Metropolitan Bank Holding Stock Z Score

MCB Stock

USD 65.46 0.71 1.10%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Metropolitan Bank Piotroski F Score and Metropolitan Bank Valuation analysis.

At present, Metropolitan Bank's Net Invested Capital is projected to increase significantly based on the last few years of reporting. The current year's Return On Capital Employed is expected to grow to 0.13, whereas Capital Surpluse is forecasted to decline to about 220.5 M. At present, Metropolitan Bank's Net Interest Income is projected to increase significantly based on the last few years of reporting. The current year's Interest Income is expected to grow to about 423.5 M, whereas Tax Provision is forecasted to decline to about 19.4 M.

Metropolitan Bank Holding Company Z Score Analysis

Metropolitan Bank's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Metropolitan Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Metropolitan Bank is extremely important. It helps to project a fair market value of Metropolitan Stock properly, considering its historical fundamentals such as Z Score. Since Metropolitan Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Metropolitan Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Metropolitan Bank's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Good Will	Short Term Investments	Long Term Debt Total	Capital Surpluse	Total Liab	Long Term Investments	Short Long Term Debt	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Property Plant Equipment	Earning Assets	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.99	0.92	-0.29	0.87	0.9	0.71	0.88	-0.32	0.93	0.89	0.97	1.0	0.57	-0.77	0.5	0.58	-0.32	0.93	0.97	0.92	0.79	0.91	0.5
Total Stockholder Equity	0.99		0.93	-0.18	0.88	0.9	0.75	0.9	-0.34	0.9	0.89	0.99	0.98	0.52	-0.82	0.4	0.63	-0.34	0.96	0.96	0.9	0.82	0.91	0.53
Net Tangible Assets	0.92	0.93		-0.15	0.96	0.84	0.84	0.98	-0.6	0.96	0.84	0.91	0.92	0.51	-0.85	0.37	0.73	-0.6	0.93	0.89	0.97	0.91	0.89	0.59
Net Debt	-0.29	-0.18	-0.15		0.05	-0.21	0.33	0.02	-0.26	-0.27	-0.3	-0.27	-0.3	-0.34	0.19	-0.95	0.49	-0.26	-0.24	-0.3	-0.15	0.2	-0.05	0.27
Retained Earnings	0.87	0.88	0.96	0.05		0.79	0.95	0.99	-0.7	0.93	0.74	0.82	0.87	0.47	-0.74	0.18	0.87	-0.7	0.82	0.82	0.97	0.98	0.92	0.69
Accounts Payable	0.9	0.9	0.84	-0.21	0.79		0.64	0.82	-0.28	0.8	0.91	0.88	0.9	0.82	-0.82	0.4	0.48	-0.28	0.89	0.94	0.78	0.68	0.72	0.43
Long Term Debt	0.71	0.75	0.84	0.33	0.95	0.64		0.92	-0.77	0.78	0.58	0.66	0.71	0.32	-0.62	-0.13	0.98	-0.77	0.68	0.64	0.85	0.98	0.84	0.77
Net Receivables	0.88	0.9	0.98	0.02	0.99	0.82	0.92		-0.66	0.93	0.77	0.85	0.88	0.49	-0.79	0.21	0.82	-0.66	0.86	0.84	0.97	0.95	0.91	0.65
Good Will	-0.32	-0.34	-0.6	-0.26	-0.7	-0.28	-0.77	-0.66		-0.56	-0.26	-0.26	-0.32	-0.15	0.43	0.16	-0.78	1.0	-0.34	-0.26	-0.6	-0.76	-0.53	-0.8
Short Term Investments	0.93	0.9	0.96	-0.27	0.93	0.8	0.78	0.93	-0.56		0.82	0.86	0.93	0.53	-0.72	0.51	0.66	-0.56	0.84	0.89	0.98	0.86	0.9	0.55
Long Term Debt Total	0.89	0.89	0.84	-0.3	0.74	0.91	0.58	0.77	-0.26	0.82		0.89	0.89	0.66	-0.87	0.51	0.43	-0.26	0.92	0.96	0.75	0.65	0.67	0.38
Capital Surpluse	0.97	0.99	0.91	-0.27	0.82	0.88	0.66	0.85	-0.26	0.86	0.89		0.96	0.48	-0.85	0.46	0.53	-0.26	0.98	0.95	0.86	0.74	0.86	0.45
Total Liab	1.0	0.98	0.92	-0.3	0.87	0.9	0.71	0.88	-0.32	0.93	0.89	0.96		0.58	-0.77	0.51	0.57	-0.32	0.93	0.98	0.92	0.78	0.9	0.5
Long Term Investments	0.57	0.52	0.51	-0.34	0.47	0.82	0.32	0.49	-0.15	0.53	0.66	0.48	0.58		-0.51	0.45	0.13	-0.15	0.51	0.66	0.47	0.33	0.33	0.19
Short Long Term Debt	-0.77	-0.82	-0.85	0.19	-0.74	-0.82	-0.62	-0.79	0.43	-0.72	-0.87	-0.85	-0.77	-0.51		-0.34	-0.49	0.43	-0.94	-0.8	-0.71	-0.68	-0.62	-0.45
Total Current Assets	0.5	0.4	0.37	-0.95	0.18	0.4	-0.13	0.21	0.16	0.51	0.51	0.46	0.51	0.45	-0.34		-0.3	0.16	0.42	0.53	0.38	0.01	0.26	-0.16
Short Term Debt	0.58	0.63	0.73	0.49	0.87	0.48	0.98	0.82	-0.78	0.66	0.43	0.53	0.57	0.13	-0.49	-0.3		-0.78	0.55	0.49	0.75	0.94	0.77	0.77
Intangible Assets	-0.32	-0.34	-0.6	-0.26	-0.7	-0.28	-0.77	-0.66	1.0	-0.56	-0.26	-0.26	-0.32	-0.15	0.43	0.16	-0.78		-0.34	-0.26	-0.6	-0.76	-0.53	-0.8
Common Stock	0.93	0.96	0.93	-0.24	0.82	0.89	0.68	0.86	-0.34	0.84	0.92	0.98	0.93	0.51	-0.94	0.42	0.55	-0.34		0.92	0.84	0.75	0.8	0.47
Property Plant Equipment	0.97	0.96	0.89	-0.3	0.82	0.94	0.64	0.84	-0.26	0.89	0.96	0.95	0.98	0.66	-0.8	0.53	0.49	-0.26	0.92		0.85	0.72	0.81	0.44
Earning Assets	0.92	0.9	0.97	-0.15	0.97	0.78	0.85	0.97	-0.6	0.98	0.75	0.86	0.92	0.47	-0.71	0.38	0.75	-0.6	0.84	0.85		0.91	0.94	0.6
Net Invested Capital	0.79	0.82	0.91	0.2	0.98	0.68	0.98	0.95	-0.76	0.86	0.65	0.74	0.78	0.33	-0.68	0.01	0.94	-0.76	0.75	0.72	0.91		0.89	0.75
Capital Stock	0.91	0.91	0.89	-0.05	0.92	0.72	0.84	0.91	-0.53	0.9	0.67	0.86	0.9	0.33	-0.62	0.26	0.77	-0.53	0.8	0.81	0.94	0.89		0.71
Current Deferred Revenue	0.5	0.53	0.59	0.27	0.69	0.43	0.77	0.65	-0.8	0.55	0.38	0.45	0.5	0.19	-0.45	-0.16	0.77	-0.8	0.47	0.44	0.6	0.75	0.71

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To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Metropolitan Bank

Based on the company's disclosures, Metropolitan Bank Holding has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Metropolitan Bank Current Valuation Drivers

We derive many important indicators used in calculating different scores of Metropolitan Bank from analyzing Metropolitan Bank's financial statements. These drivers represent accounts that assess Metropolitan Bank's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Metropolitan Bank's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	394.2M	298.2M	641.2M	612.5M	551.3M	317.1M
Enterprise Value	214.6M	(504.5M)	641.5M	956.7M	861.0M	904.1M

Metropolitan Bank ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Metropolitan Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Metropolitan Bank's managers, analysts, and investors.

Environmental

Governance

Social

Metropolitan Bank Institutional Holders

Institutional Holdings refers to the ownership stake in Metropolitan Bank that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Metropolitan Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Metropolitan Bank's value.

		Shares
Pacific Ridge Capital Partners, Llc	2024-09-30	210.1 K
Nuveen Asset Management, Llc	2024-09-30	184.6 K
Morgan Stanley - Brokerage Accounts	2024-09-30	161.1 K
Ameriprise Financial Inc	2024-09-30	144.2 K
State Of Wisconsin Investment Board	2024-09-30	137.5 K
Ranger Investment Management Lp	2024-09-30	129.2 K
Acadian Asset Management Llc	2024-09-30	118 K
D. E. Shaw & Co Lp	2024-09-30	111 K
Northern Trust Corp	2024-09-30	105.3 K
Blackrock Inc	2024-09-30	964.9 K
Fmr Inc	2024-09-30	911.4 K

Metropolitan Fundamentals

	Return On Equity	0.0886
	Return On Asset	0.0085
	Profit Margin	0.23 %
	Operating Margin	0.30 %
	Current Valuation	646.01 M
	Shares Outstanding	11.2 M
	Shares Owned By Insiders	5.73 %
	Shares Owned By Institutions	83.28 %
	Number Of Shares Shorted	466.83 K
	Price To Earning	8.75 X
	Price To Book	1.00 X
	Price To Sales	2.84 X
	Revenue	375.4 M
	Gross Profit	258.17 M
	EBITDA	106.92 M
	Net Income	77.27 M
	Cash And Equivalents	709.28 M
	Cash Per Share	64.88 X
	Total Debt	613.63 M
	Debt To Equity	1.69 %
	Current Ratio	1.09 X
	Book Value Per Share	63.89 X
	Cash Flow From Operations	42.43 M
	Short Ratio	6.59 X
	Earnings Per Share	5.93 X
	Target Price	82.17
	Number Of Employees	275
	Beta	1.13
	Market Capitalization	732.99 M
	Total Asset	7.07 B
	Retained Earnings	315.98 M
	Working Capital	20.4 M
	Current Asset	240 M
	Current Liabilities	219.6 M
	Net Asset	7.07 B

About Metropolitan Bank Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Metropolitan Bank Holding's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Metropolitan Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Metropolitan Bank Holding based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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V	Visa Class A
GM	General Motors
C	Citigroup

When determining whether Metropolitan Bank Holding offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Metropolitan Bank's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Metropolitan Bank Holding Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Metropolitan Bank Holding Stock:

How To Invest In Metropolitan

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Is Metropolitan Stock a good investment?

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What is Metropolitan Bank's Net Worth?

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Largest Banks - Regional Companies

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Check out Metropolitan Bank Piotroski F Score and Metropolitan Bank Valuation analysis.

You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Metropolitan Bank. If investors know Metropolitan will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Metropolitan Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.45)

Earnings Share

5.93

Revenue Per Share

23.164

Quarterly Revenue Growth

0.161

Return On Assets

0.0085

The market value of Metropolitan Bank Holding is measured differently than its book value, which is the value of Metropolitan that is recorded on the company's balance sheet. Investors also form their own opinion of Metropolitan Bank's value that differs from its market value or its book value, called intrinsic value, which is Metropolitan Bank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Metropolitan Bank's market value can be influenced by many factors that don't directly affect Metropolitan Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Metropolitan Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Metropolitan Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Metropolitan Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Metropolitan Bank Holding Stock Z Score

Metropolitan Bank Holding Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Metropolitan Z Score Driver Correlations

Metropolitan Bank Current Valuation Drivers

Metropolitan Bank ESG Sustainability

Metropolitan Bank Institutional Holders

Metropolitan Fundamentals

About Metropolitan Bank Fundamental Analysis

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