Metropolitan Bank Financials

MCB Stock  USD 67.29  1.03  1.55%   
Based on the analysis of Metropolitan Bank's profitability, liquidity, and operating efficiency, Metropolitan Bank Holding is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Metropolitan Bank's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 6 B, whereas Total Assets are forecasted to decline to about 4.2 B. Key indicators impacting Metropolitan Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.190.324
Way Down
Slightly volatile
Return On Assets0.00660.0109
Way Down
Slightly volatile
Return On Equity0.07080.1172
Way Down
Slightly volatile
Debt Equity Ratio0.720.8683
Significantly Down
Slightly volatile
Operating Income65.4 M106.9 M
Way Down
Slightly volatile
Current Ratio0.00320.0033
Notably Down
Slightly volatile
The financial analysis of Metropolitan Bank is a critical element in measuring its lifeblood. Investors should not minimize Metropolitan Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

81.13 Million

  
Understanding current and past Metropolitan Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Metropolitan Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in Metropolitan Bank's assets may result in an increase in income on the income statement.
Please note, the presentation of Metropolitan Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Metropolitan Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Metropolitan Bank's management manipulating its earnings.

Metropolitan Bank Stock Summary

Metropolitan Bank competes with Customers Bancorp, BayCom Corp, Capital Bancorp, Investar Holding, and Chemung Financial. Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York. Metropolitan Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 202 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS5917741044
CUSIP591774104
LocationNew York; U.S.A
Business Address99 Park Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.mcbankny.com
Phone212 659 0600
CurrencyUSD - US Dollar

Metropolitan Bank Key Financial Ratios

Metropolitan Bank Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets3.4B4.3B7.1B6.3B7.1B4.2B
Other Current Liab(24.8M)(62.4M)(37.2M)5.2B5.7B6.0B
Net Tangible Assets289.4M331.1M547.3M575.9M662.3M695.4M
Net Debt(179.6M)(802.7M)(2.3B)307K344.2M361.4M
Retained Earnings81.4M120.8M181.4M240.8M316.0M331.8M
Accounts Payable24.8M62.4M37.2M51.0M58.6M32.2M
Cash391.2M864.3M2.4B257.4M269.5M256.0M
Other Assets2.4B2.9B3.1B4.5B80.6M76.6M
Long Term Debt88.2M82.2M57.2M257.7M546.6M573.9M
Net Receivables24.6M40.5M55.1M85.6M87.6M92.0M
Long Term Debt Total45.2M88.2M82.2M77.8M89.5M59.7M
Capital Surpluse213.5M216.5M218.9M383.0M440.4M220.5M
Other Current Assets34.8M49.2M83.9M343.0M119.6M113.6M
Total Liab3.1B4.0B6.6B5.7B6.4B3.8B
Total Current Assets650.8M1.2B3.0B788.8M20.8M19.8M
Earning Assets296.8M658.6M1.2B3.3B3.8B4.0B
Net Invested Capital510.7M402.4M614.2M833.6M1.2B682.6M

Metropolitan Bank Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision13.9M18.5M29.0M37.5M33.4M19.4M
Net Interest Income97.6M124.9M157.0M229.2M229.7M125.6M
Interest Income129.8M143.1M173.3M260.7M350.7M368.2M
Interest Expense32.2M18.2M16.3M31.6M152.6M160.2M
Total Revenue108.2M141.9M180.7M255.8M375.4M394.2M
Gross Profit108.2M141.9M180.7M255.8M375.4M394.2M
Operating Income44.1M57.9M89.6M128.5M106.9M65.4M
Ebit44.1M57.9M89.6M96.9M106.9M61.5M
Ebitda45.7M60.5M92.0M99.4M106.9M63.1M
Income Before Tax44.1M57.9M89.6M96.9M106.9M57.5M
Net Income30.1M39.5M60.6M59.4M77.3M81.1M
Income Tax Expense13.9M18.5M29.0M37.5M29.7M19.1M

Metropolitan Bank Key Cash Accounts

201920202021202220232024 (projected)
Investments(956.2M)(500.4M)(1.3B)(1.2B)(738.5M)(775.4M)
Change In Cash158.3M475.1M1.5B(2.1B)12.0M20.1M
Net Borrowings2.0M(150.0M)(4.5M)200.6M230.6M242.2M
Free Cash Flow34.1M83.4M33.3M66.6M36.7M39.8M
Depreciation1.6M2.5M5.1M4.3M2.9M2.5M
Other Non Cash Items7.5M8.7M5.6M15.7M16.8M9.3M
Capital Expenditures6.8M3.9M4.0M19.2M5.7M5.7M
Net Income30.1M39.5M60.6M59.4M76.9M80.7M
End Period Cash Flow391.2M864.3M2.4B257.4M269.5M256.0M
Change To Netincome7.2M13.3M8.5M14.2M16.3M9.3M
Change Receivables1.4M(5.4M)(4.4M)(1.9M)(2.2M)(2.3M)

Metropolitan Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Metropolitan Bank's current stock value. Our valuation model uses many indicators to compare Metropolitan Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Metropolitan Bank competition to find correlations between indicators driving Metropolitan Bank's intrinsic value. More Info.
Metropolitan Bank Holding is regarded fourth in return on equity category among its peers. It also is regarded fourth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Metropolitan Bank Holding is roughly  10.42 . At present, Metropolitan Bank's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Metropolitan Bank's earnings, one of the primary drivers of an investment's value.

Metropolitan Bank Holding Systematic Risk

Metropolitan Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Metropolitan Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Metropolitan Bank Holding correlated with the market. If Beta is less than 0 Metropolitan Bank generally moves in the opposite direction as compared to the market. If Metropolitan Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Metropolitan Bank Holding is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Metropolitan Bank is generally in the same direction as the market. If Beta > 1 Metropolitan Bank moves generally in the same direction as, but more than the movement of the benchmark.

Metropolitan Bank Thematic Clasifications

Metropolitan Bank Holding is part of ESG Investing investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Companies that promote environmental, social, and governance factors during their day-to-day operations. Sustainable investments that promote the conservation of the natural world, social resposibility, freindly employees policies and strong governance
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Today, most investors in Metropolitan Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Metropolitan Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Metropolitan Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.27

At present, Metropolitan Bank's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Metropolitan Bank November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Metropolitan Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Metropolitan Bank Holding. We use our internally-developed statistical techniques to arrive at the intrinsic value of Metropolitan Bank Holding based on widely used predictive technical indicators. In general, we focus on analyzing Metropolitan Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Metropolitan Bank's daily price indicators and compare them against related drivers.

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When running Metropolitan Bank's price analysis, check to measure Metropolitan Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Metropolitan Bank is operating at the current time. Most of Metropolitan Bank's value examination focuses on studying past and present price action to predict the probability of Metropolitan Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Metropolitan Bank's price. Additionally, you may evaluate how the addition of Metropolitan Bank to your portfolios can decrease your overall portfolio volatility.
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