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Metropolitan Bank (MCB) Financials

Metropolitan Bank logo
$64.20 +0.71 (+1.11%)
Closing price 03:59 PM Eastern
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$64.18 -0.01 (-0.02%)
As of 04:05 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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 59 80 69
Consolidated Net Income / (Loss)		 59 77 67
Net Income / (Loss) Continuing Operations		 59 80 69
Total Pre-Tax Income 		97 107 97
Total Revenue		 257 254 279
Net Interest Income / (Expense)		 229 223 253
Total Interest Income		 261 375 468
Loans and Leases Interest Income		 232 345 430
Investment Securities Interest Income		 16 19 21
Deposits and Money Market Investments Interest Income		 12 9.32 15
Other Interest Income		 0.94 2.52 2.24
Total Interest Expense		 32 153 215
Deposits Interest Expense		 29 129 198
Long-Term Debt Interest Expense		 0.61 0.00 0.00
Federal Funds Purchased and Securities Sold Interest Expense		 0.80 1.47 1.49
Total Non-Interest Income		 27 28 24
Other Service Charges		 28 31 26
Other Non-Interest Income		 -0.89 -22 -16
Provision for Credit Losses		 10 12 6.26
Total Non-Interest Expense		 149 132 174
Salaries and Employee Benefits		 57 67 78
Net Occupancy & Equipment Expense		 14 14 21
Property & Liability Insurance Claims		 4.63 9.08 12
Other Operating Expenses		 73 41 63
Income Tax Expense		 37 30 30
Basic Earnings per Share		 $5.42 $6.95 $5.97
Weighted Average Basic Shares Outstanding		 10.96M 11.09M 11.23M
Diluted Earnings per Share		 $5.29 $6.91 $5.93
Weighted Average Diluted Shares Outstanding		 10.96M 11.09M 11.23M
Weighted Average Basic & Diluted Shares Outstanding		 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
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
Net Income / (Loss) Attributable to Common Shareholders		 25 -8.10 26 16 22 16 16 17 13 23
Consolidated Net Income / (Loss)		 25 -7.74 25 16 22 15 16 17 12 21
Net Income / (Loss) Continuing Operations		 25 -8.10 26 16 22 16 16 17 13 23
Total Pre-Tax Income 		36 1.28 34 25 28 20 24 24 18 31
Total Revenue		 69 71 66 62 63 62 67 68 72 72
Net Interest Income / (Expense)		 63 64 59 54 54 57 60 62 65 67
Total Interest Income		 70 81 83 89 98 105 112 116 120 120
Loans and Leases Interest Income		 61 73 76 81 91 98 102 105 111 111
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
Other Interest Income		 0.25 0.29 0.32 0.69 0.76 0.74 0.66 0.51 0.51 0.57
Total Interest Expense		 6.73 17 25 35 44 48 53 54 55 53
Deposits Interest Expense		 6.51 15 22 27 36 43 47 51 52 49
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
Total Non-Interest Income		 5.82 6.35 6.97 7.86 6.51 6.56 7.00 6.14 6.29 4.40
Provision for Credit Losses		 2.01 2.31 0.65 4.31 0.79 6.54 0.53 1.54 2.69 1.50
Total Non-Interest Expense		 31 67 31 32 34 34 42 42 51 38
Salaries and Employee Benefits		 15 16 16 15 17 18 20 19 20 20
Net Occupancy & Equipment Expense		 3.21 3.43 3.66 3.77 3.57 3.29 5.35 5.37 5.44 4.51
Property & Liability Insurance Claims		 1.11 1.03 2.81 1.64 1.98 2.64 2.93 2.93 2.95 2.98
Other Operating Expenses		 12 46 8.30 12 11 9.99 14 15 23 11
Income Tax Expense		 11 9.02 8.76 9.30 6.29 5.30 8.08 7.08 5.30 9.93
Basic Earnings per Share		 $2.28 ($0.72) $2.26 $1.39 $1.99 $1.31 $1.46 $1.50 $1.10 $1.91
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
Diluted Earnings per Share		 $2.23 ($0.70) $2.25 $1.37 $1.97 $1.32 $1.46 $1.50 $1.08 $1.89
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
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

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

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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 6,267 7,068 7,301
Cash and Due from Banks		 257 269 200
Trading Account Securities		 956 930 911
Loans and Leases, Net of Allowance		 4,796 5,567 5,971
Loans and Leases		 4,841 5,625 6,034
Allowance for Loan and Lease Losses		 45 58 63
Other Assets		 258 301 219
Total Liabilities & Shareholders' Equity		 6,267 7,068 7,301
Total Liabilities		 5,691 6,409 6,571
Non-Interest Bearing Deposits		 2,422 1,838 1,334
Interest Bearing Deposits		 2,856 3,899 4,649
Federal Funds Purchased and Securities Sold		 150 99 210
Long-Term Debt		 128 468 268
Other Long-Term Liabilities		 135 104 110
Total Equity & Noncontrolling Interests		 576 659 730
Total Preferred & Common Equity		 576 659 730
Total Common Equity		 576 659 730
Common Stock		 389 396 400
Retained Earnings		 241 316 383
Accumulated Other Comprehensive Income / (Loss)		 -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
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 6,422 6,310 6,522 6,683 7,453 7,266 7,403
Cash and Due from Banks		 709 332 202 177 534 245 318
Trading Account Securities		 945 444 942 909 958 954 949
Loans and Leases, Net of Allowance		 4,575 4,804 5,098 5,302 5,661 5,779 5,835
Loans and Leases		 4,617 4,852 5,150 5,354 5,719 5,839 5,897
Allowance for Loan and Lease Losses		 43 48 52 52 59 60 62
Other Assets		 153 259 281 295 300 288 301
Total Liabilities & Shareholders' Equity		 6,422 6,310 6,522 6,683 7,453 7,266 7,403
Total Liabilities		 5,840 5,663 5,901 6,048 6,780 6,573 6,688
Non-Interest Bearing Deposits		 3,058 2,123 1,730 1,747 1,928 1,883 1,780
Interest Bearing Deposits		 2,674 3,009 3,558 3,775 4,310 4,286 4,490
Federal Funds Purchased and Securities Sold		 - 195 243 0.00 0.00 0.00 0.00
Long-Term Debt		 48 200 228 383 428 278 278
Other Long-Term Liabilities		 60 136 141 144 114 125 140
Total Equity & Noncontrolling Interests		 582 608 621 635 674 692 715
Total Preferred & Common Equity		 582 608 621 635 674 692 715
Total Common Equity		 582 608 621 635 674 692 715
Common Stock		 388 394 393 394 393 396 398
Retained Earnings		 249 264 279 301 332 349 361
Accumulated Other Comprehensive Income / (Loss)		 -54 -50 -51 -60 -52 -52 -44

Annual Metrics and Ratios for Metropolitan Bank

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

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 42.45% -1.20% 10.13%
EBITDA Growth		 14.24% 8.73% -24.72%
EBIT Growth		 9.82% 12.23% -9.41%
NOPAT Growth		 -1.87% 30.03% -13.70%
Net Income Growth		 -1.87% 30.03% -13.70%
EPS Growth		 -17.98% 30.62% -14.18%
Operating Cash Flow Growth		 130.41% -50.60% 249.92%
Free Cash Flow Firm Growth		 99.26% -29,000.67% 156.70%
Invested Capital Growth		 9.42% 60.06% -11.47%
Revenue Q/Q Growth		 6.08% -3.63% 3.85%
EBITDA Q/Q Growth		 -17.44% 22.69% 14.15%
EBIT Q/Q Growth		 -20.88% 20.61% 12.90%
NOPAT Q/Q Growth		 -30.94% 40.59% 11.45%
Net Income Q/Q Growth		 -30.94% 40.59% 11.45%
EPS Q/Q Growth		 -31.21% 41.31% 10.63%
Operating Cash Flow Q/Q Growth		 -4.44% -49.89% 332.75%
Free Cash Flow Firm Q/Q Growth		 -101.49% -3.69% 131.44%
Invested Capital Q/Q Growth		 11.83% 10.71% 0.46%
Profitability Metrics		 - - -
EBITDA Margin		 41.88% 46.09% 31.51%
EBIT Margin		 38.10% 43.28% 35.60%
Profit (Net Income) Margin		 23.16% 30.48% 23.88%
Tax Burden Percent		 61.33% 72.27% 68.69%
Interest Burden Percent		 99.11% 97.44% 97.67%
Effective Tax Rate		 38.67% 27.73% 31.31%
Return on Invested Capital (ROIC)		 8.82% 8.44% 6.28%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.82% 8.44% 6.28%
Return on Net Nonoperating Assets (RNNOA)		 1.67% 4.08% 3.33%
Return on Equity (ROE)		 10.49% 12.51% 9.60%
Cash Return on Invested Capital (CROIC)		 -0.18% -37.75% 18.45%
Operating Return on Assets (OROA)		 1.46% 1.65% 1.38%
Return on Assets (ROA)		 0.89% 1.16% 0.93%
Return on Common Equity (ROCE)		 10.49% 12.51% 9.60%
Return on Equity Simple (ROE_SIMPLE)		 10.32% 11.72% 9.14%
Net Operating Profit after Tax (NOPAT)		 59 77 67
NOPAT Margin		 23.16% 30.48% 23.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 27.61% 32.04% 35.29%
Operating Expenses to Revenue		 57.96% 51.88% 62.16%
Earnings before Interest and Taxes (EBIT)		 98 110 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 107 117 88
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.11 0.93 0.90
Price to Tangible Book Value (P/TBV)		 1.11 0.93 0.90
Price to Revenue (P/Rev)		 2.50 2.42 2.34
Price to Earnings (P/E)		 10.79 7.65 9.48
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 9.27% 13.07% 10.55%
Enterprise Value to Invested Capital (EV/IC)		 0.73 0.72 0.72
Enterprise Value to Revenue (EV/Rev)		 2.00 3.20 2.58
Enterprise Value to EBITDA (EV/EBITDA)		 4.77 6.94 8.20
Enterprise Value to EBIT (EV/EBIT)		 5.24 7.40 7.26
Enterprise Value to NOPAT (EV/NOPAT)		 8.62 10.50 10.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.96 19.12 4.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.68
Leverage & Solvency		 - - -
Debt to Equity		 0.22 0.71 0.37
Long-Term Debt to Equity		 0.22 0.71 0.37
Financial Leverage		 0.19 0.48 0.53
Leverage Ratio		 11.81 10.80 10.35
Compound Leverage Factor		 11.71 10.52 10.10
Debt to Total Capital		 18.22% 41.54% 26.86%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.22% 41.54% 26.86%
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		 81.78% 58.46% 73.14%
Debt to EBITDA		 1.19 4.01 3.05
Net Debt to EBITDA		 -1.20 1.70 0.77
Long-Term Debt to EBITDA		 1.19 4.01 3.05
Debt to NOPAT		 2.16 6.06 4.02
Net Debt to NOPAT		 -2.17 2.57 1.02
Long-Term Debt to NOPAT		 2.16 6.06 4.02
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -1.19 -346 196
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.04 -2.27 0.91
Operating Cash Flow to Interest Expense		 2.72 0.28 0.69
Operating Cash Flow Less CapEx to Interest Expense		 2.72 0.28 0.69
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 704 1,127 998
Invested Capital Turnover		 0.38 0.28 0.26
Increase / (Decrease) in Invested Capital		 61 423 -129
Enterprise Value (EV)		 512 811 722
Market Capitalization		 641 613 654
Book Value per Share		 $52.68 $59.57 $65.18
Tangible Book Value per Share		 $52.68 $59.57 $65.18
Total Capital		 704 1,127 998
Total Debt		 128 468 268
Total Long-Term Debt		 128 468 268
Net Debt		 -129 199 68
Capital Expenditures (CapEx)		 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 128 468 268
Total Depreciation and Amortization (D&A)		 9.71 7.14 -11
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $5.42 $6.95 $5.97
Adjusted Weighted Average Basic Shares Outstanding		 10.96M 11.09M 11.23M
Adjusted Diluted Earnings per Share		 $5.29 $6.91 $5.93
Adjusted Weighted Average Diluted Shares Outstanding		 10.96M 11.09M 11.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.96M 11.09M 11.23M
Normalized Net Operating Profit after Tax (NOPAT)		 59 77 67
Normalized NOPAT Margin		 23.16% 30.48% 23.88%
Pre Tax Income Margin		 37.76% 42.17% 34.77%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 3.10 0.72 0.46
NOPAT to Interest Expense		 1.88 0.51 0.31
EBIT Less CapEx to Interest Expense		 3.10 0.72 0.46
NOPAT Less CapEx to Interest Expense		 1.88 0.51 0.31
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 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
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
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 48.30% 26.30% 22.37% -0.60% -8.87% -12.25% 0.85% 9.25% 14.28% 16.69%
EBITDA Growth		 53.59% -77.66% 31.29% -19.37% -24.48% 262.29% -40.94% -23.34% -49.07% 28.16%
EBIT Growth		 48.85% -93.80% 32.41% -24.87% -21.31% 1,151.47% -29.57% -5.03% -35.99% 53.19%
NOPAT Growth		 53.90% -140.98% 31.83% -32.89% -11.59% 288.22% -35.38% 7.96% -44.40% 47.02%
Net Income Growth		 53.90% -140.98% 31.83% -32.89% -11.59% 288.22% -35.38% 7.96% -44.40% 47.02%
EPS Growth		 25.99% -141.18% 33.14% -33.82% -11.66% 288.57% -35.11% 9.49% -45.18% 43.18%
Operating Cash Flow Growth		 126.90% -25.78% 26.38% 167.39% -48.54% -367.53% -35.95% 429.13% -82.53% 371.27%
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%
Invested Capital Growth		 1.00% 9.42% 38.23% 35.50% 61.67% 60.06% 30.03% 14.24% -2.44% -11.47%
Revenue Q/Q Growth		 10.50% 2.08% -7.57% -5.85% 1.30% -1.71% 7.57% 2.00% 5.96% 0.37%
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%
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%
NOPAT Q/Q Growth		 7.62% -131.02% 423.98% -37.94% 41.78% -33.97% 11.22% 3.68% -26.98% 74.61%
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%
EPS Q/Q Growth		 7.73% -131.39% 421.43% -39.11% 43.80% -32.99% 10.61% 2.74% -28.00% 75.00%
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%
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%
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%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 55.80% 9.24% 53.99% 45.46% 46.24% 38.15% 31.62% 31.90% 20.61% 41.90%
EBIT Margin		 52.05% 2.41% 52.12% 41.00% 44.95% 34.43% 36.40% 35.64% 25.18% 45.19%
Profit (Net Income) Margin		 36.04% -10.95% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60%
Tax Burden Percent		 69.42% -604.22% 74.11% 62.60% 77.81% 73.33% 66.72% 70.34% 69.81% 68.33%
Interest Burden Percent		 99.75% 75.09% 98.14% 97.35% 99.99% 93.05% 100.00% 98.49% 96.79% 95.84%
Effective Tax Rate		 30.58% 704.22% 25.89% 37.40% 22.19% 26.67% 33.28% 29.66% 30.19% 31.67%
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%
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%
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%
Return on Equity (ROE)		 15.50% -4.96% 17.50% 11.25% 15.12% 9.65% 9.63% 9.77% 6.78% 11.90%
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%
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%
Return on Assets (ROA)		 1.39% -0.42% 1.58% 1.00% 1.40% 0.89% 0.90% 0.93% 0.65% 1.15%
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%
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%
Net Operating Profit after Tax (NOPAT)		 25 -7.74 25 16 22 15 16 17 12 21
NOPAT Margin		 36.04% -10.95% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60%
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		 25.68% 27.34% 30.10% 30.60% 32.93% 34.67% 37.75% 35.12% 35.12% 33.34%
Operating Expenses to Revenue		 45.05% 94.32% 46.90% 52.09% 53.80% 55.03% 62.81% 62.10% 71.09% 52.73%
Earnings before Interest and Taxes (EBIT)		 36 1.71 34 26 28 21 24 24 18 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 6.53 36 28 29 24 21 22 15 30
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
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
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
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
Dividend Yield		 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%
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
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
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
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
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
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
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
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
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
Financial Leverage		 0.11 0.19 0.25 0.24 0.35 0.48 0.52 0.39 0.49 0.53
Leverage Ratio		 11.17 11.81 11.08 11.20 10.77 10.80 10.74 10.50 10.43 10.35
Compound Leverage Factor		 11.14 8.87 10.87 10.90 10.77 10.05 10.74 10.34 10.10 9.91
Debt to Total Capital		 7.55% 18.22% 24.76% 26.87% 37.64% 41.54% 38.86% 28.66% 28.00% 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		 7.55% 18.22% 24.76% 26.87% 37.64% 41.54% 38.86% 28.66% 28.00% 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		 92.45% 81.78% 75.24% 73.13% 62.36% 58.46% 61.14% 71.34% 72.00% 73.14%
Debt to EBITDA		 0.37 1.19 1.79 2.18 4.02 4.01 4.37 3.04 3.61 3.05
Net Debt to EBITDA		 -5.08 -1.20 -1.18 0.25 2.16 1.70 -1.08 0.37 -0.52 0.77
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
Debt to NOPAT		 0.55 2.16 3.05 3.95 6.97 6.06 6.26 3.99 4.65 4.02
Net Debt to NOPAT		 -7.68 -2.17 -2.02 0.46 3.75 2.57 -1.55 0.48 -0.67 1.02
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
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)		 19 -68 -209 -207 -366 -408 -238 -104 37 151
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		 2.78 -4.10 -8.46 -5.88 -8.26 -8.46 -4.53 -1.92 0.67 2.83
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
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
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		 10.63 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
Invested Capital Turnover		 0.39 0.38 0.37 0.36 0.32 0.28 0.26 0.29 0.27 0.26
Increase / (Decrease) in Invested Capital		 6.24 61 234 223 388 423 254 121 -25 -129
Enterprise Value (EV)		 42 512 239 416 607 811 321 505 548 722
Market Capitalization		 704 641 371 389 401 613 427 471 589 654
Book Value per Share		 $53.26 $52.68 $55.46 $55.42 $57.39 $59.57 $60.73 $61.86 $63.90 $65.18
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
Total Capital		 630 704 808 850 1,018 1,127 1,102 971 993 998
Total Debt		 48 128 200 228 383 468 428 278 278 268
Total Long-Term Debt		 48 128 200 228 383 468 428 278 278 268
Net Debt		 -661 -129 -132 26 206 199 -106 33 -40 68
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)		 48 128 239 228 383 468 428 278 278 268
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
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
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
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
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
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		 10.93M 10.96M 11.21M 11.06M 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M
Normalized Net Operating Profit after Tax (NOPAT)		 25 0.90 25 16 22 15 16 17 12 21
Normalized NOPAT Margin		 36.04% 1.27% 37.91% 24.98% 34.97% 23.49% 24.29% 24.69% 17.01% 29.60%
Pre Tax Income Margin		 51.92% 1.81% 51.15% 39.91% 44.94% 32.03% 36.40% 35.10% 24.37% 43.31%
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
NOPAT to Interest Expense		 3.71 -0.46 1.01 0.44 0.50 0.30 0.31 0.31 0.22 0.40
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
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
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		 2.71% 2.62% 2.60% 2.95% 6.44% 4.10% 9.20% 9.06% 7.54% 6.87%

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 5/5/2025 by MarketBeat.com Staff
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