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Metropolitan Bank (MCB) Financials

Metropolitan Bank logo
$96.06 +1.30 (+1.37%)
Closing price 06/16/2026 03:59 PM Eastern
Extended Trading
$95.98 -0.08 (-0.08%)
As of 06/16/2026 05:43 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Metropolitan Bank

Annual Income Statements for Metropolitan Bank

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 4.27 5.01 12 26 30 41 61 59 80 69 71
Consolidated Net Income / (Loss)		 4.27 5.01 12 26 30 39 61 59 77 67 71
Net Income / (Loss) Continuing Operations		 4.27 5.01 12 26 30 41 61 59 80 69 71
Total Pre-Tax Income 		6.83 8.06 24 37 44 58 90 97 107 97 102
Total Revenue		 31 43 60 79 103 143 180 257 254 279 292
Net Interest Income / (Expense)		 27 38 52 71 98 125 157 229 223 253 303
Total Interest Income		 33 44 61 84 130 143 173 261 375 468 515
Loans and Leases Interest Income		 31 42 57 77 117 136 165 232 345 430 480
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 9.35
Other Interest Income		 0.41 0.74 0.45 0.65 1.04 0.81 0.61 0.94 2.52 2.24 1.83
Total Interest Expense		 5.26 6.09 8.67 13 32 18 16 32 153 215 200
Deposits Interest Expense		 3.81 4.88 5.87 9.10 26 14 14 29 129 198 199
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 1.29
Total Non-Interest Income		 3.80 5.02 7.82 7.52 4.99 17 24 27 28 24 12
Other Service Charges		 3.80 4.98 4.37 3.31 1.37 18 0.00 28 31 26 0.00
Provision for Credit Losses		 2.02 8.06 7.06 3.14 4.22 9.49 3.82 10 12 6.26 38
Total Non-Interest Expense		 22 27 29 39 54 75 87 149 132 174 152
Salaries and Employee Benefits		 13 17 19 26 31 40 46 57 67 78 84
Net Occupancy & Equipment Expense		 3.62 3.99 4.39 9.05 6.53 12 13 14 14 21 27
Property & Liability Insurance Claims		 0.55 0.68 - - - 2.04 3.85 4.63 9.08 12 9.55
Other Operating Expenses		 4.98 5.30 5.83 4.12 17 21 24 73 41 63 31
Income Tax Expense		 2.56 3.05 11 11 14 18 29 37 30 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 $6.71
Weighted Average Basic Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M 10.12M
Diluted Earnings per Share		 $1.54 $0.43 $2.34 $3.06 $3.56 $4.66 $6.45 $5.29 $6.91 $5.93 $6.62
Weighted Average Diluted Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M 10.12M
Weighted Average Basic & Diluted Shares Outstanding		 - - 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M 10.12M
Cash Dividends to Common per Share		 - - - - - - - - - - $0.30

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 22 16 16 17 13 23 18 19 7.56 27 31
Consolidated Net Income / (Loss)		 22 15 16 17 12 21 16 19 7.12 29 31
Net Income / (Loss) Continuing Operations		 22 16 16 17 13 23 18 19 7.56 27 31
Total Pre-Tax Income 		28 20 24 24 18 31 23 27 10 41 44
Total Revenue		 63 62 67 68 72 72 72 77 80 63 89
Net Interest Income / (Expense)		 54 57 60 62 65 67 67 74 77 85 86
Total Interest Income		 98 105 112 116 120 120 119 127 132 137 135
Loans and Leases Interest Income		 91 98 102 105 111 111 111 119 124 127 123
Investment Securities Interest Income		 - - - 5.49 5.43 - 5.40 5.78 6.05 - 6.69
Deposits and Money Market Investments Interest Income		 1.78 1.97 4.15 5.17 3.22 2.47 1.93 2.08 2.00 3.35 5.33
Other Interest Income		 0.76 0.74 0.66 0.51 0.51 0.57 0.58 0.42 0.44 0.40 0.32
Total Interest Expense		 44 48 53 54 55 53 52 53 55 40 49
Deposits Interest Expense		 36 43 47 51 52 49 47 50 51 51 49
Federal Funds Purchased and Securities Sold Interest Expense		 0.40 0.38 0.38 0.38 0.38 0.35 0.32 0.33 0.33 0.31 0.29
Total Non-Interest Income		 6.51 6.56 7.00 6.14 6.29 4.40 3.64 2.62 2.53 3.08 2.58
Other Service Charges		 0.00 15 0.00 6.51 6.87 - 5.03 3.10 2.97 -11 2.92
Other Non-Interest Income		 6.58 - 7.03 -3.29 -3.11 - -4.32 -3.25 -3.18 - 0.00
Provision for Credit Losses		 0.79 6.54 0.53 1.54 2.69 1.50 4.51 6.38 24 2.85 -2.30
Total Non-Interest Expense		 34 34 42 42 51 38 43 43 46 20 46
Salaries and Employee Benefits		 17 18 20 19 20 20 22 20 22 20 24
Net Occupancy & Equipment Expense		 3.57 3.29 5.35 5.37 5.44 4.51 4.68 6.17 7.96 8.65 6.93
Property & Liability Insurance Claims		 1.98 2.64 2.93 2.93 2.95 2.98 2.97 3.00 1.97 1.61 1.85
Other Operating Expenses		 11 9.99 14 15 23 11 13 14 14 -10 13
Income Tax Expense		 6.29 5.30 8.08 7.08 5.30 9.93 7.01 8.02 3.06 12 13
Basic Earnings per Share		 $1.99 $1.31 $1.46 $1.50 $1.10 $1.91 $1.46 $1.78 $0.68 $2.79 $2.94
Weighted Average Basic Shares Outstanding		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
Diluted Earnings per Share		 $1.97 $1.32 $1.46 $1.50 $1.08 $1.89 $1.45 $1.76 $0.67 $2.74 $2.92
Weighted Average Diluted Shares Outstanding		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
Weighted Average Basic & Diluted Shares Outstanding		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
Cash Dividends to Common per Share		 - - - - - - - - - - $0.20

Annual Cash Flow Statements for Metropolitan Bank

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
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 12/31/2025
Net Change in Cash & Equivalents		 20 17 178 -28 156 475 1,495 -2,102 12 -69 193
Net Cash From Operating Activities		 5.44 15 31 27 39 87 37 86 42 148 89
Net Cash From Continuing Operating Activities		 5.44 15 31 27 39 87 37 86 42 148 89
Net Income / (Loss) Continuing Operations		 4.27 5.01 12 26 30 39 61 59 77 67 71
Consolidated Net Income / (Loss)		 4.27 5.01 12 26 30 39 61 59 77 67 71
Provision For Loan Losses		 2.02 8.06 7.06 3.14 4.22 9.49 3.82 10 12 6.26 38
Depreciation Expense		 0.70 0.79 0.98 1.36 1.61 4.60 5.06 9.71 7.14 -11 -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 -1.51
Changes in Operating Assets and Liabilities, net		 0.90 -7.67 7.48 -2.76 1.39 33 -29 0.85 -61 94 -7.45
Net Cash From Investing Activities		 -187 -234 -367 -455 -1,015 -489 -1,303 -1,229 -775 -370 -763
Net Cash From Continuing Investing Activities		 -187 -234 -367 -455 -1,015 -489 -1,303 -1,229 -775 -370 -763
Purchase of Investment Securities		 -195 -245 -387 -493 -1,022 -719 -1,491 -1,371 -1,036 -511 -998
Sale and/or Maturity of Investments		 9.77 12 22 39 59 230 188 141 261 141 235
Net Cash From Financing Activities		 202 236 513 399 1,132 877 2,761 -958 745 152 868
Net Cash From Continuing Financing Activities		 202 236 513 399 1,132 877 2,761 -958 745 152 868
Net Change in Deposits		 157 228 411 256 1,130 1,028 2,606 -1,158 459 246 1,394
Issuance of Debt		 97 120 351 293 1,071 0.00 0.00 100 340 0.00 0.00
Repayment of Debt		 -65 -138 -363 -150 -1,069 -150 -4.50 -49 -0.14 -200 -236
Repurchase of Common Equity		 - - -0.26 -0.13 -0.09 -0.88 -3.39 -1.56 -3.17 -4.58 -77
Payment of Dividends		 - -3.42 - - - - - - 0.00 0.00 -3.12
Other Financing Activities, Net		 - - 0.14 0.36 - 0.00 0.00 150 -51 111 -210
Cash Interest Paid		 5.03 6.18 8.15 12 32 19 16 32 151 215 212
Cash Income Taxes Paid		 3.27 5.27 8.79 14 15 19 24 35 36 35 26

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -24 92 265 -290 74 -118 -3.81 -44 233 7.65 279
Net Cash From Operating Activities		 27 -31 25 35 4.80 83 7.77 18 32 31 55
Net Cash From Continuing Operating Activities		 27 -31 25 35 4.80 83 7.77 18 32 31 55
Net Income / (Loss) Continuing Operations		 22 15 16 17 12 21 16 19 7.12 29 31
Consolidated Net Income / (Loss)		 22 15 16 17 12 21 16 19 7.12 29 31
Provision For Loan Losses		 0.79 6.54 0.53 1.54 2.69 1.50 4.51 6.38 24 2.85 -2.30
Depreciation Expense		 0.82 2.31 -3.19 -2.54 -3.29 -2.38 -1.45 -1.96 -5.37 -2.27 -3.05
Non-Cash Adjustments to Reconcile Net Income		 2.21 -0.70 10 6.14 -1.28 -22 1.71 2.54 2.38 -8.14 3.22
Changes in Operating Assets and Liabilities, net		 1.60 -53 1.02 13 -5.59 85 -13 -7.33 3.80 9.44 26
Net Cash From Investing Activities		 -195 -277 -117 -107 -31 -115 -307 -281 -150 -24 -314
Net Cash From Continuing Investing Activities		 -195 -277 -117 -107 -31 -115 -307 -281 -150 -24 -314
Purchase of Investment Securities		 -269 -313 -144 -162 -55 -150 -367 -317 -213 -102 -357
Sale and/or Maturity of Investments		 74 36 27 55 24 35 60 36 62 77 43
Net Cash From Financing Activities		 143 400 357 -218 100 -87 295 219 352 1.28 538
Net Cash From Continuing Financing Activities		 143 400 357 -218 100 -87 295 219 352 1.28 538
Net Change in Deposits		 233 216 500 -68 100 -287 466 342 281 304 363
Issuance of Debt		 155 85 100 -0.04 -100 - 9.96 -0.04 -0.01 -9.91 5.00
Issuance of Common Equity		 - - - - - - 0.00 - - - 187
Repayment of Debt		 0.07 -0.14 -140 -150 100 -10 -80 -10 - -146 0.00
Repurchase of Common Equity		 -1.83 - -4.46 -0.02 -0.03 -0.07 -16 -38 -2.74 -20 -14
Payment of Dividends		 - - - - - - 0.00 - - -1.56 -2.02
Other Financing Activities, Net		 -243 99 -99 - - 210 -85 -75 75 -125 0.00
Cash Interest Paid		 44 48 52 53 53 57 51 53 56 53 48
Cash Income Taxes Paid		 12 1.65 11 8.05 11 4.79 8.17 7.35 9.86 0.47 2.93

Annual Balance Sheets for Metropolitan Bank

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

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
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 12/31/2025
Total Assets		 1,220 1,760 2,183 3,358 4,331 7,116 6,267 7,068 7,301 8,256
Cash and Due from Banks		 83 261 233 389 864 2,388 257 269 200 394
Trading Account Securities		 44 38 35 239 269 949 956 930 911 936
Loans and Leases, Net of Allowance		 1,043 1,405 1,846 2,647 3,102 3,697 4,796 5,567 5,971 6,713
Loans and Leases		 1,055 1,420 1,865 2,673 3,137 3,732 4,841 5,625 6,034 6,810
Allowance for Loan and Lease Losses		 12 15 19 26 35 35 45 58 63 97
Other Assets		 33 36 52 61 73 57 258 301 219 213
Total Liabilities & Shareholders' Equity		 1,220 1,760 2,183 3,358 4,331 7,116 6,267 7,068 7,301 8,256
Total Liabilities		 1,111 1,523 1,918 3,058 3,990 6,473 5,691 6,409 6,571 7,513
Non-Interest Bearing Deposits		 403 813 799 1,090 1,726 3,669 2,422 1,838 1,334 1,479
Interest Bearing Deposits		 590 592 862 1,700 2,103 2,767 2,856 3,899 4,649 5,898
Long-Term Debt		 99 87 230 232 82 0.00 128 468 268 32
Other Long-Term Liabilities		 18 31 26 34 77 37 135 104 110 104
Total Equity & Noncontrolling Interests		 109 237 265 299 341 557 576 659 730 743
Total Preferred & Common Equity		 109 237 265 299 341 557 576 659 730 743
Total Common Equity		 109 237 265 299 341 557 576 659 730 743
Common Stock		 96 211 214 217 219 383 389 396 400 406
Retained Earnings		 13 26 51 81 121 181 241 316 383 451
Treasury Stock		 - - - - - - - - 0.00 -73
Accumulated Other Comprehensive Income / (Loss)		 -0.17 -0.21 -0.47 1.21 0.97 -7.50 -54 -53 -53 -40

Quarterly Balance Sheets for Metropolitan Bank

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

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 6,422 6,310 6,522 6,683 7,453 7,266 7,403 7,616 7,854 8,234 8,844
Cash and Due from Banks		 709 332 202 177 534 245 318 196 152 386 672
Trading Account Securities		 945 444 942 909 958 954 949 923 939 929 998
Loans and Leases, Net of Allowance		 4,575 4,804 5,098 5,302 5,661 5,779 5,835 6,274 6,539 6,687 6,964
Loans and Leases		 4,617 4,852 5,150 5,354 5,719 5,839 5,897 6,342 6,613 6,782 7,047
Allowance for Loan and Lease Losses		 43 48 52 52 59 60 62 68 74 94 82
Other Assets		 153 259 281 295 300 288 301 223 224 232 210
Total Liabilities & Shareholders' Equity		 6,422 6,310 6,522 6,683 7,453 7,266 7,403 7,616 7,854 8,234 8,844
Total Liabilities		 5,840 5,663 5,901 6,048 6,780 6,573 6,688 6,878 7,131 7,502 7,896
Non-Interest Bearing Deposits		 3,058 2,123 1,730 1,747 1,928 1,883 1,780 1,385 1,427 1,382 1,540
Interest Bearing Deposits		 2,674 3,009 3,558 3,775 4,310 4,286 4,490 5,065 5,364 5,690 6,200
Long-Term Debt		 48 200 228 383 428 278 278 198 188 188 37
Other Long-Term Liabilities		 60 136 141 144 114 125 140 106 102 117 119
Total Equity & Noncontrolling Interests		 582 608 621 635 674 692 715 738 723 732 948
Total Preferred & Common Equity		 582 608 621 635 674 692 715 738 723 732 948
Total Common Equity		 582 608 621 635 674 692 715 738 723 732 948
Common Stock		 388 394 393 394 393 396 398 399 401 404 585
Retained Earnings		 249 264 279 301 332 349 361 399 418 423 479
Treasury Stock		 - - - - - - - -13 -51 -53 -76
Accumulated Other Comprehensive Income / (Loss)		 -54 -50 -51 -60 -52 -52 -44 -47 -45 -42 -39

Annual Metrics And Ratios for Metropolitan Bank

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $6.71
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 10.12M
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 $6.62
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 10.12M
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		 0.00 0.00 8.19M 8.26M 8.30M 8.34M 10.93M 10.96M 11.09M 11.23M 10.12M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 10,116,117.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 10,116,117.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 3.11
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.87% -12.25% 0.85% 9.25% 14.28% 16.69% 7.90% 12.79% 11.34% - 23.40%
EBITDA Growth		 -24.48% 262.29% -40.94% -23.34% -49.07% 28.16% 10.48% 16.55% -64.65% - 78.82%
EBIT Growth		 -21.31% 1,151.47% -29.57% -5.03% -35.99% 53.19% 1.93% 12.42% -41.50% - 80.68%
NOPAT Growth		 -11.59% 288.22% -35.38% 7.96% -44.40% 47.02% 0.93% 11.72% -41.96% - 92.16%
Net Income Growth		 -11.59% 288.22% -35.38% 7.96% -44.40% 47.02% 0.93% 11.72% -41.96% - 92.16%
EPS Growth		 -11.66% 288.57% -35.11% 9.49% -45.18% 43.18% -0.68% 17.33% -37.96% - 101.38%
Operating Cash Flow Growth		 -48.54% -367.53% -35.95% 429.13% -82.53% 371.27% -68.94% -47.86% 562.26% - 608.68%
Free Cash Flow Firm Growth		 -2,057.15% -497.51% -13.84% 49.67% 110.14% 136.91% 176.49% 175.20% 116.53% - -109.68%
Invested Capital Growth		 61.67% 60.06% 30.03% 14.24% -2.44% -11.47% -15.05% -6.14% -7.38% - 5.24%
Revenue Q/Q Growth		 1.30% -1.71% 7.57% 2.00% 5.96% 0.37% -0.53% 6.62% 4.60% - 41.97%
EBITDA Q/Q Growth		 3.04% -18.90% -4.90% 2.91% -31.54% 104.08% -23.15% 8.57% -79.24% - 12.35%
EBIT Q/Q Growth		 11.06% -24.71% 13.75% -0.14% -25.14% 80.16% -24.31% 10.13% -61.04% - 13.63%
NOPAT Q/Q Growth		 41.78% -33.97% 11.22% 3.68% -26.98% 74.61% -23.64% 14.75% -62.07% - 8.90%
Net Income Q/Q Growth		 41.78% -33.97% 11.22% 3.68% -26.98% 74.61% -23.64% 14.75% -62.07% - 8.90%
EPS Q/Q Growth		 43.80% -32.99% 10.61% 2.74% -28.00% 75.00% -23.28% 21.38% -61.93% - 6.57%
Operating Cash Flow Q/Q Growth		 312.46% -211.88% 181.30% 41.05% -86.38% 1,637.26% -90.69% 136.75% 72.95% - 79.04%
Free Cash Flow Firm Q/Q Growth		 -76.95% -11.49% 41.67% 56.26% 135.64% 306.04% 20.85% -57.00% 2.61% - -107.00%
Invested Capital Q/Q Growth		 19.85% 10.71% -2.26% -11.91% 2.34% 0.46% -6.22% -2.66% 0.99% - 27.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 46.24% 38.15% 31.62% 31.90% 20.61% 41.90% 32.37% 32.96% 6.54% - 46.91%
EBIT Margin		 44.95% 34.43% 36.40% 35.64% 25.18% 45.19% 34.39% 35.52% 13.23% - 50.35%
Profit (Net Income) Margin		 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72% 24.45% 8.87% - 35.38%
Tax Burden Percent		 77.81% 73.33% 66.72% 70.34% 69.81% 68.33% 70.00% 70.07% 69.92% - 70.80%
Interest Burden Percent		 99.99% 93.05% 100.00% 98.49% 96.79% 95.84% 94.38% 98.24% 95.88% - 99.25%
Effective Tax Rate		 22.19% 26.67% 33.28% 29.66% 30.19% 31.67% 30.00% 29.93% 30.08% - 29.20%
Return on Invested Capital (ROIC)		 11.17% 6.50% 6.33% 7.05% 4.55% 7.78% 6.34% 7.62% 2.79% - 11.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.17% 6.50% 6.33% 7.05% 4.55% 7.78% 6.34% 7.62% 2.79% - 11.36%
Return on Net Nonoperating Assets (RNNOA)		 3.95% 3.14% 3.30% 2.72% 2.23% 4.12% 2.81% 2.51% 0.90% - 1.58%
Return on Equity (ROE)		 15.12% 9.65% 9.63% 9.77% 6.78% 11.90% 9.16% 10.13% 3.69% - 12.94%
Cash Return on Invested Capital (CROIC)		 -40.47% -37.75% -19.09% -5.64% 8.42% 18.45% 22.84% 13.65% 14.31% - 3.86%
Operating Return on Assets (OROA)		 1.80% 1.31% 1.34% 1.34% 0.96% 1.76% 1.30% 1.38% 0.51% - 1.89%
Return on Assets (ROA)		 1.40% 0.89% 0.90% 0.93% 0.65% 1.15% 0.86% 0.95% 0.34% - 1.33%
Return on Common Equity (ROCE)		 15.12% 9.65% 9.63% 9.77% 6.78% 11.90% 9.16% 10.13% 3.69% - 12.94%
Return on Equity Simple (ROE_SIMPLE)		 8.66% 0.00% 10.15% 10.06% 8.37% 0.00% 9.06% 9.52% 8.70% - 9.09%
Net Operating Profit after Tax (NOPAT)		 22 15 16 17 12 21 16 19 7.12 - 31
NOPAT Margin		 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72% 24.45% 8.87% - 35.38%
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		 32.93% 34.67% 37.75% 35.12% 35.12% 33.34% 36.71% 34.43% 36.92% - 34.98%
Operating Expenses to Revenue		 53.80% 55.03% 62.81% 62.10% 71.09% 52.73% 59.35% 56.17% 57.05% - 52.24%
Earnings before Interest and Taxes (EBIT)		 28 21 24 24 18 33 25 27 11 - 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 24 21 22 15 30 23 25 5.25 - 42
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.63 0.93 0.63 0.68 0.82 0.90 0.85 1.03 1.06 - 0.89
Price to Tangible Book Value (P/TBV)		 0.63 0.93 0.63 0.68 0.82 0.90 0.85 1.03 1.06 - 0.89
Price to Revenue (P/Rev)		 1.53 2.42 1.68 1.81 2.19 2.34 2.21 2.54 2.58 - 2.72
Price to Earnings (P/E)		 6.96 7.65 6.05 6.59 9.45 9.48 8.91 10.25 11.55 - 9.91
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.20% - 0.60%
Earnings Yield		 14.37% 13.07% 16.52% 15.17% 10.58% 10.55% 11.22% 9.75% 8.65% - 10.09%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.72 0.29 0.52 0.55 0.72 0.67 0.86 0.63 - 0.21
Enterprise Value to Revenue (EV/Rev)		 2.31 3.20 1.26 1.94 2.04 2.58 2.21 2.66 1.92 - 0.66
Enterprise Value to EBITDA (EV/EBITDA)		 6.37 6.94 3.27 5.52 7.11 8.20 6.99 8.32 6.89 - 1.87
Enterprise Value to EBIT (EV/EBIT)		 6.68 7.40 3.22 5.14 6.23 7.26 6.31 7.58 6.08 - 1.68
Enterprise Value to NOPAT (EV/NOPAT)		 11.05 10.50 4.69 7.25 9.16 10.82 9.43 11.34 9.11 - 2.37
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.17 19.12 11.30 8.85 15.98 4.86 4.80 6.82 4.10 - 1.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 6.47 3.68 2.71 6.08 4.24 - 5.51
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.60 0.71 0.64 0.40 0.39 0.37 0.27 0.26 0.26 - 0.04
Long-Term Debt to Equity		 0.60 0.71 0.64 0.40 0.39 0.37 0.27 0.26 0.26 - 0.04
Financial Leverage		 0.35 0.48 0.52 0.39 0.49 0.53 0.44 0.33 0.32 - 0.14
Leverage Ratio		 10.77 10.80 10.74 10.50 10.43 10.35 10.68 10.68 10.81 - 9.76
Compound Leverage Factor		 10.77 10.05 10.74 10.34 10.10 9.91 10.08 10.49 10.36 - 9.69
Debt to Total Capital		 37.64% 41.54% 38.86% 28.66% 28.00% 26.86% 21.16% 20.64% 20.43% - 3.72%
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		 37.64% 41.54% 38.86% 28.66% 28.00% 26.86% 21.16% 20.64% 20.43% - 3.72%
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		 62.36% 58.46% 61.14% 71.34% 72.00% 73.14% 78.84% 79.36% 79.57% - 96.28%
Debt to EBITDA		 4.02 4.01 4.37 3.04 3.61 3.05 2.20 2.00 2.23 - 0.33
Net Debt to EBITDA		 2.16 1.70 -1.08 0.37 -0.52 0.77 0.02 0.38 -2.35 - -5.82
Long-Term Debt to EBITDA		 4.02 4.01 4.37 3.04 3.61 3.05 2.20 2.00 2.23 - 0.33
Debt to NOPAT		 6.97 6.06 6.26 3.99 4.65 4.02 2.96 2.73 2.95 - 0.42
Net Debt to NOPAT		 3.75 2.57 -1.55 0.48 -0.67 1.02 0.02 0.52 -3.11 - -7.38
Long-Term Debt to NOPAT		 6.97 6.06 6.26 3.99 4.65 4.02 2.96 2.73 2.95 - 0.42
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)		 -366 -408 -238 -104 37 151 182 78 80 - -18
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		 -8.26 -8.46 -4.53 -1.92 0.67 2.83 3.52 1.47 1.47 - -0.36
Operating Cash Flow to Interest Expense		 0.62 -0.64 0.48 0.65 0.09 1.57 0.15 0.34 0.58 - 1.12
Operating Cash Flow Less CapEx to Interest Expense		 0.62 -0.64 0.48 0.65 0.09 1.57 0.15 0.34 0.58 - 1.12
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 - 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,018 1,127 1,102 971 993 998 936 911 920 - 985
Invested Capital Turnover		 0.32 0.28 0.26 0.29 0.27 0.26 0.28 0.31 0.32 - 0.32
Increase / (Decrease) in Invested Capital		 388 423 254 121 -25 -129 -166 -60 -73 - 49
Enterprise Value (EV)		 607 811 321 505 548 722 630 780 580 - 204
Market Capitalization		 401 613 427 471 589 654 628 745 778 - 840
Book Value per Share		 $57.39 $59.57 $60.73 $61.86 $63.90 $65.18 $65.73 $67.82 $70.24 - $93.75
Tangible Book Value per Share		 $57.39 $59.57 $60.73 $61.86 $63.90 $65.18 $65.73 $67.82 $70.24 - $93.75
Total Capital		 1,018 1,127 1,102 971 993 998 936 911 920 - 985
Total Debt		 383 468 428 278 278 268 198 188 188 - 37
Total Long-Term Debt		 383 468 428 278 278 268 198 188 188 - 37
Net Debt		 206 199 -106 33 -40 68 1.56 36 -198 - -636
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)		 383 468 428 278 278 268 198 188 188 - 37
Total Depreciation and Amortization (D&A)		 0.82 2.31 -3.19 -2.54 -3.29 -2.38 -1.45 -1.96 -5.37 - -3.05
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.99 $1.31 $1.46 $1.50 $1.10 $1.91 $1.46 $1.78 $0.68 $2.79 $2.94
Adjusted Weighted Average Basic Shares Outstanding		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
Adjusted Diluted Earnings per Share		 $1.97 $1.32 $1.46 $1.50 $1.08 $1.89 $1.45 $1.76 $0.67 $2.74 $2.92
Adjusted Weighted Average Diluted Shares Outstanding		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
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		 11.06M 11.09M 11.19M 11.19M 11.20M 11.23M 10.66M 10.42M 10.30M 10.12M 12.39M
Normalized Net Operating Profit after Tax (NOPAT)		 22 15 16 17 12 21 16 19 7.12 - 31
Normalized NOPAT Margin		 34.97% 23.49% 24.29% 24.69% 17.01% 29.60% 22.72% 24.45% 8.87% - 35.38%
Pre Tax Income Margin		 44.94% 32.03% 36.40% 35.10% 24.37% 43.31% 32.46% 34.90% 12.68% - 49.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.64 0.44 0.46 0.45 0.33 0.61 0.48 0.51 0.19 - 0.91
NOPAT to Interest Expense		 0.50 0.30 0.31 0.31 0.22 0.40 0.32 0.35 0.13 - 0.64
EBIT Less CapEx to Interest Expense		 0.64 0.44 0.46 0.45 0.33 0.61 0.48 0.51 0.19 - 0.91
NOPAT Less CapEx to Interest Expense		 0.50 0.30 0.31 0.31 0.22 0.40 0.32 0.35 0.13 - 0.64
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 5.96%
Augmented Payout Ratio		 6.44% 4.10% 9.20% 9.06% 7.54% 6.87% 24.32% 78.75% 89.37% - 93.36%

Financials Breakdown Chart

Key Financial Trends

Metropolitan Bank Holding Corp. (NYSE: MCB) showed a solid rebound in Q1 2026, but the longer trend still reflects a bank that has grown quickly while carrying rising credit and funding costs. Revenue and earnings improved sequentially, and the balance sheet expanded, but expense pressure, a heavier provision charge, and falling quarter-end cash highlight that execution remains mixed.

  • Q1 2026 net income improved to $31.4 million, up from $28.9 million in Q4 2025 and well above $7.6 million in Q3 2025, showing a strong rebound in profitability.
  • Total revenue rose to $88.8 million in Q1 2026 from $62.6 million in Q4 2025, driven by stronger non-interest income and a healthy net interest income contribution.
  • Net interest income increased to $85.9 million from $85.3 million in Q4 2025 and $77.3 million in Q3 2025, indicating continued strength in the core lending business.
  • Total assets climbed to $8.84 billion from $8.23 billion in Q3 2025 and $7.85 billion in Q2 2025, reflecting meaningful balance sheet growth over the past year.
  • Loans and leases rose to $7.05 billion in Q1 2026, up from $6.78 billion in Q3 2025 and $6.34 billion in Q1 2025, which supports earnings growth if credit quality holds.
  • Operating cash flow was strong at $55.0 million in Q1 2026, compared with $30.7 million in Q4 2025 and $31.8 million in Q3 2025.
  • Deposits grew sharply in Q1 2026, with net change in deposits of $362.5 million, suggesting the bank continued to attract funding.
  • Q1 2026 EPS was $2.94 basic and $2.92 diluted, modestly above Q4 2025's $2.79/$2.74 and far above Q3 2025's $0.68/$0.67, but that quarter included unusually weak earnings.
  • Common equity improved to $948.3 million in Q1 2026 from $732.0 million in Q3 2025, but equity remains relatively thin compared with assets, which is typical for banks but still important to monitor.
  • Provision for credit losses was $2.3 million in Q1 2026, better than the $23.9 million spike in Q3 2025 but still a reminder that credit costs have been volatile.
  • Total non-interest expense increased to $46.4 million in Q1 2026 from $20.4 million in Q4 2025, suggesting costs can swing meaningfully quarter to quarter.
  • Quarter-end cash and due from banks fell to $672.4 million from $385.9 million in Q3 2025, but cash is still down sharply from the $534.4 million level seen in Q1 2024, so liquidity trends deserve attention.

Longer-term trend: Over the last four years, MCB has meaningfully expanded loans and assets, and profitability is now much stronger than the weak period seen in late 2022. However, the path has not been linear. Non-interest income has been volatile, deposit flows have swung quarter to quarter, and provision expense has periodically spiked. That makes the bank’s earnings profile look more cyclical than stable.

Bottom line: MCB currently appears to have improving fundamentals, with strong loan growth, better earnings, and good operating cash generation in Q1 2026. Still, investors should watch credit costs, funding trends, and expense control closely, because those items have had a big impact on results.

06/17/26 03:37 AM ETAI Generated. May Contain Errors.

Metropolitan Bank Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Metropolitan Bank's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Metropolitan Bank's net income appears to be on an upward trend, with a most recent value of $71.10 million in 2025, rising from $4.27 million in 2015. The previous period was $66.69 million in 2024. View Metropolitan Bank's forecast to see where analysts expect Metropolitan Bank to go next.

Over the last 10 years, Metropolitan Bank's total revenue changed from $31.22 million in 2015 to $291.57 million in 2025, a change of 833.9%.

Metropolitan Bank's total liabilities were at $7.51 billion at the end of 2025, a 14.3% increase from 2024, and a 576.3% increase since 2016.

In the past 9 years, Metropolitan Bank's cash and equivalents has ranged from $82.93 million in 2016 to $2.39 billion in 2021, and is currently $393.59 million as of their latest financial filing in 2025.


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Financial statements for NYSE:MCB last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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