NYSE : MCB
Metropolitan Bank Holding Corp. — Financial statements
Financials · Banks - Regional · United States
Last price 95.47 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.17B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 525.74M | 480.50M | 429.75M | 345.04M | 231.85M | 164.53M |
| Interest Income on Investments | 34.78M | 34.78M | 38.63M | 30.37M | 28.89M | 8.76M |
| Total Interest Income | 560.52M | 515.28M | 468.38M | 375.40M | 260.74M | 173.28M |
| Interest Paid on Deposits | 188.00M | 198.81M | 198.01M | 128.68M | 29.28M | 14.24M |
| Interest Paid on Borrowings | 13.23M | 13.23M | 17.28M | 23.89M | 2.30M | 2.04M |
| Total Interest Expense | 201.23M | 212.04M | 215.29M | 152.57M | 31.58M | 16.28M |
| Net Interest Income | 359.29M | 303.24M | 253.08M | 222.84M | 229.16M | 157.00M |
| Other Non-Interest Income | 2.05M | 3.48M | 15.56M | 21.83M | 20.85M | 18.94M |
| Total Non-Interest Income | 11.18M | 11.87M | 23.83M | 27.90M | 26.59M | 23.70M |
| Revenues Before Loan Losses | 370.47M | 315.11M | 276.91M | 250.74M | 255.75M | 180.70M |
| Provision for Loan Losses | 18.97M | 37.59M | 6.26M | 12.28M | 10.12M | 3.82M |
| Revenue | 351.50M | 277.51M | 270.66M | 238.46M | 245.63M | 176.88M |
| Salaries and Employee Benefits | 86.72M | 75.10M | 68.96M | 57.20M | 49.45M | 41.09M |
| Occupancy Expenses | 12.06M | 10.32M | 9.66M | 9.34M | 8.86M | 3.15M |
| Federal Deposit Insurance | 5.65M | 9.55M | 11.78M | 9.08M | 4.62M | 3.85M |
| Selling, General & Administrative | 41.76M | 40.99M | 41.23M | 32.77M | 37.45M | 30.28M |
| Other Non-Interest Expense | 45.87M | 40.04M | 41.95M | 23.15M | 48.35M | 8.94M |
| Total Non-Interest Expense | 192.07M | 176.00M | 173.57M | 131.54M | 148.74M | 87.31M |
| EBT Excluding Unusual Items | 159.43M | 101.51M | 97.08M | 106.92M | 96.90M | 89.57M |
| Pretax Income | 159.43M | 101.51M | 97.08M | 106.92M | 96.90M | 89.57M |
| Income Tax Expense | 47.49M | 30.41M | 30.39M | 29.65M | 37.47M | 29.02M |
| Net Income | 111.94M | 71.10M | 66.69M | 77.27M | 59.42M | 60.55M |
| Preferred Dividends & Other Adjustments | 365.00K | 141.00K | 739.00K | |||
| Net Income to Common | 111.94M | 71.10M | 66.69M | 76.90M | 59.28M | 59.82M |
| Basic Shares Outstanding | 11.47M | 10.59M | 11.18M | 11.06M | 10.93M | 9.01M |
| Diluted Shares Outstanding | 11.63M | 10.74M | 11.26M | 11.13M | 11.20M | 9.27M |
| EPS (Basic) | 9.76 | 6.71 | 5.97 | 6.95 | 5.42 | 6.64 |
| EPS (Diluted) | 9.63 | 6.62 | 5.93 | 6.91 | 5.29 | 6.45 |
| Dividend Per Share | 0.95 | 0.30 | ||||
| Effective Tax Rate | 29.79% | 29.96% | 31.31% | 27.73% | 38.67% | 32.39% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 247.00M | 393.59M | 606.00K | 20.84M | 16.73M | 47.87M |
| Investment Securities | 33.38M | 62.87M | 128.25M | 124.29M | 121.56M | 132.08M |
| Trading Asset Securities | 888.00K | 919.00K | 2.69M | 3.38M | ||
| Mortgage-Backed Securities | 1.48B | 880.29M | 789.50M | 809.90M | 838.16M | 820.41M |
| Total Investments | 1.52B | 944.05M | 918.67M | 936.88M | 959.72M | 955.88M |
| Gross Loans | 7.53B | 6.83B | 6.05B | 5.64B | 4.85B | 3.74B |
| Allowance for Loan Losses | -64.15M | -97.08M | -63.27M | -57.97M | -44.88M | -34.73M |
| Other Adjustments to Gross Loans | -18.52M | -16.97M | -17.21M | -12.97M | -7.60M | |
| Net Loans | 7.47B | 6.71B | 5.97B | 5.57B | 4.80B | 3.70B |
| Property, Plant & Equipment | 44.99M | 47.62M | 42.24M | |||
| Other Receivables | 87.65M | 85.61M | 39.86M | |||
| Restricted Cash | 199.66M | 248.63M | 240.69M | 2.31B | ||
| Long-Term Deferred Tax Assets | 44.20M | 41.38M | 38.13M | 35.35M | 10.97M | |
| Other Long-Term Assets | 238.70M | 108.50M | 104.78M | 100.92M | 124.40M | 50.02M |
| Total Assets | 9.47B | 8.26B | 7.30B | 7.07B | 6.27B | 7.12B |
| Interest Bearing Deposits | 6.53B | 5.85B | 4.62B | 3.88B | 2.82B | 2.73B |
| Institutional Deposits | 46.40M | 26.20M | 21.20M | 30.80M | 39.40M | |
| Non-Interest Bearing Deposits | 1.79B | 1.48B | 1.33B | 1.84B | 2.42B | 3.67B |
| Total Deposits | 8.32B | 7.38B | 5.98B | 5.74B | 5.28B | 6.44B |
| Short-Term Borrowings | 4.56M | 451.54M | 545.04M | 250.00M | ||
| Current Portion of Leases | 5.38M | 5.26M | 5.01M | |||
| Other Current Liabilities | 49.93M | 56.44M | 51.69M | 135.18M | 46.00M | |
| Long-Term Debt | 15.91M | 10.97M | 7.44M | 7.58M | 7.72M | 57.17M |
| Long-Term Leases | 43.96M | 46.65M | 41.42M | |||
| Trust Preferred Securities | 20.62M | 20.62M | 20.62M | 20.62M | 20.62M | 20.62M |
| Total Liabilities | 8.50B | 7.51B | 6.57B | 6.41B | 5.69B | 6.56B |
| Common Stock | 136.00K | 113.00K | 112.00K | 111.00K | 109.00K | 109.00K |
| Additional Paid-In Capital | 591.98M | 405.56M | 400.19M | 395.87M | 389.28M | 383.00M |
| Retained Earnings | 523.13M | 450.64M | 382.66M | 315.98M | 240.81M | 181.38M |
| Treasury Stock | -85.93M | -73.47M | ||||
| Comprehensive Income & Other | -54.64M | -39.74M | -53.13M | -52.94M | -54.30M | -7.50M |
| Total Common Equity | 974.68M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
| Shareholders' Equity | 974.68M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
| Total Liabilities & Equity | 9.47B | 8.26B | 7.30B | 7.07B | 6.27B | 7.12B |
| Total Debt | 36.53M | 85.49M | 531.51M | 619.67M | 278.35M | 77.79M |
| Net Cash (Debt) | 210.47M | 309.48M | -529.49M | -595.65M | -261.12M | -26.04M |
| Net Cash Per Share | 18.10 | 28.81 | -47.04 | -53.52 | -23.31 | -2.81 |
| Filing Date Shares Outstanding | 12.29M | 10.12M | 11.23M | 11.09M | 10.96M | 10.93M |
| Total Common Shares Outstanding | 12.29M | 10.09M | 11.20M | 11.06M | 10.95M | 10.92M |
| Book Value Per Share | 79.34 | 73.66 | 65.18 | 59.57 | 52.59 | 51.00 |
| Tangible Book Value | 974.68M | 743.11M | 729.83M | 659.02M | 575.90M | 556.99M |
| Tangible Book Value Per Share | 79.34 | 73.66 | 65.18 | 59.57 | 52.59 | 51.00 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 71.10M | 66.69M | 77.27M | 59.42M | 60.55M | |
| Depreciation & Amortization | -11.05M | -11.41M | 7.14M | 9.71M | 5.06M | |
| Other Amortization | 2.33M | |||||
| Gain (Loss) on Sale of Investments | -547.00K | |||||
| Provision for Credit Losses | 37.59M | 6.26M | 12.28M | 10.12M | 3.82M | |
| Change in Other Net Operating Assets | -7.45M | 83.81M | -61.16M | 2.58M | -38.62M | |
| Other Operating Activities | -10.44M | -5.78M | -2.88M | -3.77M | -142.00K | |
| Operating Cash Flow | 88.68M | 148.46M | 42.43M | 85.89M | 37.28M | |
| Capital Expenditures | -6.26M | -2.63M | -5.75M | -19.25M | -4.00M | |
| Investment in Securities | 9.14M | 28.41M | 20.04M | -96.14M | -697.30M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -765.85M | -395.39M | -789.74M | -1.11B | -601.70M | |
| Investing Cash Flow | -762.96M | -369.61M | -775.45M | -1.23B | -1.30B | |
| Short-Term Debt Issued | 111.00M | 340.00M | 250.00M | |||
| Long-Term Debt Issued | 3.53M | 100.00M | ||||
| Total Debt Issued | 3.53M | 211.00M | 340.00M | 250.00M | ||
| Short-Term Debt Repaid | -450.00M | -200.00M | -51.00M | |||
| Long-Term Debt Repaid | -100.14M | -140.00K | -49.45M | -4.50M | ||
| Total Debt Repaid | -450.00M | -300.14M | -51.14M | -49.45M | -4.50M | |
| Net Debt Issued (Repaid) | -446.47M | -89.14M | 288.86M | 200.55M | -4.50M | |
| Issuance of Common Stock | 194.00K | 162.69M | ||||
| Repurchase of Common Stock | -77.02M | -4.58M | -3.17M | -1.56M | -3.38M | |
| Common Dividends Paid | -3.12M | |||||
| Total Dividends Paid | -3.12M | |||||
| Net Increase (Decrease) in Deposit Accounts | 1.39B | 245.68M | 459.38M | -1.16B | 2.61B | |
| Financing Cash Flow | 867.60M | 151.96M | 745.07M | -958.47M | 2.76B | |
| Net Cash Flow | 193.32M | -69.20M | 12.05M | -2.10B | 1.50B | |
| Free Cash Flow | 82.42M | 145.83M | 36.68M | 66.65M | 33.28M | |
| Free Cash Flow Margin | 29.70% | 53.88% | 15.38% | 27.13% | 18.82% | |
| Free Cash Flow Per Share | 7.67 | 12.96 | 3.29 | 5.95 | 3.59 | |
| Cash Interest Paid | 212.22M | 215.38M | 151.40M | 31.60M | 16.25M | |
| Cash Income Tax Paid | 25.85M | 34.80M | 36.17M | 35.30M | 24.16M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.18B | 786.36M | 653.94M | 612.65M | 641.36M | 1.13B |
| Last Close Price | 95.47 | 75.37 | 57.40 | 54.43 | 57.66 | 104.70 |
| PE Ratio | 10.00 | 11.06 | 9.81 | 7.97 | 10.82 | 18.96 |
| PS Ratio | 3.34 | 2.83 | 2.42 | 2.57 | 2.61 | 6.41 |
| PB Ratio | 1.20 | 1.06 | 0.90 | 0.93 | 1.11 | 2.04 |
| P/FCF Ratio | 11.77 | 9.54 | 4.48 | 16.70 | 9.62 | 34.07 |
| P/OCF Ratio | 10.98 | 8.87 | 4.41 | 14.44 | 7.47 | 30.42 |
| Debt / Equity Ratio | 0.04 | 0.12 | 0.73 | 0.94 | 0.48 | 0.14 |
| Debt / FCF Ratio | 1.04 | 3.65 | 16.89 | 4.18 | 2.34 | |
| Net Debt / Equity Ratio | -0.22 | -0.42 | 0.72 | 0.90 | 0.45 | 0.05 |
| Net Debt / FCF Ratio | -3.75 | 3.63 | 16.24 | 3.92 | 0.78 | |
| Return on Equity (ROE) | 13.12% | 9.65% | 9.60% | 12.51% | 10.49% | 13.49% |
| Return on Assets (ROA) | 1.26% | 0.91% | 0.93% | 1.16% | 0.89% | 1.06% |
| Earnings Yield | 10.00% | 9.04% | 10.20% | 12.61% | 9.26% | 5.34% |
| FCF Yield | 8.50% | 10.48% | 22.30% | 5.99% | 10.39% | 2.94% |
| Dividend Yield | 1.68% | 0.39% | ||||
| Payout Ratio | 12.45% | 4.39% | ||||
| Buyback Yield / Dilution | -5.85% | 4.56% | -1.13% | 0.63% | -20.79% | -10.41% |
| Total Shareholder Return | -4.17% | 4.95% | -1.13% | 0.63% | -20.79% | -10.41% |