
EBITDA Growth		 -24.72% 8.73% 14.24%
EBIT Growth		 -9.41% 12.23% 9.82%
NOPAT Growth		 -13.70% 30.03% -1.87%
Net Income Growth		 -13.70% 30.03% -1.87%
EPS Growth		 -14.18% 30.62% -17.98%
Operating Cash Flow Growth		 249.92% -50.60% 130.41%
Free Cash Flow Firm Growth		 156.70% -29,000.67% 99.26%
Invested Capital Growth		 -11.47% 60.06% 9.42%
Revenue Q/Q Growth		 3.85% -3.63% 6.08%
EBITDA Q/Q Growth		 14.15% 22.69% -17.44%
EBIT Q/Q Growth		 12.90% 20.61% -20.88%
NOPAT Q/Q Growth		 11.45% 40.59% -30.94%
Net Income Q/Q Growth		 11.45% 40.59% -30.94%
EPS Q/Q Growth		 10.63% 41.31% -31.21%
Operating Cash Flow Q/Q Growth		 332.75% -49.89% -4.44%
Free Cash Flow Firm Q/Q Growth		 131.44% -3.69% -101.49%
Invested Capital Q/Q Growth		 0.46% 10.71% 11.83%
Profitability Metrics		 - - -
EBITDA Margin		 31.51% 46.09% 41.88%
EBIT Margin		 35.60% 43.28% 38.10%
Profit (Net Income) Margin		 23.88% 30.48% 23.16%
Tax Burden Percent		 68.69% 72.27% 61.33%
Interest Burden Percent		 97.67% 97.44% 99.11%
Effective Tax Rate		 31.31% 27.73% 38.67%
Return on Invested Capital (ROIC)		 6.28% 8.44% 8.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.28% 8.44% 8.82%
Return on Net Nonoperating Assets (RNNOA)		 3.33% 4.08% 1.67%
Return on Equity (ROE)		 9.60% 12.51% 10.49%
Cash Return on Invested Capital (CROIC)		 18.45% -37.75% -0.18%
Operating Return on Assets (OROA)		 1.38% 1.65% 1.46%
Return on Assets (ROA)		 0.93% 1.16% 0.89%
Return on Common Equity (ROCE)		 9.60% 12.51% 10.49%
Return on Equity Simple (ROE_SIMPLE)		 9.14% 11.72% 10.32%
Net Operating Profit after Tax (NOPAT)		 67 77 59
NOPAT Margin		 23.88% 30.48% 23.16%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.29% 32.04% 27.61%
Operating Expenses to Revenue		 62.16% 51.88% 57.96%
Earnings before Interest and Taxes (EBIT)		 99 110 98
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 88 117 107
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.90 0.93 1.11
Price to Tangible Book Value (P/TBV)		 0.90 0.93 1.11
Price to Revenue (P/Rev)		 2.34 2.42 2.50
Price to Earnings (P/E)		 9.48 7.65 10.79
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 10.55% 13.07% 9.27%
Enterprise Value to Invested Capital (EV/IC)		 0.72 0.72 0.73
Enterprise Value to Revenue (EV/Rev)		 2.58 3.20 2.00
Enterprise Value to EBITDA (EV/EBITDA)		 8.20 6.94 4.77
Enterprise Value to EBIT (EV/EBIT)		 7.26 7.40 5.24
Enterprise Value to NOPAT (EV/NOPAT)		 10.82 10.50 8.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.86 19.12 5.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.68 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.37 0.71 0.22
Long-Term Debt to Equity		 0.37 0.71 0.22
Financial Leverage		 0.53 0.48 0.19
Leverage Ratio		 10.35 10.80 11.81
Compound Leverage Factor		 10.10 10.52 11.71
Debt to Total Capital		 26.86% 41.54% 18.22%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.86% 41.54% 18.22%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.14% 58.46% 81.78%
Debt to EBITDA		 3.05 4.01 1.19
Net Debt to EBITDA		 0.77 1.70 -1.20
Long-Term Debt to EBITDA		 3.05 4.01 1.19
Debt to NOPAT		 4.02 6.06 2.16
Net Debt to NOPAT		 1.02 2.57 -2.17
Long-Term Debt to NOPAT		 4.02 6.06 2.16
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 196 -346 -1.19
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.91 -2.27 -0.04
Operating Cash Flow to Interest Expense		 0.69 0.28 2.72
Operating Cash Flow Less CapEx to Interest Expense		 0.69 0.28 2.72
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 998 1,127 704
Invested Capital Turnover		 0.26 0.28 0.38
Increase / (Decrease) in Invested Capital		 -129 423 61
Enterprise Value (EV)		 722 811 512
Market Capitalization		 654 613 641
Book Value per Share		 $65.18 $59.57 $52.68
Tangible Book Value per Share		 $65.18 $59.57 $52.68
Total Capital		 998 1,127 704
Total Debt		 268 468 128
Total Long-Term Debt		 268 468 128
Net Debt		 68 199 -129
Capital Expenditures (CapEx)		 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 268 468 128
Total Depreciation and Amortization (D&A)		 -11 7.14 9.71
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $5.97 $6.95 $5.42
Adjusted Weighted Average Basic Shares Outstanding		 11.23M 11.09M 10.96M
Adjusted Diluted Earnings per Share		 $5.93 $6.91 $5.29
Adjusted Weighted Average Diluted Shares Outstanding		 11.23M 11.09M 10.96M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.23M 11.09M 10.96M
Normalized Net Operating Profit after Tax (NOPAT)		 67 77 59
Normalized NOPAT Margin		 23.88% 30.48% 23.16%
Pre Tax Income Margin		 34.77% 42.17% 37.76%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.46 0.72 3.10
NOPAT to Interest Expense		 0.31 0.51 1.88
EBIT Less CapEx to Interest Expense		 0.46 0.72 3.10
NOPAT Less CapEx to Interest Expense		 0.31 0.51 1.88
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 6.87% 4.10% 2.62%

Quarterly Metrics And Ratios for Metropolitan Bank

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

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

Frequently Asked Questions About Metropolitan Bank's Financials

When does Metropolitan Bank's fiscal year end?

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

How has Metropolitan Bank's net income changed over the last 2 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 $59.43 million in 2022. The previous period was $77.27 million in 2023. See Metropolitan Bank's forecast for analyst expectations on what’s next for the company.

How has Metropolitan Bank revenue changed over the last 2 years?

Over the last 2 years, Metropolitan Bank's total revenue changed from $256.62 million in 2022 to $279.23 million in 2024, a change of 8.8%.

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 15.5% increase since 2022.

How much cash does Metropolitan Bank have?

In the past 2 years, Metropolitan Bank's cash and equivalents has ranged from $200.27 million in 2024 to $269.47 million in 2023, 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 2 years?

Over the last 2 years, Metropolitan Bank's book value per share changed from 52.68 in 2022 to 65.18 in 2024, a change of 23.7%.


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This page (NYSE:MCB) was last updated on 5/28/2025 by MarketBeat.com Staff
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