Metropolitan Bank Holding Corp. (MCB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Metropolitan Bank Holding Corp. (MCB) trades at $100.21 with AI Score 80/100 (Grade A+). Metropolitan Bank Holding Corp. Market cap: $1.05B, Sector: Financial services.
Price live · AI analysis from May 10, 2026MCB stock analysis for 2026: Analysts have set a consensus price target of $97.00 for Metropolitan Bank Holding Corp., suggesting 3.2% downside from the current price of $100.21. The AI MoonshotScore is 80/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
MCB: 6/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Metropolitan Bank Holding Corp. (MCB) Financial Services Profile
Metropolitan Bank Holding Corp., through Metropolitan Commercial Bank, serves the New York metropolitan area with a focus on commercial and industrial lending, leveraging its local market expertise and relationship-based banking model. With a profit margin of 15.9% and a dividend yield of 0.83%, MCB balances growth and shareholder returns.
What Is the Investment Thesis for MCB?
Metropolitan Bank Holding Corp. presents a compelling investment case based on its strategic focus on the New York metropolitan area, a robust lending portfolio, and a diversified suite of banking services. With a market capitalization of $1.05B and a P/E ratio of 11.2, MCB demonstrates a solid financial foundation. The bank's 15.9% profit margin indicates efficient operations and profitability. Growth catalysts include expansion within the New York market and strategic partnerships to enhance service offerings. Potential risks include economic downturns impacting loan performance and increased competition from larger regional and national banks. The company's beta of 1.14 suggests moderate volatility relative to the market.
Based on FMP financials and quantitative analysis
MCB Key Highlights
- Market capitalization of $1.05B, reflecting a substantial valuation in the regional banking sector.
- P/E ratio of 11.2, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 15.9%, showcasing efficient profitability in a competitive banking environment.
- Gross margin of 55.7%, demonstrating strong revenue management and cost control.
- Dividend yield of 0.83%, providing a modest income stream for investors.
Who Are MCB's Competitors?
MCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
| HMST HomeStreet, Inc. | $13.87 | +1.84% | $262.43M | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MCB's Key Strengths?
- Strong local market presence in the New York metropolitan area.
- Diversified lending portfolio.
- Experienced management team.
- Solid financial performance.
What Are MCB's Weaknesses?
- Limited geographic reach compared to larger regional and national banks.
- Reliance on the New York metropolitan area economy.
- Smaller scale may limit access to capital and resources.
- Higher beta indicates more volatility than its peers
What Could Drive MCB Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract new customers and enhance customer experience.
- Strategic partnerships with fintech companies to offer innovative financial solutions.
What Are the Key Risks for MCB?
- Financial-distress signal — its Altman Z-Score of 0.26 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in the New York metropolitan area could negatively impact loan performance.
- Increased competition from larger regional and national banks could erode market share.
- Regulatory changes in the banking industry could increase compliance costs.
- Fluctuations in interest rates could impact profitability.
What Are the Growth Opportunities for MCB?
- Expansion within the New York Metropolitan Area: Metropolitan Bank Holding Corp. can capitalize on the growth opportunities within its existing geographic footprint. The New York metropolitan area boasts a large and diverse economy, offering significant potential for expanding its customer base and increasing loan volume. By focusing on specific niches, such as small businesses and middle-market enterprises, MCB can tailor its services to meet the unique needs of these segments. This targeted approach can drive organic growth and enhance market share. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with fintech companies and other financial institutions can enhance MCB's service offerings and expand its reach. Collaborating with fintech firms can enable the bank to offer innovative digital banking solutions, improve customer experience, and streamline operations. Partnerships with other financial institutions can provide access to new markets and specialized expertise. These alliances can drive revenue growth and enhance MCB's competitive position. Timeline: Ongoing.
- Increased Focus on Digital Banking: Investing in digital banking technologies can attract new customers, improve operational efficiency, and enhance customer satisfaction. By offering a comprehensive suite of online and mobile banking services, MCB can cater to the evolving needs of tech-savvy customers. Digital banking initiatives can include enhanced online account management, mobile payment solutions, and personalized financial advice. This digital transformation can drive customer acquisition and retention. Timeline: Ongoing.
- Expansion of Lending Products: Diversifying its lending portfolio can mitigate risk and enhance revenue growth. By expanding into new lending segments, such as specialized commercial lending or consumer finance, MCB can tap into new markets and generate additional income streams. This diversification can reduce reliance on specific sectors and improve the bank's overall financial performance. Careful risk management and credit analysis are essential for successful expansion into new lending areas. Timeline: Ongoing.
- Enhanced Cash Management Services: Offering advanced cash management services to businesses can attract and retain valuable commercial clients. By providing solutions such as automated clearing house (ACH) services, remote deposit capture, and online payment processing, MCB can streamline financial operations for its business customers. These services can enhance customer loyalty and generate fee income for the bank. Investing in technology and expertise to deliver superior cash management solutions is crucial for success. Timeline: Ongoing.
What Opportunities Does MCB Have?
- Expansion within the New York metropolitan area.
- Strategic partnerships with fintech companies.
- Increased focus on digital banking.
- Expansion of lending products.
What Threats Does MCB Face?
- Economic downturns impacting loan performance.
- Increased competition from larger banks.
- Regulatory changes affecting the banking industry.
- Rising interest rates impacting profitability.
What Are MCB's Competitive Advantages?
- Strong local market presence in the New York metropolitan area.
- Relationship-based banking model fostering customer loyalty.
- Experienced management team with deep industry knowledge.
- Diversified lending portfolio mitigating risk.
What Does MCB Do?
Metropolitan Bank Holding Corp., founded in 1999, operates as the bank holding company for Metropolitan Commercial Bank. Headquartered in New York City, the bank provides a comprehensive suite of banking products and services tailored to small businesses, middle-market enterprises, public entities, and individuals within the New York metropolitan area. Its offerings encompass a variety of deposit accounts, including checking, savings, term deposit, and money market accounts, as well as certificates of deposit. The bank's lending portfolio is diverse, featuring commercial real estate, construction, multi-family, and one-to four-family real estate loans, alongside commercial and industrial loans. Further lending products include consumer loans, acquisition and renovation loans, loans to refinance or return borrower equity, loans on owner-occupied properties, working capital lines of credit, trade finance, letters of credit, and term loans. Metropolitan Commercial Bank also provides cash management services, online and mobile banking, ACH, remote deposit capture, and debit card services. The bank operates six banking centers strategically located throughout Manhattan, Brooklyn, Great Neck, and Long Island, emphasizing its commitment to local market presence and personalized service.
What Products and Services Does MCB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial real estate loans for construction and multi-family properties.
- Provides commercial and industrial loans to small and medium-sized businesses.
- Offers consumer loans for personal and household needs.
- Provides cash management services to businesses.
- Offers online and mobile banking services.
- Provides trade finance and letters of credit.
How Does MCB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from cash management services.
- Collects fees from online and mobile banking services.
- Profits from the spread between deposit interest paid and loan interest earned.
What Industry Does MCB Operate In?
Metropolitan Bank Holding Corp. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like MCB differentiate themselves through localized expertise, personalized service, and strong community ties. The market is seeing increased consolidation as banks seek economies of scale and broader geographic reach. Metropolitan Bank Holding Corp. competes with both larger national banks and smaller community banks in the New York metropolitan area, requiring a focus on niche markets and customer relationships.
Who Are MCB's Key Customers?
- Small businesses in the New York metropolitan area.
- Middle-market enterprises in the New York metropolitan area.
- Public entities in the New York metropolitan area.
- Individuals in the New York metropolitan area.
Company Profile
Metropolitan Bank Holding Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Mark R. DeFazio. MCB has traded publicly since 2017.
How Metropolitan Bank Holding Corp. Is Valued
Metropolitan Bank Holding Corp. carries a market capitalization of $1.05B, placing it in the small-cap category. Relative to its peer group, MCB's quantitative score of 80/100 is above the peer average of 68/100.
ROE 11%Key Financial Metrics
Return on equity for Metropolitan Bank Holding Corp. stands at 11.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. MCB trades at a trailing price-to-earnings ratio of 11.24, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Metropolitan Bank Holding Corp.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.26 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Metropolitan Bank Holding Corp. revenue of about $381.2M for fiscal 2026, with EPS near $10.40.
MCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider buying has increased recently, signaling confidence from management in the bank's future prospects.
- Positive community sentiment has emerged around the bank's strategic initiatives, suggesting a strong belief in growth potential.
- Recent regulatory changes may favor regional banks, positioning MCB to capitalize on new opportunities in the market.
- Analysts have noted improvements in loan growth and deposit trends, reflecting a healthy operational environment.
Bear Case
- Concerns about rising interest rates persist, which could impact the bank's net interest margins and overall profitability.
- Social sentiment has shown some caution, with discussions around potential economic slowdowns affecting lending practices.
- Recent news about increased competition in the regional banking sector raises questions about MCB's market share and growth strategy.
- The general market perception remains mixed, with some investors wary of the banking sector's stability in the current economic climate.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
MCB Latest News
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Earnings Scheduled For May 15, 2026
benzinga · May 15, 2026
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Stocks That Hit 52-Week Highs On Tuesday
· Dec 16, 2019
MCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MCB.
Price Targets
Consensus target: $97.00
MCB MoonshotScore
What does this score mean?
The MoonshotScore rates MCB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Mark R. DeFazio
CEO
Mark R. DeFazio serves as the CEO of Metropolitan Bank Holding Corp. He has extensive experience in the banking industry, with a focus on commercial lending and community banking. His career includes various leadership roles in financial institutions within the New York metropolitan area. DeFazio's expertise encompasses strategic planning, risk management, and business development. He is actively involved in community initiatives and serves on various boards and committees.
Track Record: Under Mark R. DeFazio's leadership, Metropolitan Bank Holding Corp. has experienced consistent growth and profitability. He has overseen the expansion of the bank's lending portfolio and the enhancement of its service offerings. DeFazio has also played a key role in fostering a strong corporate culture and building a high-performing team. His strategic decisions have contributed to the bank's success in a competitive market.
MCB Financial Services Stock FAQ
What does Metropolitan Bank Holding Corp. do?
Metropolitan Bank Holding Corp., through its subsidiary Metropolitan Commercial Bank, provides a range of banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. These services include checking and savings accounts, commercial and industrial loans, commercial real estate loans, cash management services, and online banking. The bank operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island, focusing on building strong relationships with its local customers.
What do analysts say about MCB stock?
Analyst coverage of Metropolitan Bank Holding Corp. typically focuses on its growth prospects within the competitive New York banking market, its asset quality, and its net interest margin. Key valuation metrics include the price-to-earnings ratio and price-to-book ratio, which are compared to peer regional banks. Analysts consider the bank's ability to manage credit risk and maintain profitability in a changing interest rate environment. The consensus view reflects expectations for continued growth, balanced against potential economic headwinds.
What are the main risks for MCB?
The main risks for Metropolitan Bank Holding Corp. include credit risk associated with its loan portfolio, interest rate risk impacting its net interest margin, and competition from larger regional and national banks. Economic downturns in the New York metropolitan area could lead to increased loan defaults and reduced demand for banking services. Regulatory changes and compliance costs also pose challenges. Additionally, the bank faces operational risks related to cybersecurity and technology infrastructure.
What are the key factors to evaluate for MCB?
Metropolitan Bank Holding Corp. (MCB) holds an AI score of 80/100 (high). P/E: 11.2x vs the S&P 500's ~20-25x. Analysts target $97.00 (-3%). Not financial advice.
How frequently does MCB data refresh on this page?
MCB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MCB's recent stock price performance?
Metropolitan Bank Holding Corp. (MCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local market presence in the New York metropolitan area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MCB overvalued or undervalued right now?
Metropolitan Bank Holding Corp. (MCB) trades at 11.2x earnings. Analysts target $97.00 (-3%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MCB?
Before investing in Metropolitan Bank Holding Corp. (MCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.