Metropolitan Bank Holding Corp. Common Stock (MCB)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small regional bank by asking whether it earns a respectable return on equity, whether the balance sheet is sound, and whether price-to-book is modest. Metropolitan Bank Holding, a $1.1B market-cap bank holding company with 326 employees, shows a FairStock P/B of 1.10 and P/E of 11.07 at the 2026-10-13 close, which is not demanding. ROE is 10.24%, respectable but not exceptional. The Lynch category computed by FairStock is STALWART: profit grew 12.5% a year over five years, but revenue fell 4.2%, a mixed record. Filed figures confirm lumpiness: net income was $77.3M in FY2023, $66.7M in FY2024 and $71.1M in FY2025; diluted EPS was $6.91, $5.93 and $6.62. Quarterly net income swung from $7.1M in fiscal Q3 2025, the quarter ended 2025-09-30, to $31.4M in fiscal Q1 2026, the quarter ended 2026-03-31, and $19.2M in fiscal Q2 2026, the quarter ended 2026-06-30. The Piotroski F-Score of 3/9 is weak, and the supplied profit growth of 2.43% with a PEG of 4.56 suggests little margin of safety if growth slows. The filed revenue line, $11.1M for FY2025, looks inconsistent with net income, so I would not overread it. For a bank, I want CET1, net interest margin, reserve coverage and charge-offs; those are not in the data. Combined ratio is not applicable to a bank. At 1.10 times book, the price is fair, not a bargain, unless credit quality and returns improve.

In plain English: Metropolitan Bank Holding is the parent of a regional bank that takes deposits and makes business and consumer loans. The bank is profitable, but its earnings have been uneven and some quality checks are weak. At the recent price, it looks about fairly valued rather than clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer