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Metropolitan Bank Holding Corp

Metropolitan Bank Holding Corp

MCB
$91.45USD↑+2.19%+1.96 today

MARKET CAP

1.1B

P/E (TTM)

11.9x

FWD P/E

9.2x

DAY RANGE

$90 – $92

52W RANGE

$65
$102

AI Summary

Stalk
StalkMedium

MCB is currently consolidating around its short-term moving averages after pulling back from recent highs, with no clear active pattern. The medium-term structure remains bullish, anchored by the rising 200-day SMA and absence of bearish patterns, but short-term timing is neutral within tight consolidation. We will await either a decisive breakout above the 50-day SMA resistance or support-holding pullback into the 9/20-day EMA confluence before engaging on the long side.

  • ↑Q2 revenue $51.8M (+11.6% YoY) highlights top-line strength
  • ↑High earnings yield (1.53) and Book-to-Price 0.93 indicate value
  • ↓Non-interest expense up $5.4M YoY to $51.8M weakens margins
Full analysis →

The case for & against

Bull & Bear analysis

Bearish

Metropolitan Bank Holding Corp. (NYSE: MCB) is a regional bank primarily focused on specialized banking solutions, including government banking and strategic market expansions. With an emphasis on customer-centric services, MCB is aiming to strengthen its position through technological investments and a diversification of its lending practices. The bank's current operational focus aligns with significant themes such as interest rate changes and advancements in AI-driven banking solutions, indicative of its adaptive strategy amid changing market demands.

Bull says

  • ↑Q2 revenue $51.8M (+11.6% YoY) highlights top-line strength
  • ↑High earnings yield (1.53) and Book-to-Price 0.93 indicate value
  • ↑Net interest margin 4.08% with Q3 target ~4.20%
  • ↑YTD loan growth $518M, management eyes $1B by year-end
  • ↑$3.4M invested in AI; full AI enablement planned in 24 months
  • ↑Positive dividend yield supports shareholder returns

Bear says

  • ↓Non-interest expense up $5.4M YoY to $51.8M weakens margins
  • ↓Q2 charge-offs $14M on legacy assets pressure credit quality
  • ↓Ongoing securities-fraud probes risk fines, disruptions and volatility
  • ↓High short interest and negative investor sentiment weigh on stock
  • ↓Negative dividend yield may deter income-focused investors
  • ↓Size and rate-sensitivity risks could hamper competitive positioning

Investment themes with MCB

Buybacks↑ +0.48%

Companies repurchasing their own shares

C · JCI · WFC
Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2024 · Mgmt. Guidance

Updated 04-24-2025neutral

Transcript signals

Bull points

  • First quarter loan growth of over $94 million was funded entirely by core deposit growth of more than $340 million, excluding additional growth in the BaaS vertical.
  • We expect to see some additional uplift in the margin throughout the remainder of the year, forecasting a fourth quarter NIM in the range of 3.45% to 3.5%.
  • Loan growth is expected to accelerate as the year progresses, with a planned loan growth of between 600 million and 800 million for the year.

Bear points

  • The decline in BaaS revenue will accelerate as the wind down project proceeds throughout the year. We expect BaaS revenue to total 8 million to 10 million and total non-interest income to foot to 19 million to 21 million for the year.
  • There was also an increase in core operating expenses compared to the fourth quarter, primarily due to seasonally elevated employer tax payments.
  • we expect to see approximately 5 to 10 basis points of additional uplift. Put it another way, we forecast a fourth quarter NIM in the range of 3.45% to 3.5%.
Read full transcript analysis ›